BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
Good evening. The XXXX XXXX XXXXXXXX account that appears on my credit profile at Experian XXXX and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number 1 this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have 100 percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as Experian reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - XXXX  shows no information for payment history where Experian and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and Experian shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??

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 2017-08-13
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've called both companies the creditor and credit management company showing the date and that was paid and it was still referred to the credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Navient Solutions, LLC.
State: CA
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:
My loan payment was due and paid XX/XX/XXXX at XXXX Pacific Standard time. I recieved a payment confirmation through email and I printed out my recipt. I thought that paying a day ahead of time, I should be ok, right? Wrong. My account is now passdue because the paynent is supposedly pending. It is XXXX XXXX Pacific Standard time and it is still pending. I do n't have any banking issues so this sould n't be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello Respective Officer, HEre Iam writing this complaint against EXPERIAN - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX XXXX in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ Digital Assets  holding company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX  but they rejected my REFUND .Hence I had to reach the insurance provided by EXPERIAN [ XXXX ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed!

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving a check in the mail in XX/XX/XXXX from Wells Fargo, in what appeared to be the amount of our mortgage, I contacted Wells Fargo customer service for an explanation. I was informed that this loan was transferred to XXXX XXXX XXXX and a welcome letter was mailed to the address listed on the mortgage in XX/XX/XXXX. The check was for the XXXX payment. I informed customer service that no one had been at this address since XXXX when we moved my father to an Assisted Living Facility. I inquired why this, or any other communication from Wells Fargo had not been provided to me, as in XXXX they had been provided both a POA and Quit Claim Deed transferring this property to myself and my brother. The customer service representative was unable to provide and answer, however agreed to email me the welcome letter on XX/XX/XXXX. Upon receipt of the email, I contacted XXXX to set up automatic mortgage payments and was informed that they were unable to speak with me as my name was not on the mortgage, nor did they possess the POA or Quit Claim Deed which clearly should have been provided when the loan was transferred. After providing these documents to XXXX and requesting removal of a Cease-and-Desist order placed on the account ( which I am at a complete loss as to why one was placed on the account to begin with ), did XXXX agree to speak to me, at which time I was informed the loan had been placed in foreclosure and they further provided me a Reinstatement Quote which included past due fees, etc. 

We are at a complete loss as to why this mortgage was placed in foreclosure as it had been paid as agreed every month. If there had been revisions to the note, a transfer, etc. Wells Fargo should have communicated this to me, not randomly sending correspondence to an address which was vacant. We should not have been responsible for this loan going into foreclosure, nor should we have been subject to any fees or costs incurred. We should not have been penalized for Wells Fargos negligence in providing notice to all parties of record. 

As a result of this negligence, and our futile attempts for months to resolve this matter with XXXX, we were forced to pay over {$10000.00} in reinstatement 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 2017-09-25
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We were notified via email about paying our account before it was going to be " charged off '' on XXXX XXXX, that we had until XXXX XXXX to pay {$2300.00} to bring our account back into good standing but we paid over paid what was required on XXXX XXXX in the amount of {$2500.00}. 

We knew that our next payment was going to be on XXXX/XXXX/17 and we wanted to pay off the remaining balance so we called a week prior to mailing our check to get the remaining balance that needed to be paid off to close this account, to which we were told the pay off amount was {$12000.00} we were never told of any additional charges or interest that had incurred that only this was our final balance amount to pay off and close this account. The check was received prior to the date due which was on XXXX, the check was received on the XXXX. 

We just received a statement saying that we owe an additional XXXX and this was the accumulated interest on the XXXX that we just paid off. When I called today on XXXX XXXX to try to get clarification to find out why we were not disclosed of this information from the being and this was not disclosed at the time of our payout, I was told it was just poor timing on the day I called and that this does not count for the daily interest rate that accumulates until its paid in full. Again this was not disclosed to me when I called for our pay off. I asked to speak to a manager and see if there was a way that they 'd be willing to work with us since we have just given over 14,000 in the past 2 months. There was nothing she could do or no one she could have me speak with this was the way that it was and just apologized for my inconvenience, along with explaining to me over and over again how interest works and that I should have docent things differently in my plans to pay this off. 

This I find completely unacceptable. We have done everything they have asked and paid everything off and yet to be charged additional interest is absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pressler & pressler sent there first letter to me on XXXX XXXX,2017 then another on X/XX/17. Then on XXXX XXXX 2017 i recived a court letter said that i am being sued. For a full amount of XXXX. my concern is this debt is for XXXX college of XXXX which I attended years ago when i was XXXX yrs ago. It ended up being a BUG waste of my time & XXXX  actually ended up going out of business. Now i know my intial loans are with XXXX XXXX XXXX XXXX which i think are federal. Which is who i thought i owed & i speak with them & maintain my balance with as much as possible. Im am now XXXX yrs old which a XXXX yr old daughter jus got another apt & am trying to do the best i can as a mother to my child. Now as for this XXXX debt they want from me, i find unfair because they jus recently contacted me this year & its like they came out the blue. I did some research & found out that pressler & pressler have been sued before for wrongfully harrasing people & they lost. Ultimately having to pay XXXX XXXX XXXX. & this happen more then once. Why are they still able to sue people with bery little information about the situation & why the person owes money & how old the debt is. Is there a statue of limitations? I can ensue? I dont wana lose all my hard earned money to them over a debt that im already paying to another institution. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-30
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX XXXX received and accepted through certified mail a dispute for the following account : ( XXXX XXXX, ACCOUNT # XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.

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 2017-08-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and Trans Union and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection agency calling distant family associate/friend ( dentist 's wife ) with no association to persons of interest. Debt collection agency has not contacted persons of interest via phone and contacted this person unsolicited. This is not acceptable and should not be happening as the debt collector should be dealing with the persons of interest directly. Persons of interest is worried that CBE Group is contacting all people near to them and is contacting in a harassing nature. Debt does not appear on credit report. XXXX $ showed as debts on credit report so can not find the possible debts owed to CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: FL
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 are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer was ever received. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called the company numerous times trying to have them remove the late payments. I have been making payments to them.

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 2022-10-24
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan mortgage company ( Home Point Financial Corporation ) transferred my mortgage to another company ( XXXX XXXX  ) in XX/XX/2022 without proper notification to me, so I was not aware of the transfer therefore missed all the monthly payments. It caused my mortgage to be in default and the property in foreclosure, severe damage to my credit score, and over {$4000.00} fees charged by XXXXXXXX XXXX related to the missed payments and foreclosure. 
Both Home Point Financial Corporation and XXXXXXXX XXXX failed to send notification to my mailing address which is different from the property address. Home Point Financial Corporation has my mailing address, but didn't provide it to XXXXXXXX XXXX, so both companies allegedly sent all the mortgage transfer notifications by mail to the property address. My family and job were both impacted by Covid so I had to live at my mailing address, so I didn't receive any of the alleged notifications sent to the property address. XXXXXXXX XXXX representative claimed the company tried to contact me several times through telephone calls, but all the calls went to voicemail ( and no voicemail was left ), but the representative admitted that all the calls were made by XXXX XXXXXXXX so they were blocked by my phone service provider and I didn't receive any of the calls.

Company response to consumer: Closed with explanation