BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I received a letter and related information about protecting myself against identity theft from a " Lakeview Loan Servicing , LLC '' on about XX/XX/XXXX. Lakeview claimed that it " currently or previously owned the servicing rights to a mortgage loan '' I have or had whereby it " used a third party to provide servicing. '' Lakeview informed that sometime between XX/XX/XXXX and XX/XX/XXXX an " unauthorized person '' had obtained access to its files on file storage servers and may have obtained my name, Social Security number and possibly drivers license, financial account information and/or other information provided in connection with a loan application or loan servicing. 

Lakeview asserted that it had engaged " XXXX, a third party with monitoring expertise, to provide identity monitoring services at no cost '' to me for one year with services including " Credit Monitoring , Fraud Consultation and Identity Theft Restoration. '' It provided an internet address for " krollmonitoring.com ''. 
The only servicer I have and have had since refinancing my mortgage in XXXX is XXXX XXXX, XXXX. with which I communicate only through the US mail. XXXX is not even mentioned and I've never heard from XXXX about this breach of data or threat to theft of my identity. I think this is a " phishing scam '' which should be stopped and shut down.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
A {$24.00} charge from Experian was ran on my debit card ( XX/XX/XXXX ) that I had with XXXX XXXX XXXX  in XXXX XXXXXXXX. I went in to the bank on XX/XX/XXXX and requested to file a claim on the charge as I did not authorize it. They told me they would cancel the card and issue a new one. I requested a refund at the time, and have called the bank several times since and have not gotten a response. I get transferred to different departments and asked to leave messages for employees that do not return the calls. If I authorized the charges they should at least show me proof of it. On XX/XX/XXXX I was charged again {$24.00} on the new card that the same institution issued after I had made them aware to not allow any other charges from Experian.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XX/XX/XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
Requested companies how did get info. did not request not aware of inquiry.

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 2023-11-20
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company continually texts me.. daily.. even after I have asked for them to stop. I have responded and asked them to verify the debt.. they have not. I have never had an account with XXXX and they continually text me, call me etc trying to collect. I have blocked numbers only to be contacted through a new number. It is endless and it is annoying. It interrupts my work day and I just want it to end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Mr. Cooper Group Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to Nationstar Dba Mrcoo XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nationstars customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Spring Equity LLC
State: TX
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:
My credit was pulled on XX/XX/2022 by XXXX XXXX with XXXX XXXX without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.

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 2022-06-28
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a debt collection letter I got " Creditors Discount & Audit CO., INC. '' for a medical bill I have already been paying on and have very little left to pay at this time. When I called to get information and dispute it, I was given very vague information that I need to provide proof of payment, which I need much more information for, but before I got to getting specifics I had also commented that I am not comfortable that I was sent a very detailed itemized list of medical information from this collections agency, which if it is in fact mine seems to be a huge breach of my privacy. The person I was speaking to seemed to get pretty angry at this concern and told me it doesn't tell them any specifics, but I assured her that this is a very detailed list of medical information I am currently looking at right now, to which she replied she was " done with this conversation '' and immediately hung up on me. How am I supposed to go about disputing this bill collection or handle it in any way if I am being attacked on the phone by these people that need to help resolve this? I am always calm and collected never raising my voice yet this person immediately flew off the handle on me at the very first bit of pushback on the claim.

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 2022-06-28
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Error on closing. VA cost benefit credit of {$2000.00} not given to veteran directly, Due to Agengy limits of cash back overpayment was applied to mortgage. Veteran was not given the option to receive the overpayment. Attorney /Title company representative did not reveal dual agency and made the decision to apply the {$2000.00} to my account on XX/XX/2022. I received the revised Closing Diclosure on XX/XX/2022. I closed on XX/XX/2022.

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: Account status incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
I believe I am a victim of identity theft, and I did not consent these credit inquiries.

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 2022-06-07
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, The representative I spoke with stated that after payment was made to rectify the account, the account would be removed from the 3 credit bureaus that it is being reported to. Now I've started the mortgage process to secure a home for my family and this negative account is still showing on my credit reports. My process is now at a standstill until I can get this matter rectified. Please honor our original agreement and send a request to the credit bureaus to delete this account from my credit reports, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NV
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 # XXXX XXXX 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. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written 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 explanation
Consumer complaint received 2022-06-28
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account was paid off and I was told it would be deleted. After payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a Sony Visa credit card for years. Comenity Bank is the current holder of my account ( since it's been sold at least 3 times now because I always pay the balance in full and nobody makes any money from me ), and it now sounds like Bread Financial has either taken over my account, or has purchased Comenity Bank. In any case, I tried to make a purchase on XXXX, like I've done hundreds of times, but XXXX said the purchase was declined. When I go to the Comenity web site, there is a banner across the top of the page stating " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I attempt to log in to my account, I get an error stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried calling the phone number on the back of my credit card, and there's only a recording with a similar message telling me to call back later. I tried researching this problem online and it sounds like Comenity customers have been having these issues since XXXX XXXX, 2022 ( 5 days now ). 

At this point, I can't use my credit card and I have no idea when/if I will be able to use it again.

Company response to consumer: Closed with explanation