BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: AZ
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:
This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for several months now to get one simple question answered. How much do I need to pay off in order to get one month off the back of the loan. No one can answer me. I am concerned because according to the amortization schedule the loan should be finished in a shorter time because I paid off 3 moths but the statements are not reflecting that I paid off those months. I already filed a complaint with this " Consumer Financial Protection Bureau to no avail. Complaint # XXXX BUREAU WAS NO HELP. The mortgage lender, Mr. Cooper, responded to my complaint by setting up an auto response email that said nothing of value and attached a copy of the amortization schedule. I already have that on the on line account! I DONT NEED ANOTHER COPY. The email says contact them if I need anything else so I did, and what did they do? THEY SENT ME TO ANOTHER ROBOT THAT SENT ME ANOTHER AMMORTIZATION SCHEDULE!! No phone number to call, no response, just the same statement to contact them if I need anything else. What kind of world is this? I can't get any help from Mr. Cooper or from this terrible useless Consumer Financial Protection Bureau. It is CLEAR no one cares, no one is there to help and this agency is completely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Servatus Corporation
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I co-signed a lease agreement for XXXX XXXX ( my son ) and XXXX XXXX XXXX friend of son ) for an apartment at XXXX on XXXX managed by XXXX XXXX XXXX. The rental lease agreement ran from XX/XX/XXXX through XX/XX/XXXX. 
On or about XX/XX/XXXX the move out paperwork was signed, keys were returned and all parties vacated the property. I have not received any form of communication from XXXX on XXXX or XXXX Communities XXXX since. 

On the evening of XX/XX/XXXX I checked my credit report on WellsFargo.com and discovered that XXXX on XXXX had reported a debt to National Credit System and that National Credit System had reported a collection to the credit reporting listing XXXX on XXXX as the original creditor. 

The next morning XX/XX/XXXX I went to XXXX on XXXX to inquire about the collection and I was told that I owe {$150.00} for carpets replaced in XX/XX/XXXX. I provided the onsite property manager XXXX XXXX with a cashiers check for {$150.00} later that day. She gave me a receipt and admitted that she did not attempt to notify me of this debt because she did not have a forwarding address. I was a co-signer. I did not ever reside at the property. However, I provided XXXX on XXXX my home address, cell phone and email in my co-signer lease application. XXXX verified that the cashiers check was cashed on XX/XX/XXXX. 

I disputed the collection with XXXX, XXXX and XXXX. XXXX deleted the collection from my credit history. XXXX and XXXX verified that National Credit System reported the collection and closed the dispute without taking any action. 

On XX/XX/XXXX at XXXX I spoke with XXXX XXXX at National Credit System . I explained that I had not been contacted by either XXXX on XXXX, First Communities or National Credit System about the debt. XXXX XXXX stated that National Credit System sends notifications by mail but they were not able to obtain my home address from XXXX on XXXX. National Credit System notified the credit reporting companies without attempting to contact me, or providing me with a validation notice. 

I informed her that the debt was paid to the original creditor on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. She stated that she would verify that the debt has been paid, and once confirmed, she would notify the credit reporting companies that the debt has been paid. I asked that she also request that the credit reporting companies delete the collection from my credit history because I was not notified of this debt. She said she was not able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase made in store XX/XX/XXXX for amount XXXX. Product was left in store for alterations. Product was damaged during alterations. Charge was already made and store would not refund for damaged product. Chase will not refund money stating I was able to see product before purchase but this is incorrect as purchase was made before product was damaged and returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company refuses to accept payments that have been established by credit counseling services because of my financial situation. They are abandoning the principle of something is better than nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash

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 monetary relief
Consumer complaint received 2021-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, I have experienced financial hardship and was unable to make my monthly payments. On XXXX XXXX, I contacted SPS and applied for mortgage assistance program. From XXXX XXXX to XX/XX/2021, I have been repeatedly sending the same documents and SPS refuses to review the documents, or stalling for time to review my documents. I have been in compliance and SPS lender has been negligence in reviewing my mortgage assistance documents appropriately. 
I am requesting an investigation on this matter. 
Thank you, XXXX XXXX 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 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a complain because there was  XXXX   XXXX  inquiries on  XXXX / XXXX / 2017  within minutes of alerts call   XXXX    only saw  XXXX  inquiry on system.   Finally Transunion remove the  XXXX  extra inquiries from  XXXX  and left the  XXXX  I could not get in the Transunion website to see my report the entire weekend of  XXXX   XXXX  and  XXXX . Message sorry for the difficulties we 're working into correcting Then call their number message wait longer because of social media due to glitches Started to get alerts about my Transunion score changing and changes to my report Able to login and check on  XXXX    XXXX ,2017  And see a   XXXX   hard inquiry reinserted on my file Call  XXXX  because I had not apply to any new products they could not find an new application under my name or socialsecurity.   Call Transunion say their system is down  Went  to Transunion   XXXX   and BBB people complaining about Transunion reinserting inquiries Please remove the re inserted inquiry on my 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 explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
the company XXXX XXXX XXXX XXXX .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. XXXX XXXX failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from XXXX XXXX to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # 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 2022-03-31
Company: Atlantic Recovery Solutions LLC
State: OH
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:
In XXXX of XXXX I was contacted by Atlantic Recovery Solutions to settle a XXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected Atlantic Recovery solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to Atlantic Recovery Solutions ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America frozen my account my funds werent available to me in the pandemic when I was on unemployment causing me to lose my vehicle threw repo. getting behind on bills. And rent. This is very stressful emotionally and financially unable to get a hold of anybody about money owed to me, and being sent in circles to fix and problems. I loss a lot.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im accordance with the fair credit reporting act XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXdept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # 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 an 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: STERLING JEWELERS, INC.
State: OH
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:
In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a Kay Jeweler credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX  and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX

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