BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sued from XXXX XXXX hospital for not paying a medical bill. The hospital sent my accounts to a debt collection law office called John E. Lindner Law Offices in XXXX, MD. I received a notification from their office with two options to settle this dispute. One was to appear in court or make payment arrangements to avoid from going to court. In XX/XX/2018 I called and spoke to Mrs. XXXX from John E. Lindner Law Offices in XXXX, MD to receive an update on the balance I owe and it was {$2000.00}. I spoke with Mrs. XXXX about all three accounts in XX/XX/2018 to receive the balance of what I owe again. She told me the total balance for all three accounts are still {$2000.00}. I asked her if I can receive a statement because I believe the amount never moved since XX/XX/2018. She assured me that she would send me a statement in the mail and I never received it. I called her again XX/XX/2018 to settle a dispute because the payments for two of the accounts stop posting to my credit card being that we had an agreement for monthly payments to be charged to my credit card. So we settled a payment plan for both accounts for the next 8 months. I asked her about the balance again and she said it still is {$2000.00} which I find that hard to believe because I made several payments since then. I am not sure what to do at this point since they haven't mailed me a statement and I am not sure if the payments are going only to interest or towards interest and the bill. If it is only going to interest, what are you charging because that it a substantial amount to charge for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is not reporting the proper amount of available credit on my credit report. They are missing credit cards, loans and the length of credit history is also wrong as is the amount of available credit and total number of accounts. I have Two XXXX XXXX cards and only one is being reported on my credit report, I also have loans that are not being reported on my credit report as well. This time I will include proof instead of just typing a complaint as Equifax did not even read my last complaint and you closed the case without my issue being addressed. How this company stays in business is beyond me. They probably run these complaints through E-Oscar looking for key words because whoever responded to my last complaint, did not read it and/or lacks reading comprehension skills. How can XXXX XXXX and XXXX have the correct account information but Equifax have everything wrong??? If I have to sue them in court, I will. Attached is a copy of XXXX XXXX, XXXX and Equifax 's overview of my credit reports. You can see the enormous discrepancy Equifax compared to XXXX XXXX and XXXX. XXXX and XXXX XXXX are reporting correctly as Equifax is not at all, on anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2020-09-24
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a HELOC with Key Bank that closed roughly 90 days ago. They knew I was refinancing my first mortgage at the same time and closed the HELOC in advance anyway. 

I knew I needed to pay them an additional fee when my the refinance of my first closed to cover the cost of the new subordination, but I was okay with the fee at that time being told that was possible. 

I Key the fee roughly 4-5 weeks ago, and my lender is now ignoring me. Key sent me a letter saying they no longer want to be in the business and want me to either cut my availability or pay off the loan. Seriously ; 90 days later. 

My income is substantial and multiples of my loan. My income has not changed, and my first mortgage is refinancing from a 30 to a 15 with over a 1 % reduction in interest as well. I have a top tier interest rate and spend almost 15 years in XXXX XXXX XXXX XXXX  with a top 2 bank. 

Key 's mortgage position is better, and they have now taken a large amount from me initially for the loan plus another subordination fee. Key won't even call my cell back. They are now impacting my potential to maintain a low-interest rate and causing significant potential hardship. 

I have received 1 email from my loan officer she is basically saying she can't help and it's above her. I responded that I am at a minimum entitled to my fees back ( especially my subordination fee which was declined ), and in 2 weeks nothing back from them. 

This is not an acceptable practice, and I truly believe based on my years of industry experience my lender and Key knew the entire time. They all collected their money, the lender was likely paid a fee and I am the one out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Dobberstein Law Firm, LLC
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: Account information incorrect

Complaint:
I received an email from my employer regarding a wage garnishment to take 20 % of my payroll check. The letter was sent from a company by the name of Dobberstein Law. I have no knowledge of this company and have never heard of them. I emailed my payroll and informed them that I am requesting for them to stop the wage assignment as I do not know who this company might be. My payroll is not enough to even pay my current bills let alone be garnished by a company I have no knowledge of. I am submitting this for complaint because I have tried to reach out to this company with no response other then receiving robotic calls. I am asking for this wage assignment to be reviewed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXXXXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, Equifax + XXXX. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXXXXXX XXXX Equifax 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/21 I am having trouble receiving my escrow refund from Specialize Loan Servicing after refinancing my mortgage loan with them. My mortgage loan with Specialized Loan Servicing was paid off in full on XX/XX/21. I am due an escrow refund of {$6500.00} which I have not received. I was told by the escrow department of SLS that a check for this amount was mailed out on XX/XX/21. The check to this day has never arrived. My mailing address has not changed and has been verified. I was told that all they could do is stop payment on the first check and reissue a second check. The second check was apparently mailed out on XX/XX/21. To this day I have not received the second check! I called the escrow department again today and was told all they could do is issue another check which will take a week to mail out. I live in XXXX, XXXX XXXX'm told the check is being mailed from XXXX  The fact that I have not received either check after 2 months makes me question whether they are indeed mailing out these checks! Please look into this matter. I'm very concerned that I will never see my refund. Thank you. 

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 2018-10-17
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: Personal information incorrect

Complaint:
XXXX/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only 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 2023-04-28
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: Their investigation did not fix an error on your report

Complaint:
The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, XXXX + Transunion. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
Transunion 30 Day Marking XXXX XXXX XXXX 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

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 2021-08-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've contacted XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to update me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunions job for them to shield my credit & prove my identity, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureau shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 have been approved for SCRA protection via Capitol One accounts. Capitol One continues to report late payments to credit bureaus affecting my credit worthiness while under the SCRA protection for activated soldiers and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: DISCOVER BANK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On or around XX/XX/2022 consumer, in good faith, entered into a consumer credit transaction with DISCOVER for {$15000.00} for money which are the subject of the transaction are primarily for personal, family, or household purposes. DISCOVER denied consumer stating reasons was due to credit. Based on the Equal Credit Opportunity Act, a consumer can not be discriminated against during any aspect of the transaction. DISCOVER discriminated against me by denying my right to extend credit. Consumer is also aware this is unauthorized use of my credit card per Truth In Lending Act. ON XX/XX/2022 consumer contacted DISCOVER bank in attempt to resolve this and get the credit I applied for extended to me. The supervisor stated they would not reverse their decision. Per DISCOVER 's adverse action letter sent via, DISCOVER specifically has a notice that states The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-10
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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