BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/19 I was a victim of identity theft  when someone used my information to open a alternate XXXX  account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: OH
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:
Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.

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 2018-02-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.

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 2018-02-14
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have contacted Equifax several times about a collection account on my report from XXXXXXXX XXXX XXXXXXXX. i Filed a dispute on The account but it was not removed, not only that but it is on my report twice now as an additional collection account. When i contacted them about this they opened another dispute but never fixed it or even contacted me with the results. I need this collection account removed from my report along with these inquiries that i dont recognize and cant get them to remove Collection Account to be removed it is on the report Twice XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This problem is not about a loan I have. I am being harassed by Sallie Mae about my niece 's loan. I am not even a co-signer on it. 

XX/XX/XXXX- I was called by a representative named XXXX XXXX from Sallie Mae . Apparently, when my niece first applied for a college loan in XXXX, she put my name down as a reference. She is having trouble paying right now because she recently had a XXXX XXXX XXXX XXXX XXXX, and is only working part time. So, because my niece put my name down as a reference 10 years ago, these people called me because my niece won't answer her phone. I called them back the same day to complain and I told them not to ever call me again, that they have my niece 's contact information, and I can't make her answer the phone or call. They assured me I would not be bothered again. 

XX/XX/XXXX XXXX - There was a voice mail message on my phone from someone at Sallie Mae. I could not hear the name, but I believe she said her agent number was XXXX. She said her extension is XXXX. Again, she was saying she needs to talk to my niece and wants me to call her back immediately, and wants me to do anything I can to get my niece to return the call. 

I am not getting into my niece 's business and she isn't going to listen to me. I've told my niece to stop avoiding the calls, I can't do anything else. I have enough to do in my own life to help these Sallie Mae people. My husband and I have two elderly mothers and his XXXX sister to care for right now, and I work full time at a very demanding job. I am furious that they called me again after I told them already that I am not going to get involved and they assured me I would get no more phone calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: SFS, Inc
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 2021-06-29
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:
On XX/XX/2021 I submitted a complaint with proof concerning inaccuracies on my credit report for an account with XXXX XXXX. 
XXXX  and Equifax closed the complaint stating they had updated the account accurately XXXX these complaint numbers are XXXX and XXXX ). The account still does not match between these two bureaus. 
Per USC 1681i ( 5 ) - if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 

I am submitting a copy of the payment section for XXXX XXXX account that was updated by Equifax and XXXX. These two reports still do not match. XXXX  still has the XX/XX/2021 complaint open and it will be 30 days on tomorrow ( complaint # XXXX XXXX. 

This complaint also includes open complaint numbers # XXXX, XXXX, and XXXX concerning the same issue. Please have this account deleted at once. If this account is not deleted I plan to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the same original creditor " XXXX " reinsert the same collection with a different Agency " National recovery agency '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it

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 2022-06-10
Company: EQUIFAX, INC.
State: MO
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:
The XXXX, XXXX and Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The TransUnion, XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.

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 2018-02-13
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2018, I have asked Experian, XXXX and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

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 2020-04-28
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  is repeatedly charging me for the same debt that I have paid years ago. The current creditor is Pinnacle Credit Services , LLC. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. XXXX XXXX XXXX  waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.

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 2020-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I feel I was discriminated against by Chase based on my age. I have perfect credit. Over a year ago Chase, asked me to go into a Hardship program with lowered interest. I accepted this, but I did not understand that they closed my card. 

I keep great credit history. But I do not even have a chase login now. And I want to pay the whole balance I do not want to be in this program. 

I want my card to be opened. I believe there was miscommunication and misleading practices the representative pushed me to accept the partial payment plan but I never wanted that and I never wanted to close my card. I want to pay the full balance have my login back and have my card OPEN. 

I have a high 700 credit score and do biz with al banks. I have XXXX XXXX in assets and I am a good customer, I was misled and I want the card to be reopened and pay the full balance and continue my relationship with Chase. 

Ever since this happened, I tried calling hundreds of times to pay the full balance and get the card back in its original status but no one has been able to help me. 

I just ask for help please I have great payment history and I want to continue biz with chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my father processed a transfer of his home loan back in 2020 from the company mr. cooper to his current bank ( XXXX ). his bank processed the payment to mr cooper correctly and sent them the check to pay off his balance with mr cooper. the company mr cooper then cashed the check and mis applied the funds to the wrong account. from that point my father has been paying XXXX for his loan and mr cooper sold the loan to another company ( XXXX  ) because they did not catch the mistake they made. now my fathers house is being foreclosed on by XXXX  he has receipts for the last 2 years of paying his loan to XXXX. we have written documentation from mr cooper that these funds have been mishandled and have attached the relevant email to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MA
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 am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

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