BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I work for the government and was part of the computer hacking that happened there. I was notified by office of personal management that all my info including fingerprints were hacked. I do not look at my bank accounts often and it only came to my attention when my debit card was declined.Then I realized several payday loans were opened under my name and my bank accounts were emptied I filed fraudulent charges with   XXXX   XXXX   XXXX   approx. 20 times and my debit card was canceled and reissued 4 times including canceled once by the bank when a person claiming to be me called for information. I have done everything that the government instructed me to do including submitting a fraud report to the FTC and the IRS. I also mailed letters to all payday loans that were taken out in my name. Prior to this I had a  XXXX  credit rating this brought it down to about  XXXX  and it is slowly going back ( now  XXXX  ) I do not owe this money and do not feel I should pay this. If my credit report is looked at I have an excellent history of repayment. Only blemishes are during this short period when my info was stolen. I currently have a protection service monitoring my information and have a fraud alert placed on my bank accounts. Someone attempted to file my income taxes electronically. Even my paypal account was hacked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2019-12-15
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My trouble arise with regards to retiring the PMI and NewRez Mortgage playing with definitions. I purchased my property over six years ago. The mortgage has been bought and sold about three times. NewRez is not the original mortgage company. Per definition, I am eligible to have PMI removed when I achieve a 20 % equity. Or when there is 80 % or less. I applied in XX/XX/2019 to have the PMI removed, I was declined. I appealed and submitted the closing statement with the amount borrowed from the original mortgage company. I paid XXXX for the house and borrowed XXXX. Thus, I had 10 % equity. The current principle balance is XXXX. So when I calculate the following equation, XXXX/XXXX. I show I have a loan to value= .7927 or 79.27 %. When the principle balance reaches at {$180000.00}, I calculate that is the 78 % where PMI should be taken off automatically. They told me I would need to wait an additional 9 months. I am being forced to get an Broker Price Opinion. 

They claim that that the original sales price the house was listed at {$260000.00} and compared to the price I paid, {$230000.00}. Per your website, that is not how the calculation should be. They are saying they can use another method based upon their own requirements, which is having a 25-40 % equity before PMI can be cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU

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 2019-12-15
Company: EQUIFAX, INC.
State: TX
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:
Dear Credit Bureau : XXXX  I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX  XXXX  XXXX  / Original creditor : XXXX Opened XX/XX/2019 Balance : {$1700.00} XXXX  - XXXX  XXXX Last reported XX/XX/2019 Reported balance : {$35000.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$3100.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX  ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reportings to XXXX   about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX SC XXXX lawsuit ; Pollack & Rosen , P.A . brought this old credit card from XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. ; They are a debt collections agency that buys old charge-off debt from major companies then sues the debtor by pretending to be the original creditor. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AES/PHEAA
State: CA
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 phoned FedLoan Servicing XX/XX/22 about my loan forgiveness application and the calculations received. I waited on hold for 40 minutes. I finally decided to request the call back and by the time I received the call back hours later in the day, I was unable to take the call. 

I phoned again on XX/XX/22 and waited on hold for 50 minutes, despite the recording saying it was a 15-20 minute wait. I hung up and called again to request a call back. This call was placed at XXXX. I received a call back at XXXX only for the agent to ask what my call was about - EVEN THOUGH I INDICTED THIS IN THE REQEST VIA THE AUTOSYSTEM and she proceeds to PUT ME ON HOLD AGAIN for what is has now been 19 minutes as I'm typing this and counting.

This is UNACCEPTABLE and infuriating. What working adult has time for this. This is a way to skirt responsibility and answering questions and I am beyond frustrated. They MUST BE HELD accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.

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 2022-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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:
Information on my report from banks are inaccurate and need to be removed

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 2017-04-17
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rent Recover of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX ) XXXX We lived in XXXX at XXXX XXXX and the lease was up in XXXX XXXX. Now this is on collection has to be removed. On XXXX/XXXX/XXXX was certified check of {$1200.00} On XXXX/XXXX/XXXX another certified check of {$1600.00} On XXXX/XXXX/XXXX another certified check of {$1000.00} On XXXX/XXXX/XXXX another check of {$110.00} Total amount was given of {$4000.00} case was dropped in court. We moved in the beginning of XXXX XXXX there charging us XXXX XXXX XXXX and XXXX which we no longer lived in the apartment complex when I tried talking to management I was treated very rude and disrespectful.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Credit Bureau : Experian I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This  incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX XXXX XXXX Date opened : XX/XX/2018 Account number : XXXX Balance : {$23000.00} XXXX   XXXX XXXX  XXXX  Date opened : XX/XX/2018 Account number : XXXX Balance Loan Amount : {$14000.00} XXXX XXXX  Date opened : XX/XX/2018 Account number : XXXX Date opened : XX/XX/2018

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 2022-01-04
Company: Scratch Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Back on XX/XX/2021 I received an email from Scratch loan servicing stating that my XXXX loan had been forgiven & is paid in full! I was excited & grateful for this. About a month or so later, I never saw this positive debt reflected on my commercial/business credit report. I found information on Scratch 's website stating that they do report to these bureaus, like XXXX XXXX XXXX. I have repeatedly called & emailed Scratch for about 2 months, receiving 1 reply that they will contact me back. To this date, I have not heard back from them. I then reached out to the lender directly, XXXX XXXX XXXX. They said they would contact Scratch on my behalf and that has had no results. I am requesting that Scratch honor their reporting guidelines as stated on their website, and I believe is a guideline/rule with the XXXX as well.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2019-12-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX XXXX and other report providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX app and other report providers.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2022 on the corner of XXXX XXXX and XXXX in XXXX, New York, I was approached by a male, XXXX XXXX, over XXXX, mid to late XXXX. He asked me if I knew anything about overdraft fees from the bank. He claimed to have a balance of - {$300.00} in his bank account and he had a check for {$800.00} that he wished to deposit but didn't want the bank to deduct {$300.00}. So he asked me to deposit the check for him and give him the cash. I obliged and deposited the check in an ATM. Immediately I had a balance of {$500.00}, I took it out in cash and gave it to him. The next morning the remaining money cleared and I sent it to him via XXXX. It wasn't until XX/XX/XXXX that {$800.00} was deducted from my account and I realized the check was a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent Outsourcing reporting on my credit report from an old  XXXX  cell phone bill. This collection was previously deleted from my credit report due to debt that could not be validated and disputed charges and fees.  XXXX  has put this previously deleted debt back on my credit report. I do not owe this balance. This is unfair reporting and requesting this collection to be deleted immediately.

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 2017-04-19
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I HAVE BEEN RECEIVING CALLS FOR THE LAST  3-4  YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XX/XX/2021 today at purchased the vehicle of {$8000.00} down payment the car was famous did XXXX something dollars Extra fees get an idea where my car payments are going up and the loan is going up Ive had problems with the car since day one I went threw a new transmission and engine already its been 4 months since I had the car I reach out to the dealership and bank no help from either side I feel like I was beat out of {$8000.00} now they wont let me trade it in they say I need another down payment and credit ran again now Im stuck with a broke car and still responsible for the car note

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