BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Performance Settlement, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was contacted by a program called XXXX XXXX that supposedly helps reduce your student loan. I recently graduated and thought it would help. I was a victim of Hurricane Harvey and needed all the help I could get so I jumped on it. After agreeing to their services I later researched their company and found that they charge for a service that students can do on their own without assistance. I was rushed through the signing process and not given a good explanation of the program. They stated " If you don't act now you might not qualify later because the government is trying to do away with these program ''. Then she promised to lower my student loan to {$35.00} a month. I was blinded by the hope of reducing my student loans. 
When I called back to speak with the representative she didn't exist? This program scammed me into depositing XXXX and was planning on taking over {$1000.00} for a service that any one can do without assistance. I finally spoke to someone and he denied to help stating its my fault for signing a contract and that he could not honor my request to stop the service. 
This company scams you by luring students that just graduated promising to help them with a ridiculous number. I fell for it because I didn't research it first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I dispute all of the following debt In accordance with the fair Credit Reporting act XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX was added with no account number I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-08-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently changed homeowners insurance policy in XXXX XXXX XXXX  for the first time since inception of mortgage ; the cost of premium decreased from around $ XXXX annually to around $ XXXX annually ; however the escrow amount increased by the amount of the savings. My payments were around $ XXXX before the change of insurance to know over $ XXXX, payment should be around $ XXXX after insurance change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: AR Resources, Inc.
State: VA
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:
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: ME
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:
Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon Experian 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' XXXX did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with Experian and XXXX, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and XXXX  reported. Since XXXX and Experian have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against Experian and XXXX and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this 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 2022-08-04
Company: Experian Information Solutions 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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/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 2018-12-01
Company: Experian Information Solutions Inc.
State: VA
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:
Unknown company checking credit known as XXXX , XXXX. 

On XX/XX/XXXX, I received a XXXX XXXX  letter which provided notification of application denial of credit which was conducted by XXXX XXXX XXXX XXXX dealership in XXXX Tennessee. In addition, XXXX XXXX  representative advised that XXXX is scheduled to Experian. The letter specified that they have four credit bureaus which they derived information to XXXX XXXX. These are the following credit bureaus which they have either received information from or request credit information from XXXX , XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. In early XX/XX/2018, upon telephone contact XXXX XXXX denied any knowledge of XXXX , XXXX and referred all questions to XXXX XXXX dealership. In early XX/XX/2018 upon initial telephone contact, the representative XXXX customer service advised that XXXX was not used and they have no knowledge of the company known as sagestream. However, they confirmed this information was listed on there denial letter.

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 2022-06-13
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two weeks ago, my card was lost and I incurred a lot of charges that werent mine and I didnt know until I got an insufficient balance email from the bank, tried to fix it and nothing got resolved

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 2020-05-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX   did, and this in addition to several other inquiries started after the Equifax data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Consumer Financial Services
State: MA
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:
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is still reporting to XXXX as is this loan is open. The balance increased. This account is closed and paid in full. I continue to have issue with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have information regarding any debt. They do not leave any messages regarding the said debt owed. I receive phone calls from them at least twice a day. The phone calls come from various phone numbers. All attempts I have made to block them are thwarted by them calling from another phone number. It's beginning to get obnoxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i am aware that Ocwen Loan Servicing, llc has violated the CFPA, FDCPA and RESPA. I am also aware that CFPD has filed a enforcement action against Ocwen in XX/XX/. My XXXX account is XXXX. Ocwen continue to make my payments late by posting them days late. They have done this continually for years. They got XXXX payment on XXXX this year, but sent me a letter dated XX/XX/ saying they had not received it yet. They did the same thing in XXXX this year. Sent me a letter XXXX XXXX saying they had not got a payment, but again they gotten it before XXXX. 
They also claim that I now owe over {$6000.00} in late fees. I am requesting a breakdown of all late fees.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon XXXX 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' TransUnion did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with XXXX and TransUnion, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and SLANDEROUSLY reported. Since TransUnion and XXXX have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against XXXX and TransUnion and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this 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 non-monetary relief
Consumer complaint received 2021-10-03
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Macy 's Account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX , A made payment was in store on XXXX XXXX, Payment did not post, so in XXXX she called cusomer service. Provided all information, the cashier was not over, and there sytem was off line, she could not provide the small receipt given. she called serveal times. Asking for the late fee to be removed, she was told, she needed to change er po box , due the Pariot Act.And because she would not give a new Address the customer service rep " would say they could not verifiy. this po box was used for 3yrs. never missed a pament. all or most payments were paid in cash, The balance was XXXX, under he sending limitXXXXat the time. the late XXXX interest XXXX and next payment due XXXX comes to XXXX.as of XX/XX/XXXX, the account was closed. XX/XX/XXXX. not letting me make a payment arrangment. If macy would contuine to accept the payments of XXXX monthly, ( XXXX ) would have been repaid. 
Company wrote this debit off using the miss information using the Paariot Act in the wrong way, I used my driver Licence to open the account, which i had my po box and my old address on it,,, plus reported as XXXX added XXXX in fee 's

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 2017-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I need clarification on the loan balance currently being reported to my credit by Wells Fargo Dealer Services. I have tried to get answers from Wells Fargo directly but I am not getting the information I need from their representatives. The loan number for the account is : XXXX. This is for the vehicle I had through Wells Fargo that was totaled in 2015. The insurance should have covered the loss of the vehicle but there is still a balance of {$8300.00} being reported as my remaining loan balance on my report. I have obtained copies of the insurance payouts and the numbers are not adding up to what is being reported on my credit. I am including a letter from XXXX XXXX XXXX which shows that a check for {$5500.00} was paid out to Wells Fargo in XXXX 2015. In addition to that, My GAAP benefit from XXXX XXXX XXXX XXXX was valuated at {$1000.00}. I need to understand how this was applied to my remaining loan balance and why the credit bureaus continue to report that the balance is {$8300.00}.

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 2017-07-21
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.

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 2017-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America reports bogus information to XXXX even though I do n't owe them money

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 2022-01-27
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I visited XXXX XXXX casino and made several withdrawals from various atm machines. The last two transactions failed as the ATM was out of money. I called chime and advised them that the cash transactions failed. They immediately denied my claims they have also been harassing me from XXXX every since I directly messaged them I have received follow requests from chime back to back very harassing I am afraid that they may be stealing my identity and sabotaging my account. So much has occurred its difficult to explain! But here are my documents and screenshots of my interactions and original atm receipts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still 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