BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: Loan Science, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While nearly all of my other private lenders allowed for a 3 to 6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, LOAN SCIENCE has refused to assist me during this exorbitantly difficult time due to a technicality of the disaster being listed as " NATIONAL EMERGENCY '' as opposed to Disaster ; and, they have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Executive Office in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and speaking at length with a LOAN SCIENCE  Manager via  phone several times to attempt to resolve this matter either with an honored forbearance or significantly lower payment options during this tim e . LOAN SCIENCE
has caused me extreme mental and emotional distress during this very difficult time after  experiencing a natural disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with LOAN SCIENCE  's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time, in the form of an Administrative or Natural Disaster Forbearance as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ACIMA CREDIT, LLC
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cima digital FKA simp XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: SC
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:
I contacted Experian several times before contacting you inquiring about this error and I was hung up on, transferred, and given the wrong information before contacting you. My credit score is showing XXXX on their website and I had a negative account removed which was not suppose to be there so the company took care of it and I was notified by Experian that my credit score increased by 2 points or XX/XX/XXXX, then XX/XX/XXXX it was suppose to increase by 4 points, then XX/XX/XXXX it went from poor to fair and increased again on XX/XX/XXXX by 1 point but my score is still showing XXXX and poor with no change and this is unacceptable. I really need assistance and I have documentation.

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 2020-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting an incorrect current balance of {$230000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original loan amount was {$180000.00}. Also, Equifax is reporting pay status as ( 120 ) days late. I have NEVER been late on this loan. I have attached a copy of the Loan Modification Agreement for reference. This incorrect reporting of the wrong balance as well as lates is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I initially applied to Equifax in XXXX to have a credit freeze placed on my credit file. In XXXX I requested and was given a replacement PIN for the freeze. In XXXX of XXXX I applied for a car loan but they couldn't access my credit file because of the freeze. I decided to have the freeze removed but could not immediately access my records with the PIN number needed to lift the freeze so I financed the car privately. 
Today I called Equifax, with documentation in hand, including the PIN, to request the freeze be lifted. Although I have a letter from Equifax dated XX/XX/XXXX which provides the replacement PIN and which references the original credit freeze date of XX/XX/XXXX, today XX/XX/XXXX Equifax tells me I have no credit freeze on my account. In my conversations with Equifax agents " XXXX '' and her supervisor " XXXX '' I was told I have no credit freeze, I never had a credit freeze, I did have a credit freeze, they don't know how or why the freeze was removed, the reason the car dealership couldn't access my credit must be a problem on the dealership 's end, Equifax no longer uses the PIN system and that is why they can't access any record of the freeze. They also refused to send verification that there is currently no freeze on my file. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JMAC LENDING INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The date of signing our loan through XXXX  XXXX, we felt rushed and the loan amount and extra cost we were told we needed to pay were not what we had talked about. My wife and I did not sign the documents. We declined the loan. We went with a new company the following week. 
Two months later we received a denial letter from JMAC Lending, the company we cancelled with. The letter stated we had Inadequate Collateral and Insufficient Data-Property. We have plenty of Equity in our home {$450000.00} ( {$870000.00} plus ). We recently had a home sell for {$900000.00}, a smaller version. Our credit scores dropped 35 points for the each of us after this letter went out. We are very  upset how this company JMAC can spread false information when we decided not to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
TRANS UNION LLC FALSELY TOLD THE CFPB THAT THEY WOULD CONTACT THE DATA FURNISHER AND PROVIDE A INVESTIGATION ON WHY THEY SHARED MY INFORMATION WITH AN UNKNOWN OUTSIDE SOURCE ABOUT A PUBLIC RECORD APPEARING ON MY CREDIT REPORT, THEIR STATEMENT CAN BE FOUND ON COMPLAINT XXXX ONXX/XX/2021. THE PROBLEM IS THEY NEVER CONFIRMED THE DATA FURNISHER AND NEVER COMPLETED A INVESTIGATION, UPON A STATEMENT BY PHONE FROM THE COURT CLERK OF RECORD, THE COURTS DID NOT VERIFY OR REPORT ANY INFORMATION TO TRANS-UNION OR ANY OTHER CREDIT REPORTING AGENCY ABOUT MY CREDIT REPORT, THIS INFORMATION MUST BE DELETED, BECAUSE THE CREDIT REPORTING REQUIREMENTS DO NOT COMPLY WITH THE FCRA 611 ( 15 U.S.C. 1681I ) PLEASE REMOVE!! OR BE SUBJECT TO CIVIL PENALTIES!

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 2023-11-09
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When attempting to close my account due to avoid credit reporting Affirm stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and Affirm reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment Affirm would remove it from my credit report. I caught up with my payment and Affirm did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. Affirm falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXXXXXX 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 2023-08-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times due to XXXX violating METRO 2 COMPLIANCE I have also paid the account balance but XXXX  still refuses to delete the closed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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 2023-07-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX by Goldman Sachs froze my account about 14 days ago after I tried to move money to XXXX XXXX. Both my Wife and I have called them about six times and can't get the issue resolved. 

They say that we need to prove that we are the account holders and we need to get a form notarized. They only send the form vis XXXX. We have requested the form twice. The first time we requested the form was about 10 days ago. 

My Wife and I both have given our name, address, phone number, DOB, last four of our SSN, and our secret word. They still will not unlock our online account, tell us why our account was locked, or make the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The paused my payment again just got their it straight made one payment XX/XX/2020 and submitted XX/XX/2020 put pause it ... '' our records show that you are to sen mortgage payments to Trustee '' Ms XXXX XXXX  Phh .owcen ... 
I said I have nothing to this " Call your BK Attorney I said you took my payment XX/XX/2020 once you all straight out it ... 
well XXXX XXXX just yesterday put over XXXX loan in forebearnce didn't even contact borrowers.. 
due to our present financial position they just wont let you continue without drama

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX XXXXDebt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector XXXX XXXX XXXX XXXX XXXX  -collection amount {$2600.00}

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