BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im a victim of IdentityTheft Ive been trying to have a Fraudulent account removed from my Experian credit file and Experian keeps violating my rights as a consumer by not sending me any documents to my home address showing the results or anything they just been updating the account on their website saying that the account has been verified by the creditor which that cant be possible because i was a victim of identitytheft i need them to show me actual proof, documents or any evidence that the account is actually mine if they cant show proof they need to delete the account as they been playing games and messing my credit score Note : they also have the account listed with 2 account numbers which thats inaccurate information and errors and should be DELETED immediately

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 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
transaction date was in XX/XX/2021, amount is {$2600.00}, from XXXX AND BANK OF AMERICA paid to XXXX XXXX XXXX XXXX XXXX XXXX .this company provided International online piano lessons it is call XXXX XXXXXXXX XXXX XXXX we have to prepay for the service, but they never provide any service yet, then the company closed down and run with out any reason and any notice. also XXXX  Apps can not log in any more.

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 2022-06-06
Company: Professional Debt Mediation, 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 reached out to PRofessional debt and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and XXXX I have also contacted all parties, my next step is litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXXAccount name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I started a loan modification in XXXX of XXXX and made the payments and returned paperwork. I paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payment in XXXX. I called to find out what was going on multiple times each time they said they just need payment to clear to get underwriting done. Each time I called the next month and the same story. XXXX comes and I call again. They said the modification was denied due to paperwork was not returned or expired. Which it was returned in XXXX. They told me to reapply which I did but they denied with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
experian is reporting late payments on my credit report. 

I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.

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 2022-08-22
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Trying to obtain original MPNs for my student loans as well as subsequent transfer MPNs. I have contacted the university, StudentAid.gov and FedLoan, the only document I finally received was an MPN for consolidation in XXXX. The original loans were for XXXX, consolidated first between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

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 2021-03-23
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was informed by XXXX XXXXXXXX XXXX that my Escrow account needed {$1700.00} to bring it up to date. On XX/XX/XXXX XXXX XXXXXXXX XXXX withdrew {$3700.00} from my XXXX XXXX XXXXXXXX account, broken down as follows, {$1700.00} to bring my Escrow account up to date and {$1900.00} towards my mortgage. 
Please see XXXX XXXX XXXX Statement attached. 
On XX/XX/XXXX I received a letter from PHH Mortgage Service they were the new Servicer of my mortgage and that my Escrow account was negative {$230.00}. 
On XX/XX/XXXX I received another letter from PHH Mortgage that my Escrow account was short {$1600.00} short. This meant I would have paid {$1700.00} on XX/XX/XXXX to XXXX XXXX XXXX  and an additional {$1600.00} to PHH Mortgage making a grand total of {$3400.00} meaning I would be paying this Escrow shortage twice. 
I have exhausted all efforts for PHH Mortgage to correct this discrepancy but they have refused to do so. In fact they have increased my Mortgage by over {$250.00} At this the only recourse I have left is to ask for an investigation by the relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
These accounts were recently or previously reported on my credit report and are not my accounts. 
Bank of AmericaXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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:
My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : XXXX, XXXX, and Equifax. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Credit Supreme LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid a {$99.00} startup fee in XXXX of 2022 under the impression that this company would help me repair my credit. I then paid them $ XXXX  monthly following that initial ( illegal ) {$99.00} startup fee with NO results. I asked XXXX, who was the woman in charge of my file, to schedule a call with me so we could go over what actions shed taken and what shes been doing behind the scenes so I can get a better understanding of how this company works. She was elusive, unresponsive, dismissive and passive aggressive when I asked for more information. When I tried to cancel the agreement in XXXX of 2022, XXXX ( the manager ) said it would be in my best interest to work with them another month and that I would be doing myself a great disservice if I cancelled then. XXXX promised me that if I work with them for one more month and there were still no results, I would qualify for the money back guarantee. Fast forward to XXXX of 2022, still no results, no improvements, and no evidence of them working to improve my credit on my behalf. I asked for services to be cancelled immediately and for my money to be returned and XXXX responded, Im sorry it doesnt work that way. I am demanding a full refund of the money I have paid to this fraudulent company including the illegal startup fee.

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 2022-04-24
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX, XXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all 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 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 seven 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 2022-08-21
Company: EQUIFAX, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX is reporting a XXXX account and XXXX is not I have attached XXXX Credit Report showing that the XXXX derogatory Account has been deleted. I demand that you delete that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX - XX/XX/XXXX {$430.00} BoA asked me pay this amount which are not purchase those XX/XX/XXXX - XX/XX/XXXX {$3800.00} XXXX XXXX will close this account for fraud but I want to make sure

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 2022-07-27
Company: OSG Group Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Original debt was from XXXX XXXX XXXX for {$200.00}. XXXX XXXX XXXX sold the debt to Debt Management Partners in 2021 according to XXXX. I received several calls from " XXXX '' the " XXXX XXXX XXXX XXXX '' threatening to arrest me for bank fraud. XXXX also called my husband, both my elderly parents and my employer. I asked XXXX to send me proof of my debt through mail and he refused and continued threatening me. I asked him not to contact me, or my family members, or my employer, but he has continued to do so. Sometimes 10 times per day, leaving threatening messages and telling my employer and family members details about my debt. I called the number XXXX referred me too and a receptionist answers for a company called " XXXX '', but they will not give me a mailing address because " they don't disclose that information ''. The phone number for " XXXX '' is XXXX. XXXX has called me from numerous different numbers.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I sent a letter regarding the below referenced accounts over 30 days ago on XX/XX/2022 via certified mail. I have not received any bill or proof stating that I owe these accounts. The companies listed below have not sent me anything regarding these errors in billing and reporting on my credit file. Please have these INACCURATE accounts deleted ASAP. 

XXXX XXXX XXXX XXXX ARS ACCOUNT RESOLUTION {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$360000.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}

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