BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted disputes to XXXX and Transunion to no avail to remove erroneous accounts from off of my credit report. They are in violation of the FCRA.

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: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has that I owe money for medical from XXXX XXXX that have been paid through their program that pay the bills for you. I have been speaking to them for a few months about the following accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in 2016 I contacted XXXX communications directly. They agreed to remove the debt from my credit due to faulty and improper information. I have a correspondence dated XXXX to XXXX and XXXX XXXX XXXX. They removed the debt from my credit and stopped mailing letters and correspondence. 

Now I receive a new collection, listed upon my stellar credit with the same amount and under a new collection company. Waypoint Resource Group out of XXXX XXXX Texas. 

I have a nasty gram letter I have written to them as well penned today XXXX. 

This was already removed by XXXX Once it is to stay removed!!!! Period!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The home closed on XX/XX/XXXX with Movement Mortgage, then sold to XXXX. Payments started on XX/XX/XXXX. All payments have been made on time. I have proof of all payments. Between the two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone calls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue. XXXX have a transfer date of XX/XX/XXXX, then Movement Mortgage has a transfer date of XX/XX/XXXX. I sent the XX/XX/XXXXpayment to Movement Mortgage and they refuse to send the payment to XXXX because they are saying it would make my account delinquent with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good Morning, Im unable to withdraw my money from a cryptocurrency trading platform called Gemini. I have contacted them through email multiple times with no reply back. 

When I try to withdraw my money I get the same issue for weeks now. Pending Verification. They were able to take my money though. 

I appreciate any help getting this issue resolved on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Mother & I have a joint checking account and Money Market account at XXXX XXXX XXXX XXXX. She was defrauded in a Sweepstake Scam ( XXXX XXXX XXXX ) by being told she won and was required to pay the income tax due on the winnings. My Mom XXXX is XXXX years old and  suffers from some mild XXXX XXXX. She was instructed to Mail VIA the USPS overnight checks on XX/XX/XXXX in the amount of {$7900.00} and again on XX/XX/XXXX a check in the amount of {$23000.00} to the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX was again contacted and instructed to withdraw both cash & Bank checks from her account at XXXX XXXX XXXX XXXX and deposit the amounts into various Bank of America accounts : XX/XX/XXXX : Bank check to XXXX XXXX XXXX : BOA Act : XXXX for {$7200.00} XX/XX/XXXX : Bank Check to XXXX XXXX XXXX : BOA Act : XXXX for {$4900.00}

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 explanation
Consumer complaint received 2020-01-05
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: Old information reappears or never goes away

Complaint:
I have contacted the XXXX XXXX ( that you allow ) of XXXX  at least half a dozen times about the XXXX, the misinformation and completely fake report they are presenting. Almost NOTHING on it is incorrect. They refuse over and over again to EVER change their non stop lies and fraudulent information. They are some of the worst XXXX and XXXX in America and must be stopped PERMANENTLY. They have been doing this to me, and I am certain everyone else, for DECADES! How do you allow them to continuously and endlessly commit fraud with no repercussions? STAGGERING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX Dear Insurance Claims Department I am writing to submit this complaint about the XXXX XXXX  company regarding my claim for repairs for my roof, kitchen damages and the entire air conditioner system. These damages were caused by Hurricane Irma Category 5 in XX/XX/XXXX. I filed a claim for {$55.00} XXXX dollars to take care of my repairs and I received the check from the insurance company that was endorsed to me, XXXX XXXX, the insurance adjusters and the mortgage company. The check was dated XX/XX/XXXX and was valid for 90 days. I contacted Ocwen Loan Service, LLC, PHH Mortgage that is now XXXX XXXX, c/o PHH Mortgage Services in writing and by phone to ask for my check to be sent back to me for several months to date and you have not heard from any of these companies and I have not received my check to date. Im sure they have cashed my check after all this time. They should have responded to me within 10 days after they received the check that was endorsed to me and I have not heard from them to date. I know they must be in violation of the law. My situation is they think they can take my check, because the property is not in my name but I am still living in the property while this case is in ligation. 
Please find attached the costs and fees for repairs from my contractor from Hurricane Irma Category 5 in XX/XX/XXXX. There is no explanation as to why the check enclosed to me for my claim sent to the mortgage company by certified mail has not been signed and released to me for the property located at : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX which was in my name during the time this claim was filed. 
I look forward to this matter being resolved as soon as possible. Thank you. 

Regards, XXXX XXXX XXXX/ XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SUNRISE CREDIT SERVICES, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX ( formerly XXXX XXXX ) and I was a previous student in XXXX University 's XXXX XXXX XXXX in XX/XX/XXXX. In XXXX I suffered health issue and was unable to continue my classes. I received a bill in XX/XX/XXXX for {$2900.00} due to me dropping classes at a certain point. Fast forward to XX/XX/XXXX, and I am not attempting to purchase a house and there is a recent inquiry from Sunrise Credit Services on my XXXX  credit report. Unbeknownst to me I did not receive any letter or notification of this new debt that has a date of XX/XX/XXXX. Sunrise Credit Services Manager XXXX XXXX, claims that XXXX refuses to negotiate this debt. I spoke to three representatives at XXXX XXXX XXXX XXXX XXXX  that stated the account was indeed sent to collections on XX/XX/XXXX. According to Mr. XXXX, XXXX and Sunrise Credit Services did not become affiliated until XXXX. I am very upset that this recent inquiry is jeopardizing my livelihood and attempted to ask for some resolve from Sunrise Credit Services. I have never received any letter or any form of documentation of the account. All I have is an account number : 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 2017-07-24
Company: Navient Solutions, LLC.
State: KY
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:
My credit report shows that co-guarantor on a loan from NAVIENT. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from NAVIENT was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from NAVIENT and have requested a copy of the fully executed loan agreement with NAVIENT that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was home when my X girlfriend called me to go meet her at Honda dealer in XXXX XXXX XXXX, I went there when one of the guis said let me sign some papers, I asked him for what, he said has witnessed. Then after some time I saw this depth on my credit report .I call them they told me my X girl friend did not pay for the car, and they repossessed it, they said am a co signed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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: Account information incorrect

Complaint:
False repossession and delinquent accounts plus a whole bunch of credit inquiries on my experian, XXXX  and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing

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 2021-07-23
Company: Experian Information Solutions 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 went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

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 2020-03-02
Company: First National Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified letter to First National Collection Bureau Inc in XX/XX/2020 because they have contacted me numerous occasions regarding a debt they say belongs to me from XXXX XXXX XXXX. In my certified letter I asked the First National Collection Bureau Inc to please provide me proof that the debt they say I owe is valid because I never authorize XXXX XXXXXXXX XXXX to authorize a credit card in my name. In my letter, I also asked First National Collection Bureau to re-frame from calling me and to communicate with me through postal mail because they have been harassing me with at least five calls a day. I have a history of all the times they called. I also file a dispute with the XXXX XXXX and XXXX for them to investigate this case as well. I also reached out to XXXX XXXXXXXX XXXX  and they encourage me to speak with First National Collection Bureau Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2018 Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Chrysler Capital gave me a payoff quote I paid the asking amount they cashed the check from XXXX XXXX and will not release my title now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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:
Experian and XXXX refuse to remove fraudulent accounts from my credit report. I have reported this to no avail. They are in violation of the FCRA.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-25
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Good afternoon, In XX/XX/2022, I signed up for a US Bank " cash back deal '' that was sent to me through an email. The cash back deal stated that if I made a purchase of {$100.00} or more from XXXX XXXX XXXX, that I would receive {$35.00} cash back. 
I made the required purchase on XX/XX/2022 for {$100.00}. I never received the cash back, even after contacting US Bank twice. I believe this is an Unfair and Deceptive practice by US Bank to not follow through on their offers.

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 2021-02-07
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 tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or Equifax XXXX  an XXXX. I will be sending an identity theft document to the 3major bureaus.

Company response to consumer: Closed with explanation