BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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 XXXX Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX/Account # XXXX XXXX Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account Name XXXX XXXX XXXX XXXX/Account # XXXX, has violated my rights XXXX 

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 2022-11-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX RECEIVED COLLECTION NOTICES FROM CONSERVE XXXX XXXX XXXX XXXX NY XXXX. ALSO AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.

 THE DEBTOR WAS PREVIOUSLY OUR CLIENT, BUT NOT NOW
WE ARE THE FORMER ACCOUNTING FIRM OF THE DEBTOR.
THEY MAILED 3 COLLECTION NOTICES TO XXXX XXXX, I AM A MEMBER OF THIS ACCOUTNING FIRM. WE DO NOT WORK FOR THE DEBTOR ANY LONGER. WE  WILL ACCEPT ANY CONTACT FROM THIS COLLECTION AGENCY.

WE WILL SUE THEM IF THIS CONTINUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was unemployed from XX/XX/2022 until XX/XX/2022. During that time, I was receiving unemployment payments at a significant reduction in income. When I notified Navient through phone conversation that I was no longer employed and that my income was reduced as a result, I was told I had to continue paying the same amount as I was when I was employed full time. I attempted to do that just that as demanded. When my savings ran out in XX/XX/2022, I informed Navient that I would be unable to continue paying but that I had accepted a job offer and would receive my first paycheck in XXXX and be able to re-continue payments at that point. I was told that I would receive no more calls and that I could make up the missed payments at a later date. 
However, not only myself, but my co-signers constantly received harassing phone calls, despite calling multiple times to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2022 I sent {$300.00} via XXXX to XXXX XX/XX/2022 I sent {$200.00} via XXXX to XXXX The money was sent as a down payment on a puppy. When I went to the address provided to pickup the dog on XX/XX/2022, the person who answered the door knew nothing. I tried to call the persons number and it was disconnected. XXXX profile and email were also deleted. I was scammed, any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was in a Debt Consolidation program with XXXX XXXX, which they used Global holdings to debit all monthly payments. 

I completed the program and was due a refund in the amount of {$810.00}, check was issued through Global Holdings on XX/XX/2022. 

Wednesday XX/XX/2022 I received notification that mail was coming through the Informed Delivery through the United States Post Office, which tells you all the mail that is coming to you. 

I have waited for the check and nothing came. So on today on XX/XX/2022, I called Global Holdings and inquired about the check. I informed the XXXX at XXXX XXXX, that I received notification on Wednesday XX/XX/2022 that a check was coming. I explained the Post office sends notification on mail coming and that they scanned in the mail. I explained what is alarming to me, is that on the envelope it says " Payment Enclosed '', and that is letting people know it is a check inside. The lady said they do not put " Payment Enclosed ' on the envelope and I said yes you do. She said maybe the post office did not. I said this is coming from your office. 

I stated this is not safe to do, if you are issuing refunds and this is letting other know it is a check enclosed. I asked for a stop payment and she said she will place a stop payment and have them to deposit the funds to my account. I said this should have been done in the first place instead of a check. Then proceeded to tell me, I will be charged a stop payment fee of {$17.00}. I said the company placed on the envelope " Payment Enclosed '', which tells people it is a check inside. I am not sure what happened after the post office scanned it in, but Global Holdings never should place " Payment Enclosed '', when issuing a refund. That should be discreet as people are not honest in returning mail to the rightful owners. I should not be charged a stop payment fee if {$17.00} for mail they should have been discreet about. So, yes I am upset.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BARCLAYS BANK DELAWARE
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 from - XXXX XX/XX/XXXX for XX/XX/XXXX flights. 
Purchase price - {$1500.00}. 
Flights cancelled - XX/XX/XXXX due to virus. 
Refund promised by XXXX on - XX/XX/XXXX. 
Date of dispute - XX/XX/XXXX. 
Dispute amount - {$1500.00}. 
Dispute case ID - XXXX. 
Today 's date - XX/XX/XXXX. 

Dispute filed 9 days ago. To date, I have received no response, no follow up. I called the company and they told me it could take up to 4 months to process. 4 months. They failed to respond to internal messages. Finding a way to file the online dispute took days. They only recently implemented an online filing system. But I still had to fax my documents to them. 

I get the virus has slowed things down but Barclays, aside from their severely out of date system is taking advantage of this with ridiculous wait times and lack of response. This has been the worst experience I have ever encountered with a business.

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 2022-08-19
Company: NOVA Financial Holding Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, Nova Financial & Investment, my mortgage holder, applied my ON TIME PAYMENT of {$1000.00} to miscellaneous NEW subaccounts, including 1 called 'unapplied balance '. They then 1- reported me LATE to the credit bureaus and 2- began an escrow account that I never requested nor agreed to. 

I contacted the company in mid XXXX and was informed that I had a 'late balance due ' of {$270.00}. This was a strange number to me. Later on XX/XX/XXXX, XXXX informed me via tele that MY LOAN PMT INCREASED IN XXXX. I was then informed that only {$950.00} was received. This could not be. As I had just sent my XXXX payment for the same, agreed to at signing, amount of {$1000.00}. This was when I discovered their 'creative " accounting practices. And learned that monies were sent to XXXX XXXX for my property taxes. I had paid these same taxes in late XXXX, and sent Nova PROOF just as they had requested. Its clear to me now they did this to create and collect on UNJUST LATE FEES. and in the process, they wrecked my credit. Banks recently were fined for the exact same fraudulent FEE practices on checking accounts. 

On XX/XX/XXXX I emailed a complaint directly to XXXX and received a 'verification email ' that it was received and ACTION would be taken. Also, I would be contacted by XXXX XXXX within 2 days. She later said that she would 'submit to credit for a review today ' and immediately get back to me. 

It is now XX/XX/XXXX, and I have heard nothing. My good credit, and record of ON TIME payments, is now wrecked thanks to Nova. And their creative bookkeeping practices continue. Will you please help?

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted a security freeze on my trans union credit report as well as the 2 other credit agencies after my information was used in identity theft. However, I was made an aware that trans union didnt put a freeze and many accounts were open that I am dealing with right now. Started in 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 2022-06-21
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Mr. Cooper Group Inc.
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX has filed a case on behave of Nationstar Mortgage for a debt not owed. I never had a contract with Nationstar Mortgage or XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a solicitation from XXXX XXXX at Rocket Mortgage to refinance my mortgage. My current rate is very competitive and I told him I was not interested. I then received a letter in the mail indicating that my mortgage loan was denied when I never applied for any loan. I called Rocket Mortgage- and spoke with XXXX who advised that they should have advised it was withdrawn not denied. I told Rocket Mortgage that I should not have received any letters as I never applied or requested a refinance review or decision. She forwarded me to a resolution advocate, XXXX XXXX, who was very kind but did not seem to know how to fix the issue. She advised that I should not be concerned because credit reporting agencies were not notified. I told her that was the least of my concerns. I was concerned because it looks like Rocket mortgage was falsifying documents indicating that I tried to apply for a loan and was denied- which is not accurate or truthful. The " denial '' letter references a loan number but there was never any such agreement between myself and rocket mortage. XXXX advised this was not a " real '' loan number but just a way to keep track of client calls. I advised her that was a poor choice of labels and that if it says it's a loan on my letter- then it is a loan. I advised that I want a corrected letter from Rocket Mortgage indicating there was no loan application or request and that I was not denied a loan - that I did not apply for a loan. 
This sounds very similar to a situation XXXX XXXX found themselves in a few years ago where they were opening accounts on the customer 's behalf after a similar phone call. XXXX XXXX was found to be in violation, held accountable, fined and resulted in lost business for XXXX XXXX. I do not think Rocket Mortgage should be allowed to continue this practice. If a customer is contacted as part of a marketing campaign, it should not be labeled a mortgage application unless they chose to apply for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
EXPERIAN IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX  XXXXXXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT EXPERIAN. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a complaint earlier this month about addresses being incorrect on all of my reports ( Experian, XXXX, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done 30 days ago.

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 2022-06-21
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:
n accordance with the Fair Credit Reporting act XXXX XXXXL Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 2022-04-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I am filing a complaint against Experian due to willful negligence. Experian continues to provide false and misleading information regarding the unverified CCU collection account that remains on my credit profile. Per Experian 's website CCU is a collection account but per my fico Experian is referring to it as a charge off which is in violation of my consumer rights as maximum possible information is not being reported accurately. I have submitted many disputes as it pertains to the unverified collections account that remains ONLY on my Experian report. Experian refuses to reinvestigate and continues to provide me with the same generic response month after month which is against the law and violates my consumer rights as the credit report should have maximum correct information. Experian continues to state the collections account has been updated, but it remains unchanged. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information 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 2023-09-04
Company: EQUIFAX, INC.
State: MO
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 168. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # 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 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 2022-06-21
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent account appearing on my credit report. 

1. Us Department Of Education 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 non-monetary relief