BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-06-20
Company: MoneyLion Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
This MoneyLion Plus loan for {$500.00} fell behind after job loss. This company used the MoneyLion Plus app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, MoneyLion reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, MoneyLion was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, MoneyLion 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: ACIMA CREDIT, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed dispute with XXXX  and had no success I contacted the collector! ACIMA LLC and requested a proof of ownership with a original contract and they failed to mail me any original documents with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called me once a week for the past year despite the fact I'm currently not in debt nor have I ever been i debt for a significant period of time. I've told them to stop calling me, as I am rather young and haven't even alive long enough to accrue debt that would require collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Santander Consumer USA Holdings Inc.
State: NH
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:
Santander claims that there were late payments for 3 months. No payments were ever made late. Santander corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and Santander with no change. Santander has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home and the new servicer ( Amerihome ) has failed to pay insurance via escrow as it is supposed to. I'm going to be dealing with a cancellation in a few days if they don't take care of the problem, but their customer service is functionally unreachable ( it disconnects me after I called and spent half an hour on hold ). 

I don't believe I have any right to change servicers, but these guys are wildly incompetent/failing to provide essential customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian keeps old accounts listed on credit reports as if those accounts are still active. Experian is also lowering scores in order to promote Experian boost. The are constantly trying to sell goods and services pertaining to improving individuals credit which is unethical when it's Experian that interprets individuals information and dictates the score.

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 2022-09-02
Company: EdFinancial Services
State: MA
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:
On Friday, XXXX XXXX, I called my servicer, EdFinancial and requested a refund for payments made since XX/XX/2020 ( during the COVID-19 pandemic pause ) as Federal Student Aid resources including EdFinancials site said I was entitled to since I paid during the pandemic. The refund was in the amount of {$4000.00} ( which would bring my loan balance back up to $ XXXX. ) XXXX this refund request process has been an option for years, I was told that the refund, however, would take more than 6 months to be sent to me. After hearing that other XXXX borrowers called but found out the requests werent filed properly, I tried contacting them by phone and email the following Wednesday and have not heard back and had issues getting through on the phone lines. When I tweeted them, the reps on XXXX claimed they had no details on the loan discharge program which wasnt what I was asking about and clearly a scripted answer. When looking at tweets from them and information on their sites/public information, there isnt a clear explanation of why theyre taking so long to deliver back my money when other servicers are easily doing it for other federal borrowers in a matter of months. 

When I look at my account and in my email inbox, theres zero record of the request or confirmation of it and my balance is still showing what it was before I called to ask for the refund. However, Ive heard many others with XXXX who were also told the payment would take 6+ months have started to see the refunded balance on their accounts and gotten proof of refund processing. I have also heard that servicers are processing these in a much shorter time, so XXXX handling of this and refusal to add this transparent information/confirmations to my account and the accounts of other borrowers is very suspicious, even during the high service volume times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notified Diversified Consultants on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice from XXXX  XX/XX/XXXX that a collection was added to my account. I never received a validation of this debt and I do not believe it belongs on my credit 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 2020-03-25
Company: Experian Information Solutions Inc.
State: PA
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 having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But Experian only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) 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 2016-05-17
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.

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 2022-04-10
Company: EQUIFAX, INC.
State: PA
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:
I have 1 XXXX  credit card with a balance of XXXX dollars. My credit report shows that I have a balance of XXXX dollars. I also have a debit card from XXXX and XXXX but they are fine ( 0 balance ). I need to know what these other cards are, and who put balances on them. I know for a fact that my passwords were leaked on the darknet. I dont know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX the President waived all interest on student loans. I made a payment to my student loan held by Navient on XX/XX/XXXX to my consolidated loan. Navient collected the interest on the loans first, then applied the the remaining payment to the principal amount. 

It seems they are functioning as normal and not following the President of the United States orders. I emailed a complaint to their website and told them i would be contacting the CFPB. Please keep me in the loop with how this complaint will be processed. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. 

This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. 

I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. 

I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. 

What do I do next?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted XXXX and I heard nothing back about my banking error complaint I experienced with BB & T in XXXX FL. 
Located at XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a new BB & t customer down in XXXX FL. I made 3 purchases with my new temporary debit card and two with the previous temporary debit card. Every time I make 2-3 purchases on a temporary card, BB & T SHUTS my card off FOR NO REASON. I have been stranded unable to XXXX and put in situations where they would be liable due to poor mismanagement of my account card that I only used for 2 XXXX  and a purchase at the dollar store. There was no reason for them to abruptly shut off my card. These types of banks create reasons for hateful activities once consumers bring up a complaint. I had to go in person and beg for them to unlock the door and let me in to fix what they did to my card 2 times. They did this cause of the current procedures. I stood in the drive through line and they made me beg them to fix my card then did it to me 2 times. Please assist me now this is not safe to be running back to their bank.

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 2022-09-02
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-03-25
Company: EQUIFAX, INC.
State: NJ
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:
I recently filed to refinance my vehicle, I regularly check my XXXX XXXX   and XXXX on their website. My application was denied by XXXX XXXX due to the inaccurate information reported by Equifax not updating their information with my current credit score of XXXX instead of XXXX! Ive been working hard to get back to the upper XXXX, my XXXX shows XXXX XXXX  XXXX and Equifax XXXX! Equifax has been stopping me from moving into apartments that want to see a higher credit score and disrupting me from refinancing my vehicle so I can continue growing my credit report!

Company response to consumer: Closed with explanation