BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/XXXX we were residing at XXXX XXXX XXXX, owned by XXXX XXXX. During this time our apartment had begun to leak large amounts of water when it rained. Eventually it resulted in us having to call the fire department. This problem was never resolved. After repeated contacts to a XXXX XXXX who did eventually offer us another sub par unit, we moved out. XXXX  is now over a year later attempting to seek money for their flooded unit, using deceptive and dishonest methods. Just yesterday XX/XX/XXXX A Mars 's Inc here in XXXX contacted us trying to collect XXXX, I then called XXXX, and spoke to a XXXX XXXX. She informed me the fees were for cleaning, breaking our lease, and so fourth. She later had to call back because she discovered what I had previously claimed was true. So she now has informed Mars Inc that we allegedly owe {$360.00}. XXXX XXXX according to XXXX XXXX has left the company, and no longer works for XXXX XXXX XXXX. However I am very careful to keep all Emails and Pictures, including the one where XXXX XXXX offered us another unit, and all the emails where she talks about having the roof professionally fixed, but never did. I can't express how disgraceful XXXX XXXX XXXX and XXXX XXXX actions are, we are under no obligation to rent from XXXX XXXX XXXX and had discussed moving multiple times, it is clear that Mars Inc has been hired out of retaliation after XXXX XXXX left, because XXXX is mad that we left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: FISERV INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I electronically sent {$470.00} from my XXXX account to my student loan provider, XXXX. XXXX sent confirmation that the transfer was processed and gave me a confirmation number. However, when I called XXXX, they never received the money. At first, I thought I entered incorrect account information. However, according to XXXX and XXXX, the information was entered correctly. During the process, I find out from XXXX that they go through a third party for electronically processing. The name of the company is XXXX XXXX, which is part of Fiserv. XXXX supposedly contacted Fiserv to inquire about my XX/XX/XXXX payment several days ago. However, I was told by XXXX that Fiserv will not cooperate. I contacted Fiserv but I was disconnected. Frankly, I do not know what to do next because it is XX/XX/XXXX, and I am worried that they are collecting interest on my money and using that for profits. I know the interest on {$470.00} is not a lot however if this is being done to other thousands of customers, then the money adds up quickly. Please contact me as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2022-08-31
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Please see complaint # XXXX. 

Sallie Mae Bank was lender in XXXX  ( When XXXX. XXXX Bankruptcy was filed ). Switched to XXXX XXXX. 

Lender has since changed twice in 8 years. This SHOULD HAVE been removed by Sallie Mae Bank back in XXXXBut they just passed it to next lender who is just as non-responsive as Sallie Mae was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: SC
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:
I have contacted Experian via USPS Certified mail on several occasions now about an account on my credit file affecting my credit score which is showing incorrect data such as late payments. The account XXXX XXXX XXXX XXXX, Acct # XXXX, 30 Days Past Due, and 60 Days Past Due which is not correct information because I have never been past due. 

I have reached out to XXXX XXXX XXXX XXXX Branch Manager XXXX XXXX in reference to this incorrect information, and she wrote me in an e-mail stating that there are delinquencies being reported to the credit bureau at all. I forward a copy of this communication from the Branch Manager to Experian after I disputed the account and Experian still says the account information is correct even tho I reached out to the bank who states no delinquencies being reported to the credit bureau. I am trying to resolved this matter asap or I will be force to file court filings in this matter against Experian. 

Experian keeps verifying the account information is correct when it's indeed incorrect. The Experian Report # 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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 2022-08-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, XXXX and Equifax received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

Equifax- Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: FinCo Services Inc DBA Current
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 was contacted by The company Current XXXX  in regards to unauthorized access to my current card account. Current advised me that someone was attempting to login in to my account from XXXX, Florida. Due to the fact that I have had no recent transaction nor transfer activity in the state of Florida. Current, wanted to alert me of the attempt. They advised me that the attempted had been blocked and my account was secure. 
On XX/XX/2021 upon receiving transaction notifications from Current. I saw where my direct deposit in the amount of {$410.00} posted to my account and was immediately transferred to an unknown account. I immediately reached out to Current support who initially stated that a dispute had been submitted for my case. On XX/XX/2021 I reached out to Current support for an update regarding my case.Considering, I had never received a confirmation email from the dispute department. Nor, any correspondence regarding the fraud that had taken place on my account I was advised that there was nothing they could do to further assist me. I would have to await for correspondence from the dispute department or pursue the investigation myself. As of today XX/XX/XXXX, I have still not received any updates nor assistance from current. In addition, I have just been made aware of another attempted withdrawal in the amount of {$260.00} at a XXXX XXXX in Minnesota. The transaction was only declined due to insufficient funds. It concerns me that Current has not put fraud preventive steps in place to protect my account after having already been notified of recent fraudulent activity. This is obvious fraud and they are unwilling to assist me an attempt to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification appeal on XX/XX/2022, 2 days later I was denied. I called to ask why, I was informed by Mr Cooper employee, if you apply for a loan mod appeal within 12 months it was an automatic denial, I was not told this at all, in fact I was told to appeal the decision by letters I received. Per the information on Mr cooper site and mailings they state a decision can take up to 30 days. how can they examine my financial and make a decision 2 days, when this process goes through many phase. I feel like I am being preyed on due to my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-07
Company: PDQ Services, Inc.
State: GA
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 a victim of identity thef

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX - XXXX - balance = {$1500.00} ... 
this debt was paid, must remove XXXX XXXX - XXXX - balance = {$240.00} this is not my debt, plus they are violating my consumer rights, illegal contacts, wrongful charges and never resided at that address. 

XXXX XXXX XXXX XXXX - XXXX - {$3200.00} I never received product from XXXX XXXX. there was a police report and I was told they was going to clear my balance to know this company is now violating my consumer rights as well. this must also be remove XXXX : these files are on my XXXX and they have giving me a hard time, the other bureau been took the off and can't understand why XXXX thinks this is my debt. This is clearly not me. They also need to cut me a check for violating my consumer rights ...

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 2022-03-05
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This loan was acquired in XX/XX/XXXX with a monthly payment of {$720.00} and at the time I was never told the interest accrued daily but was told I could make principal payments and there was no prepayment penalty. I have been attempting to make an additional {$100.00} toward the principal since XX/XX/XXXX with the exception of XX/XX/XXXX additional payment was {$73.00}. Per my welcome letter, additional monies would be applied towards the principal in accordance with the contract and once I realized the overage wasnt being applied to principal, In XX/XX/XXXX I spoke to a XXXX which said I must add a memo designating such. I informed her that I pay through online banking and at that time I couldnt add a memo. She agreed that a flag would be placed on my account designating all overages should be applied towards Principal and would contact the XXXX XXXX to re-apply the overages. In XX/XX/XXXX I began to send the overage separately and after my monthly payment in hopes to alleviate the confusion to no avail. I have talked to several Managers with promises of correct this problem and still no resolution. This is frustrating and very disappointing because I am trying to shorten the terms of this loan without success. Also the terms of this loan changed on XX/XX/XXXX without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
This has been paid since XXXX. STILL noted on my account as in collection. Would love some help. Have formal letter stating otherwise and attached!

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 2022-08-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Between XX/XX/XXXX XXXX XX/XX/2022 Experian, XXXX and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

Experian-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Regarding existing disputes filed with CFPB : # XXXX - XXXX # XXXX - Experian Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity 100,000 times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over 400 pages, including a recent letter from XXXX to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the XXXX breach. '' So here is my complaint. 
I want a phone number where I can reach a human at XXXX and Experian and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.

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 2019-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX XXXX or Transunion.

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 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened 2 credit cards with Capital One and approx 6 mo after having them while out of the area I tried to purchase and they were trying to protect me from fraud, not knowing that it was in fact me, they froze both of my accounts and I was no longer able to make purchases nor make payments and they ended up as charge-offs and I in the end paid them to zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change

Company response to consumer: Closed with explanation