BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I wanted to check my Experian account for any new updates pertaining my fico 8 score. I was able to login into my Experian account but bumped into a issue. I was taken to a page to that wanted my personal credit card information. After loging out of the Experian website, I checked my credit card and was charged {$24.00} and can't even login to get to my fico 8 score. I called Experian an talked to a customer service representative by name of XXXX. XXXX informed me that the issue would be resolved in less than 30 minutes. After checking my Experian account after 30 minutes I was still urged to pay another fee of {$24.00}. this issue has caused great harm to my financial stability in pursuing home ownership in the near future.

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 2019-08-07
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: Credit inquiries on your report that you don't recognize

Complaint:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off 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 2023-02-10
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were paying 1 month behind and Nationstar reversed our payment for XXXX ( XXXX ). At that point our account was 60 days past due. I contacted XXXX at Nationstar to inquire why the payment was reversed and was told the account was too past due, and that a demand letter had been sent. XXXX told me at this point I can't just make my monthly payment of {$1700.00}, and my only choices are to pay {$5400.00} or apply for loan assistance. I applied and a acceptance letter was generated with repayment amount that far exceeded the past due amount, late charges, and fees. I had a representative for XXXX XXXX conference call my lender to discuss the teams of the forbearance or assistance. We spoke with XXXX who stated the issues we had with the terms would be escalated to a manger and reviewed. I was told that since my application was accepted before it would be accepted after the terms have been reviewed. My 3rd party representative reached out to Nationstar on XXXX and was told the forbearance is still under review. I also check my online account regularly and it showed forbearance is in review process and 1st payment of repayment would be due XXXX. Today XXXX My 3rd party representative conta ted me stating she could not reach XXXX, but the Nation star rep she spoke to said everything had been denied. And the forbearance that was approved is now denied. And that My home is in foreclosure. My online account will still not allow me to make a payment. And when I call in the rep all gi e different information. I have not received proper servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Can a debt collection report something to XXXX of the credit bureau 's before XXXX months after it become ( delinquent ). I had to move from my housing complex and I did not get in touch with my ex landlord for XXXX months after I moved. It was not my intention not to settle this matter at all, and I do n't fell that it was wright for a collection agency to report it to the credit bureau because when they called me I did not agree to settle it with them. I told them that I would contact the creditor to make a payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: OH
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I submitted a dispute request to Transunion on XX/XX/XXXX so they could investigate an account listed on my credit report by the name of XXXX XXXX. With the account number attached to it as being XXXX. Transunion did not do as requested and now they are claiming that their agency. Has verified this account as being accurate but their investigation results was wrong. There is still inaccurate information being reported listed under this account. The date of last payment being reported was on XX/XX/XXXX but in fact the payment history on that very same date displays a 60 day late rating. And the day that this account was closed is also listed incorrectly as well. So how can this data be 100 % accurate and verifiable but the information is listed incorrectly? Transunion has been given several chances to correct these inaccuracies and now they are violating my consumer rights under the Fair Credit Reporting Act.

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 2023-10-17
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices. 

On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue. 
- 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken. 

Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment. 

Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX  the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called XXXX saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by 3 credit bureaus that this is now on my report. As of 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 explanation
Consumer complaint received 2018-08-17
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I signed a loan agreement with XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. They were going to get my loan paid off through XXXX within a number of days, definitely by the end of XX/XX/XXXX reportedly and then I would start owing money to Mohela, their loan financer. However, I got a notification that money was still being deducted for my XXXX loan in XX/XX/XXXX and when I checked my account, the loan had not been paid off. I contacted Mohela and XXXX and they said that it looks like the loan had not been paid off and they were going to look in to it and get back to me. When I had not heard back for several weeks, I contacted them again at the end of XX/XX/XXXX and they said they were going to put my loan through Mohela into administrative forbearance. I then got a notification on XX/XX/XXXX that said the forbearance had started and ended on XX/XX/XXXX and that I was still accruing interest through Mohela ( as well as through XXXX ). 

I have reported this to the company XXXX again today and they said they are still trying to figure out what is going on the loan repayment through XXXX. This has been going on for almost two months at this point, I am concerned I am being scammed and that I have now signed paperwork for a loan that does not exist, but that I am being charged interest on. The company has been very poorly communicative, and I have had to follow up multiple times to get answers, which no one has been able to provide.

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 monetary relief
Consumer complaint received 2015-07-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Bank of America credit card. Upon receiving the credit card in XX/XX/2018 I set up automatic bill pay on my account. The options for automatic bill pay are to pay : 1 ) Minimum amount due as indicated on e-Bill ; 2 ) Amount due as shown on e-Bill ; 3 ) Statement balance as shown on e-Bill ; or 4 ) a set dollar amount. I selected # 2 " Always pay amount due as shown on e-Bill.

However, Bank of America did not accurately implement the automatic bill pay in accordance with my selection. Instead of making automatic payments in the " amount due as shown on e-Bill '', Bank of America consistently made the payment option # 1 " Minimum amount due as indicated on e-Bill '' and subsequently charged interest on my account for the remaining balance. 

I spoke to a Bank of America customer service representative on XX/XX/2018 on a call to the customer support line which began at XXXX Pacific Time and lasted for 30 min. On that the call, the customer service representative confirmed that I had indeed selected automatic bill pay option # 2 " Always pay amount due as shown on e-bill '' and confirmed that Bank of America had instead implemented option # 1 " minimum amount due '' and that this had indeed resulted in interest fees accrued on my account. 

I requested that the interest fees be refunded to me given that Bank of America had not in fact implemented my automatic bill pay selection and I was denied such refund.

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 monetary relief
Consumer complaint received 2022-12-01
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Comenity is not reporting to any of the credit bureaus since XXXX for a lot of people. After looking up this issue online- they are either giving people a blanketed this is a system update response or, after being escalated and pushed, they give in and update the persons records. After sending them a message saying that I would like for them to update my payment records, they only gave me the blanketed response with no sign of a solution. My balance for this card has dropped drastically and I would like for that to be reflected correctly. Ive also seen in online forums that this bank, as a retaliatory response, decreases the credit limit for people who complain. Not sure if that part is true, but its a worthwhile mention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The reason for my message is I filed a dispute for two unauthorized inquiries that were seen on Transunion. One was " XXXXXXXX XXXX XXXX  XX/XX/2022 '' and the second was " XXXX XXXX XX/XX/2022 ''. I filed a police report, dispute letter, and printed out my driver license plus social security for these inquiries to be removed from my credit report because they are unauthorized. Transunion refuses to remove these two inquiries even though they were unauthorized by me. I know my rights and law. 15 U.S. Code 1679c. There is a Consumer Credit File Rights Under State and Federal Law. I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

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 2016-08-08
Company: DISCOVER BANK
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.

Company response to consumer: Closed with monetary relief