BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, 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 2022-07-24
Company: AES/PHEAA
State: OH
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:
I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2020, I have received a prepaid debit card called the " XXXX Way2Go Prepaid Debit Card '' from the State of Florida due to applying for Reemployment Assistance funding. I did not like the nature of the prepaid debit card, so in the UI portal, I changed the direct deposit funding source from the prepaid card, to my credit union checking account. However, this merely redirected funding to the checking account. I have tried to close my prepaid debit card through calling the card provider using the phone number provided, but unintentionally incurred three balance inquiry charges between XX/XX/XXXX and XX/XX/2020 

I have tried to close my account through the online portal provided at " https : //www.goprogram.com '' only to not succeed. The phone number provided only provides me only automated service with no access to a customer service human representative. 

The entity at fault would be XXXX XX/XX/XXXX who is acting as the steward for the Way2Go card funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment oXXXX 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 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 2022-07-24
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During covid pandemic I renewed my lease following month I saw an increase in rent as well as month to month charge. They said they did not receive my signed lease renewal. I then submitted another. XXXX apartments continued to charge me higher rate and month to month charges. I was promised wood flooring replacement which fell through as covid precautions prevented the service. I attempted to replace the wood floors myself. In XXXX I put in my 60 day notice to leave. Three days prior to end of 60 days. Someone dropped off an eviction notice even though 60 days prior I had given notice. Soon later I see a collection for 4x the amount I owed. I believe this company committed fraud on 4 different incidents. Upping rent, refusing to acknowledge signed lease renewal twice, upping rent during the pandemic, and wrongfully serving an eviction notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On around XX/XX/XXXX. I applied with One Main Financial in XXXXXXXX XXXX. The loan representative was excellent in making me believe this loan was not as interest-bearing as the previous loan I had with XXXX XXXX. I was OH SO WRONG, and regret ever dealing with this company. I received a loan for {$3500.00} and here it is XX/XX/XXXX and I am being told the payoff for this loan is {$3100.00}. ARE YOU KIDDING ME? A COMPLETE RIP OFF. I have made biweekly payments for the last year and I still owe the same amount I received. One main was very misleading and it seems like I will never get this loan payed off..now my payments have changed to {$180.00} a month and I see no changes in the Principle balance. It should be illegal for companies such as One Main Financial to take advantage of customers when they are already struggling financially to have to take out these type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: NC
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:
There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: NC
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:
There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it 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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2015-04-09
Company: MST Financial Services, L.L.C.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To who

m It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable proc
edures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, 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 2015-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED

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 2015-08-17
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMG is cheating me out of the opportunity to remove PMI. I submitted my written request on XX/XX/2022. CMG requested 30 days to review. Fair enough... 

Their response didn't come until XX/XX/XXXX- a full 60 days later. At this point, they simply sent a canned denial letter with further instructions on how to remove PMI ( if you qualify ). I did full bathroom remodels, down to the studs. I am a candidate for an appraisal, based on their rules. I submitted this all in writing on XX/XX/XXXX. 

I called XX/XX/XXXX to check the status of my PMI removal claim. Nobody from the " Pmi department '' takes phone calls at CMG. I'm forced to wait on their proven late responses. 

This appears to be a stall tactic, as the market declines- all the while hurting my chances to remove PMI based on current XXXX ratios. 

All I'm asking for is what's fair - a market appraisal to see if I qualify to remove PMI. CMG is very difficult to work with, and I see many similar complains on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Wallace Management Company, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a loan from Empire Finance in XXXX, Oklahoma. During the collection process, a representative has called me from her personal cell. She has also called and left a voicemail on my work phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Crosstown Law, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: MD
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 reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.

Company response to consumer: Closed with explanation