BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
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 fraud alerts or security freezes

Complaint:
Attempting to remove a credit freeze with Experian. Unable to get through to anyone who can help. Website and phone contact gets nowhere. No one answers at any of their published phone numbers. Error message when submitting request online.

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 2019-12-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX AND XXXX IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Follow up Shellpoint replied letter dated on XX/XX/2022. Attached please find the posting date from XXXX XXXX Bank, receipt record, it showed that the fund of {$3000.00} had been deposited to Shellpoint company s bank account. 

Due to the time essential, and I am still waiting for the final re-finance closing date for the payoff from my lender. Since, I have paid off the {$3000.00} for the P/I payment on XX/XX/2022. 

At your convenience, I requested Shellpoint to make the adjustment and extend the final payoff date to end of XX/XX/2022. If they have any concerns, please contact me at XXXX XXXX XXXX my email : XXXX. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.

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 2019-12-25
Company: Innovis
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX AND INNOVIS  IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
The account shows that i was late 40 times XXXX days and 2 times XXXX days. This information is incorrect. The account was charged off few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX IL 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 2022-10-03
Company: EQUIFAX, INC.
State: IL
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:
There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling and requesting XXXX to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXXXX/XX/22 XXXX XX/XX/22 XXXX  hotel and travel XX/XX/22

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 2018-02-19
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.

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 2019-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a issue with capital one buy power card few months about me paying my card off every month and I was charged interest even though I paid my card off every month. At the time I called they dispute the charge because it was there mistake, now it was done again after I paid my card off before the due date. Capital one is stealing money from me and cant even explain the issue on why. Everyone I called did nothing after I was charged for interest for no reason whey card is paid off every before the due date. This is out of control.i was charge {$8.00}, the charge is not the issue, the issue is your stealing form customers after they pay off their debt before the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission

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 2017-08-24
Company: Experian Information Solutions Inc.
State: WA
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 sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XXXX XXXX and the second was XXXX XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.

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 2019-12-25
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Cash aisles online payday loans charge XXXX for XXXX if you make monthly payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

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 2019-11-20
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I just made a payment of XX/XX/2019 now I am still two months behind but I received a letter from Mr Cooper that they will accelerate process of foreclosure if I dont pay the amount is due. I told them I missed a payment due to a scam mortgage company nameXXXX XXXX XXXX  XXXX  that they approved me and payment will be {$920.00} a month and I was so excited and they need {$1500.00} to process paperwork and I sent {$1500.00} to them and that was one of my payment to Mr Cooper now, no contact with this mortgage, there is not working so I made a complaint to Federal Rate Commissioner to try to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS NOT A DUPLICATE they ignored everything I said on my previous complaint. The original contract DOES NOT have my name on any of the pages. which is a major violation under the FCRA. Im making this complaint direct to the original creditor because AD ASTRA say they don't own the debt they just collect on the behalf of Speedy Cash which was confirm by one of the SPEEY CASH employees, that confirm they are the current owners. 

So I repeat the original contract does not have my name on any of the pages, but they claim it was 100 percent accurate, which is false because the name in the contract was " XXXX '' which is not my name, and another name they have is " XXXX '' which is not my name, these are errors on their behalf. SO how is the account is 100 percent accurate nor consistent when they have two names that's not mines.I will upload every page of the contract that has a printed name on it to prove my case. I will attach documents that show the inaccurate & inconsistent errors. 

PLEASE STAY ON SUBJECT TO THIS MATTER OF THESE FCRA VIOLATIONS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I sold my Bitcoins on Coinbase.com to my Coinbase XXXX. Then i started a withdrawal to my private Bank account. I did this several times before. Everytime it worked. But that time it did not work. i started the withdrawal on XXXX. It says the money is on my bank account on XXXX. Still now the withdrawal is pending. But the money is not on my bank account and the money is not on my coinbase account. i wrote several emails. i waited days now. but they dont do anything. 

I already called different managers of my bank in XXXX, but the money did not arrive till now. In my Coinbase account the status of the withdrawal is " pending ''. So Coinbase stole my money and dont answer my Emails. 

Please help me to get MY money back. 

Thank you very much. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX agency has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Joint with Responsibility XX/XX/XXXX Date Opened Reaffirmation of debt. {$17000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$25000.00} Original Balance {$0.00} Highest Balance 80 Months Terms {$13000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

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: 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:
On XX/XX/2021 letters were sent to XXXX XXXX  and Experian explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

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