BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one Experian but XXXX and XXXX  have done nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated My Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a toll violation from NY XXXX, although I am an NJ XXXX holder. I sent the state of New York a check for the amount of the toll. They continue to demand I pay {$100.00} on top of the money I paid them via check for the toll I used that must have no registered in their state. Being that it is a pandemic AND I did pay for the toll that they did not allegedly receive, I do not feel it is appropriate to fine me {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i had a join account with my husband, we have about worth {$1000.00} points. The bank transfer my rewards points to other people by mistake, and i tried to ask them to fix it for me, but they never do it for me, never response back to me. 
this is the relate credit cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper mistakenly issued multiple withdrawals to my account, causing my account to have negative funds, endangering my other payments, and jeopardizing my credit history. They corrected the issue and advised me to continue monitoring my account for any additional errors from them. It is unfair for me to allocate time and resources to verify their mistakes were corrected or to make sure no more have appeared. I am not confident this will not happen again. They lack transparency and are just incredibly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: DriveTime
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The loan was repossessed due to me not being able to title and tag because my last county claimed unpaid personal property for a vehicle owned and purchased when I no longer lived their. I called and asked if they could extend the temporary tags and they said no instead of directing me to DMV who could have granted and extension. They also did not notify me of repossession, notify me of public or private sale, notify me of the sale price and remaining balance on loan, notify me of where car was located for personal possessions. I submitted a request to remove the account from my reports due to the Commonwealth of VA code not being followed via fax on XXXX XXXX. XX/XX/XXXX I received three alerts from three different monitoring companies, XXXX XXXX, XXXX XXXX, and XXXX XXXX that they had updated the account to Closed. This re-aged the account. The account had already been closed on XX/XX/XXXX. I called them on XX/XX/XXXX and they proceeded to tell me falsehoods once a manager got on the phone saying I ignored their calls. I asked for a transcript of the call and they said their was not one ; I said their was as it stated at the beginning of the call it was recorded and this was an attempt to collect a debt. She said no ma'am it is recorded for customer service and to get a subpoena. I said I would follow another complaint with CFBP and from their the attorney general. They have also changed outstanding balance since the re-age.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Nelnet, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and XXXX, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATION/NELNET that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted an online ( website based ) MyFedLoan e-mail request on XX/XX/2020 asking that all documents related to my loans be sent to me both electronically and by mail ( if there was a fee required I noted I'd pay it if I was directed how to do so ). I requested all documents, but specifically requested : 1. All previous letters sent to me including re-certification letters stating my repayment amounts for the year on income based 2. List of each confirmed qualifying payment ( including 0 dollar payments ) to public service loan forgiveness I have only received an automated response and it has been nearly 3 months. The automated response is attached to the complaint. I have not received any mail with the documents. I have not received an e-mail with the documents. I also have not received any e-mail directing me to their website for any messages related to this request or to the documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I RECEIVED A TEXT MESSAGE FROM DIRECT EXPRESS AT PHONE # XXXX STATING THAT MY PIN NUMBER HAD BEEN CHANGED. 

FIRST OF ALL I NEVER RECEIVED A CARD FROM THEM. I AM WAITING ON A STIMULUS PAYMENT JUST LIKE EVERYONE ELSE. I HAVE HAD CHECKS STOLEN FROM ME IN THE PAST OUT OF THE MAIL AND I AM CONCERNED THAT THIS IS AN INDICATION A DEBIT CARD HAS BEEN STOLEN. 

I TRIED TO CONTACT DIRECT EXPRESS REPEATEDLY OVER THE PHONE TO NO AVAIL. I AM HOMELESS AND NEED MY STIMULUS MONEY. MY STIMULUS MONEY SHOULD NOT GO TO ANYONE ELSE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT SAYS CHARGE OFF THAT IS IN ACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
on XX/XX/2021 ( one ) purchased was made at XXXX XXXX XXXX # XXXX XXXX, Texas for {$56.00}, the CASH app card has two transactions for the same amount posted to account, ( 2nd ) was never made. XXXX XXXX is claiming only ( one ) payment/transaction. 

CASH app will not respond to email, no contact information available for a live person. 

My money was taken from card, and no refund has been issued back to card. 

XXXX XXXX XXXX and CASH app are the parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see all attached documents and contact me directly for more details. Additionally, you can refer to all previous unsolved complaints submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a notification from XXXX XXXX about an account being delinquent. The account was noted as opened XX/XX/2020 with a balance of {$99.00}. I am not familiar with this account. The account was listed as a Barclays Delaware account. I tried contacting them at XXXX and was on hold for an hour and 42 minutes before the call terminated. I also visited their " Contact Us '' page and followed the suggestion to message their XXXX  account XXXX XXXX and also did not receive a response. I am unable to resolve this with the company and that is why I am filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been a member with Experian Credit Reporting for over 3 years. and I have been trying to dispute information on my credit for quite some time now over some addresses that are not mine and just recently a derogatory remark that is definitely not mine. But when I call I can never speak with an agent to get help and the automated service over the phone says to dispute it online, however when I try that method the site just always states the same thing, that it is having technical difficulties to please try calling XXXX But as I stated above you can't get any help over the phone. I am going in circles trying to fix a problem that is very imperative to my credit. Please help.Thanl you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report on both the XXXX XXXX XXXX XXXX XXXX, it is being reported that I have 2 accounts open with BJs club, one for the amount of {$7700.00} and another for the amount of {$7500.00}. This information is incorrect as I only have one account open with BJs with a current statement balance of {$7400.00} as of XX/XX/26 but its being reported as 2 total accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, Transunion and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my Equifax credit bureau report, there is a " hard '' inquiry listed by XXXX/XXXX  that is outdated. 

I have contacted both Equifax and XXXX in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit acceptance reported 24 consecutive 120 day late payments. They have destroyed my credit by all the late payments even though the contract is over. I have sent dispute letters without ever getting a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collection accounts on my credit report that are being reported without my consent. 

XXXX XXXX XXXX account numberXXXX Date opened XX/XX/XXXX LVNV FUNDING LLC account XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpine and the original debtor have been told repeatedly that this debt is NOT mine. It has been removed from other reports except XXXX. I demand Immediate removal or litigation will follow.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been tryng to submit my Mortgage Assistance Packet to Freedom 3 times now. Each time submitted, I am sending via email and to two ( 2 ) fax numbers, all of which have been opened, per my read receipts. 

I have heard nothing from them, just form letters with contact information and XXXX requests for documents I have already submitted. Nothing - other than this. 

Currently, I am in the hole with payments, and can blame really no one else but myself, as the don't care about my current situation. Per my previous complaint, I have stated that I can not afford the new monthly payment due to tax reassessment. However, no communication, nothing to show that they give a hoot. 
I am sending this complaint for several reasons : 1. To force someone to contact me via email, rather than postal mail, per my request in every note, email and fax I have sent them. Postal mail takes to long, and can be used to XXXX me out of deadlines. 
2. To create a paper trail, which is admissible in any court, showing that I am trying to get help to no avail from Freedom. 
3. I feel taken advantage of, as I am on a fixed income and can not make additional higher contributions to payment, at this time. 

Continued ignoring and lack of communication is a well known tactic, one that often results in a foreclosure. I will not have it, and that is why I am pushing the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a cease and desist against portfolio recovery associates for defaming my character on my consumer report. Cease and desist communication means communication across all mediums. My consumer report is a medium and your company communicating information about my debt is a violation of a cease and desist order. Also, your company claims I am a customer of yours. Please provide a copy of a certified letter that proves I received communication from your company within 5 days of your company reporting anything without my written consent or permission. Your purchasing of an account does not make me a customer of yours. That is a lie and a direct violation of my right to privacy. Failure to cease communication will result in legal action being taken.

Company response to consumer: Closed with explanation