BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: Mobiloans, LLC
State: TN
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 have sent two debt validation requests ( XX/XX/2019 and XX/XX/2019 ) and have never received anything back.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-04
Company: I.C. System, Inc.
State: GA
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, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

I.C. System, Inc 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 adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C Apersonshall not furnish any information relating to XXXX XXXX reporting agencyif the person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: Their investigation did not fix an error on your report

Complaint:
The exact same XXXX/XXXX account on my Experian Credit Report is reporting twice. As I explained to Experian, these XXXX accounts are the same exact account. The second account was created when my credit card was stolen and XXXX/XXXX issued a new account number to prevent fraud. XXXX of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since Experian admits it cant verify it.
Lastly, my account shows that I was 30-days late when in fact that is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: ALLY FINANCIAL INC.
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had bed bugs in my apartment 3 years ago I was only in the apartment for 2 months & it was heavily infested I told the apartments because according to lease they is responsible for getting rid of the bed bugs they sent someone out who said they didnt see anything but I had pictures & all so they broke the lease agreement by deciding not to treat the bugs so I moved later down the line is when I tried to get an apartment I am unable to get 1 because all these charges they placed on my credit report so now Im XXXX all the charges they say was from things I left in the apartment well all them things had bed bugs so I couldnt take them to my next home they say I owe {$2000.00} Hunter Warfield Inc from XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.

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 2022-10-25
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ( EARLY WARNING SYSTEMS ) HAS PREVENTED ME FROM HAVING A NORMAL LIFE. I HAVE XXXX BAD CHECKS AND THEY MALICIOUSLY CALL EVERY FINANCIAL INSTITUTION I APPLY TO AND CONVINCE THEM WITH FALSE INFORMATION TO CLOSE MY ACCOUNT ( S ). I HAVE ONE BLEMISH ON MY HISTORY. I LEFT AN ACCOUNT OPEN ( XXXX XXXX  ) WITH XXXX DOLLARS IN IT. I CHANGED ADDRESS AND DID NOT MONITOR ACCOUNT. THE CREDIT UNION ALLOWED A ONLINE SUBSCRIPTION THAT I WAS UNAWARE OF TAP THE ACCOUNT UNTIL IT WAS XXXX IN THE NEGATIVE. ON THE REPORT THEY PURPOSELY LEFT THE DOLLAR AMOUNT BLANK, SO THAT CREDITORS WOULD BE WARY AND NOT PURSUE THE BUSINESS RELATIONSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates collection agency bought a fraudulent debt from XXXX XXXX XXXX in my name a card which I never applied never used never paid and was dumped by XXXX and bought by pra now pra is producing listing on my credit report for XXXX XXXX XXXX  which has already sold the dead which is not right and their debt buying listing also which is against the law as I have no agreement to pay the debt especially a fraudulent one to them they also failed to validate what does that is for they do n't even have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX, this company reported false information to the credit bureaus. The company said I made a {$90.00} payment on a very old collection. This is the third time they report false payments made by me. This false payment will now allow them to re-age this debt and it will continue to harm my credit score. This debt has less than a year to report, according to statutes. Theyve tried to garnish my wages back in XXXX and the courts would not allow it. Now they are lying about payments and trying to re-age the account. This is not legal. You can not report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I believe last year I had reach out to XXXX XXXX and you guys about this I had already dispute this 2 time I believe and I even had a letter respond from XXXX XXXX saying they seen the mistake that was made. I did not myself open this line of credit and they told me they would have taken care of it and to this day I still see it on my credit resport and I need it off.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: IL
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:
Since XX/XX/2021 I've been trying to get investigations done on several accounts and sending validation letters and have not received any response back. Also the bureaus are not conducting their investigation into the problems which shows me as the consumer they have no regard for the FCRA guidelines and the Collection agencies have no regard for the FDCPA. This will be my final attempt for the bureaus as well as the collection agencies to send proof of the requested information attached below and verify these accounts on their accuracy. I am keeping really good record of all this. I will file a report with the FTC as well if this does not come to a resolution. It is baffling how I'm sending this information to the bureaus, creditors and collection agencies and NO ONE RESPONSES. You are at this point violating my consumer rights and have PAST YOUR INVESTIGATION TIME FRAME BY 90 DAYS I DEMAND DELETION AT THIS POINT. XXXX  Please DO NOT respond with your stall tactic saying authorization is required or I will file FTC COMPLAINT FOR NON-COMPLIANCE. Please consider this my written authorization with my proof of my identity attached. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I refinanced by property at XXXX GXXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be Planet Home Lending and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to XXXX XXXX XXXX XXXX XXXX  ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from Planet Home Lending saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from XXXX stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called Planet Home lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that XXXX had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called XXXX and reported the problem and they empantically stated in contradiction to Planet Home Lending that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .XXXX XXXX XXXX or Planet Home Lending. In my opinion they both are less that a 1 out of 10. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that Planet Home Lending was going to transfer the loan to XXXX on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have reached out to Wells Fargo on several occasions each time I was denied a hardship application due to fact Wells Fargo refuses to provide consumer with written confirmation of their offer, then refuses to due business with any consumer that exercises their right to complaint with CFPB or seek class actions. 

I have made several attempts to seek financial assistance through Wells Fargo hardship program due to XXXX, each time during discussion if I raise any concerns or ask for written confirmation my call is transfer to their escalation department, I then placed on permeant hold, then call is disconnected and I have to repeated this process now going on ( 3 ) months. 

Wells Fargo is engaging in discriminatory business practices against XXXX XXXX selectively declining hardship application and telling consumer if we exercise our right to file complaint or seek legal assistance they will not refused to provide assistance. I spoke with a representative by the XXXX and XXXX XXXX XXXX refused to allow me to complete a financial hardship application, both threaten to terminate call if I filed a consumer complaint.

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 2021-10-04
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2021, from National Credit Systems, XXXX XXXX XXXX, XXXX, GA XXXX, showing client XXXX XXXX XXXX , Client Account Number XXXX, NCS Account Number XXXX, and balance of {$8800.00}. I sent a letter to the company within 30 days for verification of the debt. 

As of this date XX/XX/2021, i have not received verification of this debt from National Credit Systems. This company has reported this debt to credit reporting agencies, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit it shows that i owe this debt but its not mine. My identity has been stolen i wouldn't doubt that someone open this account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: ALLY FINANCIAL INC.
State: WI
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 amount is much higher on my credit report than on the actual website. Also, i have been paying my monthly note on time and you guys keep reporting I'm late. This false information and its affecting my credit score alot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited Funds to synchrony bank with a new account open. I was told there are no holds for new accounts and if I sent a wire transfer, there would not be a problem. the funds would be available immediately. 

I funded the account and requested the funds to be wired out to two multi nation companies. I waited a day and was told after three calls to figure out whats going on, the company told me the account was under " review '' and that they do not allow me to wire funds out of the account. They also told me that one of the companies I wanted to wire to, XXXX, they would not allow. This company has not given me an actual answer as to why they are holding my money, and a " review '' is not substantial. I have a right to know the exact reason. 

Essentially, this company has been holding my funds for no valid reason. I opened up my bank account with my real accurate information. The company allowed me to open the account. I funded the account not with ACH but with real hard funds via wire. The company is now holding those funds without cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.

Company response to consumer: Closed with explanation