BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have got into the the hands 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 2022-09-29
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Municipal Services Bureau has been calling for over 3 years. 
The last time they called was Tuesday, XX/XX/XXXX the at XXXXXXXX XXXX, from the number XXXX. 
I inquired about their reference id # XXXX and it was to collect a debt from a man who does not live here and is not at all related to me. 
I owe no debt with them, and they have acknowleged that, but they continue to call often.

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 2017-04-26
Company: Provadus LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Friday XX/XX/XXXX I contacted loan XXXX XXXX XXXX with Profund Mortgage LLC in XXXX at XXXX to refinance my mortgage.He gave me a verbal quote and said to make loan application on line which I did.His quote was as follows : loan balance of {$190000.00} with 2.75 % for XXXX year term with no lender fees. 
XXXX told me he had over 10 years of experience in the mortgage industry. 
On Monday XX/XX/XXXX I follow up with XXXX but he was sick. On XX/XX/XXXX I provided him with all information he requested including tax returns for 2 years, insurance, bank statements for 2 years etc. He send me the loan estimate with the above terms as promised. 
On XX/XX/XXXX XXXX sent me the the loan estimate and other documents to sign electronically.To my surprise the loan estimate to sign were different than the original one. 
The new terms were as follows : loan amount had been changed to {$190000.00} and lender origination fee was now {$3300.00} instead of zero. 
Once I contacted XXXX he immediately changed it to the original terms and said it was a " computer glitch ''. 
On XX/XX/XXXX I provided XXXX XXXX with my credit card information to charge the appraisal fee. 
On XX/XX/XXXX XXXX XXXX called to notify me that he could no longer do the loan with the terms already signed and rate locked on the loan estimate. He then referred me to his XXXX XXXX XXXX who basically said the same thing. 
They could now offer me a new loan with a higher interest rate with no lender fees. 
What is a written loan estimate worth if no one is holding the lenders firm to their commitment? 
My personal situation did not change in those few days. My XXXX XXXX is XXXX, loan to value in the property is 50 %, great income with no debt. The ideal borrower. 
How can a lender do business like that? I call it bait and switch and this should be taken seriously. I would stay away from this unscrupulous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my Credit File after 4 business days from the date of receipt. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2020 my chime account was fraudulently used to make unauthorized purchases on my XXXX account. There was XXXX charges that totaled the amount of {$80.00}. I have had XXXX write me numerous letters stating that this was definitely fraudulent activity. I even had XXXX and chime together on a conference call hoping that this would resolve the issue but it still did not work. When i talk to chime on the phone they even agree with me that this does look like fraud but they say they cant do anything about it because its already moved to their dispute team. The last time i spoke with XXXX and chime together XXXX provided me with XXXX IP address to give to chime stating that those would show that I did not make the purchases but after sending chime the information they still refused to release my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MO
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:
The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through Carrington Mortgage Solutions. I have auto payment set up to come out on the XXXX of each month ( the due date of the bill ). This months payment, XXXX, they took the payment out 2 days, possibly 3 days early. I will call them tomorrow to discuss ; however, I have researched and have seen a lot of lawsuits with this company in the past. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report 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 2022-09-29
Company: ALLY FINANCIAL INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I talked to them on the phone and they said I still owed a debt, I was taken to court earlier by a different attorney and this debt was dropped because I have a XXXX XXXX and paid-off note! this is not my debt. The court in XXXX XXXX has a record of this information and I am no longer to be contacted over this debt. This is unfair and the original collector knows it was paid for.

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 2022-08-02
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date 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
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX XXXXXXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, 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
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
Inaccurate information reporting on my credit report that are not mine. I have contacted Equifax, XXXX, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to Equifax, XXXX, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. Equifax, XXXX, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call Equifax, XXXX, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : 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 How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my Equifax and XXXX score does not reflect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date 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 2022-06-09
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An apartment complex sued my wife and I because rent was received via overnight mail 1 day late. The amount due was {$5.00}. They sued us for possession and received a judgment on XX/XX/XXXX in the amount of {$3400.00}. We found out a few months later that XX/XX/XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX placed the judgment on my credit in the amount of {$9400.00}. When we contacted them and advised 1. we never received notification of the debt as we were in the process of negotiating the amount with XXXX, the actual company that received the judgment. 2. there was no justification of the amount reported that was nearly triple the judgment amount. The company advised we received notification of the debt or how else could we contact them. I was notified when checking my credit. There is no way they could have received and validated the debt in 30 days from the actual judgment when we would have been given 30 days alone to validate it. We were not given anything. They also advised if we have a judgment we know we owe them money but again the dispute is for the amount. They continue to validate the amount without providing any proof of the amount or that they are legally able to collect as the amount supposedly includes the judgment to XXXX but they are reporting the creditor as XXXX XXXX  which no longer exists. There is nothing accurate or legal about the way this debt is being handled. The collection agency is conflating the amount they claim we owe with the amount of the judgment by pretending they're 2 separate amounts but reporting an amount that clearly includes the amount of the judgement along with the additional yet inexplicable inflated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account received a payment of XXXX USD on XX/XX/2021, and it is still unavailable. The account is closed and can not be linked to a bank and withdraw cash. Please " XXXX '' help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has I have not received a response yet. I feel like Im being taken advantage of and being ignored concerning my disputes. Section611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has surpassed that time frame at this point so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and emotional trauma caused to me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person, as I have received notifications from my credit monitoring service that my personal information has been found on the dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX Account Number : XXXX Under 15 USC XXXX this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXXXXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

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 2022-12-13
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You are fraudulently reporting an account that does not belong to me. I've attached the police report for this account, remove it immediately from any consumer agencies you have reported it to or I will be asserting my rights in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation