BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of identity theft since 2019. My credit was frozen for two years. 15 U.S. Code 1681b - Permissible purposes of consumer reports. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I am trying to buy a house and it's defamation to my character and livelihood.

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 2023-10-03
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-24
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Has reached out to me claiming that I owed them {$2600.00} I was incarcerated when this bill was created I have never had any medical assistance at this physician office.

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 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2023 I made a purchase on XXXX using my Capital One card through a third party - XXXX in the amount of {$270.00}. In XXXX if 2023 I returned multiple items from that order to the store. The return amount totaled {$110.00}. On XX/XX/XXXX I received a partial refund of {$31.00}, then another partial refund on XX/XX/XXXX of {$41.00}. I contacted XXXX customer service through chat and phone calls numerous times During the months of XXXX and XXXX to inquire about the remaining refund amount of {$42.00}. I was repeatedly told that it was processing and the time frame varied from agent to agent. Some agents told me 5 days, others 10, and yet others 30. I tried to file a dispute through XXXX but they refused to investigate. I filed a dispute through capital one. Capital one temporarily credited back the full amount of the purchase while they investigated. On XX/XX/XXXX capitaone stated they resolved the dispute and found that upon their investigation the charges were correct and charged my account the full {$270.00}, taking the partial refund issued to me by XXXX. On XX/XX/XXXX I sent a letter to capital one with documentation showing the refund owed to which they replied the next day that I did not provide documentation. Capital one did not investigate the dispute and took the original refund issued to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
called Amerihome last month XXXX and made a payment for XXXX to pay for at least the mortgage. They sent me a check back and reported to the credit bureau that XXXX 30 days late. I called Amerihome Mortgage today, XX/XX/2023 and they ( customer service ) told me they couldnt do an escrow spread because I have a past due balance for XXXX and XXXX and they couldnt do anything until it was paid. Customer service sent me to a loan XXXX, I explained what was going on and his suggestion was to do some financial hardship thing where they take what I owe and tack it on the end of the loan. I really dont want to do that considering XXXX only owe the taxes once because my husband is exempt. The loan XXXX asked if I could pay both XXXX and XXXX mortgage payment, said yes I could, then they said well youre only X amount away from the full amount, is there anyway you could come up with the amount. I explained to the loan XXXX that it wasnt possible. Amerihome Mortgage offers the option to send in a written request to take off any extra payments like taxes, I wrote two separate written requests, one in XXXX and one the beginning of XXXX. The first request was denied because they said I didnt have homeowners insurance, fixed that. Then the second request was denied because I have a past due balance on the account. I expressed to them that I felt like all the systems they have in place to help me, arent helping me. 

The reason I owe back taxes is because when we were doing the paperwork and buying the house the loan XXXX at XXXX XXXX reassured us time and time again about the property taxes and we made sure they understood what we were talking about. Come to find out there was somehow a miscommunication that the loan XXXX admits he messed up on and now we owe back taxes. He was the senior loan XXXX and he admitted he made a mistake and told us theres nothing he can do. 

My husband has filed all necessary paperwork with the exemption and we were trying to get the taxes removed from our mortgage so we could pay it off in smaller chunks. When I call to talk to them its like theyre saying, Im sorry you have a financial hardship that we started, stop being poor and pay us. Because they arent willing to work with us and Ive explained we wont have property taxes ever again. The only reason this is creating a hard ship is because the payment went up almost XXXX dollars more and they refuse to give us a normal payment. 

I appreciate you contacting me and trying to resolve this issue. I am definitely able to talk over the phone about any more questions you may have. 

Amerihome Mortgage is not working with me to pay even just the mortgage payment. The letter for the returned check says as requested but it wasnt.

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: 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:
I called your department after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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

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 2018-04-11
Company: Experian Information Solutions Inc.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
I want to add my voice to the chorus of outrage about Experian, a company who says its dedicated to making your life better. On XXXX XXXX XXXX I applied for a credit report in order to qualify as a co-signer on a loan. It was my understanding from the financial services company XXXX  that it would cost {$1.00} to get the report. I applied for the report online via a link that was provided to me in an email from XXXX. I clicked the link, filled out application form, and received the report. Two months later while reviewing my credit card statements for XX/XX/XXXXand XX/XX/XXXX I noticed charges for {$29.00} from Experian. It took me a while to figure out that Experian had signed me up for a membership of some kind. Tried calling membership cancellation and was on hold for more than an hour. Tried calling every number I could find to talk to a real person at Experian with no luck. Finally I selected Technical support from their automated call system and a nice young man named XXXX cancelled my membership and explained that he was able to refund only one of the charges. This company who says that they want to protect consumers against credit fraud -- needs to examine and revise their business practices. If this is the way they choose to generate revenue, they are at the very least deserving of the kind of reputation of companies like XXXX XXXX for their shoddy and corrupt business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX has an account on my credit report in the amount of XXXXThat is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.

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 2023-11-07
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX at XXXXcst I spoke with customer service representative XXXX who after advising me of repayment options set me up on the Standard Repayment plan and advised my payment would be {$85.00} per month and the due date would be XX/XX/2023. 

One week later I checked my online account and it stated my bill was {$100.00} and due XX/XX/2023. While this info was incorrect, I went ahead and paid the amount. 

One week later I received a letter advising I had been set up on an Income Driven Repayment plan and would now be charged {$180.00} per month. After calling and e-mailing Nelnet SEVERAL times with no answer/ response, I was able to reach Customer Service representative XXXX on XX/XX/2023 at XXXX cst. She put me back on the Standard Repayment plan and advised my bill would be {$93.00} per month going forward. 

I then checked my account a few days later and it showed my new payment amount would be {$140.00}. 

I have called XXXX times, sent XXXX emails, and am as I write this on my XXXX phone call and have been waiting XXXX minutes to talk to someone. 

This whole ordeal has been absolutely atrocious, if any other agency or company acted this way they would no longer have a business. How peoples Federal student loans were put into the hands of this incompetent services is beyond appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: RateGenius Loan Services Inc
State: CA
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 have called, faxed, and mailed in a FTC report in attempt to remove these fraudulent inquiries, but XXXX  will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I XXXX XXXX have notified " Navient XXXX '' of it's potential fraud, inaccurate, and invalid information being reported from their company against me. Once I contacted Navient XXXX with this discovery Navient XXXX retaliated against me and reported 60 days late on my bureau. I have disputed " Navient XXXX '' and these feloniously debts in the past. By law all of these accounts should not be reporting in my credit profile. 

When I noticed this information I investigated and disputed many accounts that were invalid, inaccurate, and flat-out not my accounts, to my understanding these three accounts were included. None the less, they still remain on my credit file. 

I contact Navient Financial XX/XX/XXXX regrading these 3 accounts. I was more than certain I did not, and DO NOT owe, ( yet currently being reported on 3 major reporting Buraus ( XXXX XXXX, XXXX ) as my debt with a 60 day late XX/XX/XXXX ). 

I contacted Navient, the rep was very argumentative and was almost sure there wasn't any harm done against me by this servicer " Navient XXXX. I disagree with all debts, credit reporting information from Navient XXXX in regards to student loans, specially XXXX # XXXX : XXXX {$2600.00} XXXX {$2600.00} XXXX {$2600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$21000.00} XXXX {$21000.00} XXXX {$21000.00} As to date the entire world is battling to survive financially and " Navient XXXX '' reported 60 day late XX/XX/XXXX on my credit files. 

This was clearly retaliation from the phone call I, XXXX XXXX placed to " Navient XXXX '' on XX/XX/XXXX to inform them of the inaccurate & invalid information the company was reporting against my credit. 

Less then 72 hours my credit rating went from a rating of Good to Poor due to " Navient XXXX '' reporting the above debts as 60 day late for the month of XX/XX/XXXX. Due to this retaliation from " Navient Financial '' I have experience financial and personal hardship, I am unable to qualify for any SBA Business Covid Relief or FEMA Winter Storm Loan assistance. 


I state again, do not think I own these debts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PRA did not adhere to the fair credit reporting act and the fdcpa. t pra did not stop collections when i disputed the account within 30 days of communication. They also placed the account on my credit shortly after. I asked for a complete history of the account. They only provided 3 months, this was incorrect so i asked for the complete payment history because they are collecting on the entire account not 3 months of it. This company is a fraud to the consumers. they pay pennies on the dollar and use slippery practices to bypass the law. They are a disgrace. this should have not been on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In a letter dated XX/XX/XXXX Bank of America ( The Servicer for my loan, which is a Countrywide XXXX that XXXX XXXX XXXX XXXX XXXXXXXX owns or is the Trustee for ) wrote : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more that 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. '' In XXXX and XXXX of XXXX I made a total of six months of payments in total to bring my total outstanding number of months down to 17 to qualify for the covid-19 deferral plan that I was told I was eligible for. I was told I was only eligible for 17 months of deferral because I had first applied in XXXX of XXXX for covid-19 relief and not in XXXX of XXXX. 

In XXXX of XXXX I was denied the 17 months of deferral on the grounds that XXXX XXXX XXXX XXXX XXXXXXXX  guidelines did not allow for a deferral in my case.

I was told to apply for a modification. After several months of submitting documents, that often got lost or did not arrive ( all sent by fax because the portal was not working ) to Bank of America I was told that I would be given a three month modification trial period but later told that I did not qualify for a modification because my income was too low. 

Several customer service representatives told me that did not make sense and that I should appeal and also file a complaint with the Ethics Department. On XXXX XXXX XXXX  Bank of America wrote in a letter : " Our records indicate we used the average of XX/XX/XXXX and XX/XX/XXXX rental income to calculate the gross monthly income of {$5200.00}. Please understand that when considering renal income, there is a vacancy factor of XXXX percent and debt services ... '' What does not make sense is that this is my primary residence and I do not rent it. Bank of America has taken the position that my income should be reduced by 75 % on the grounds that it is primarily rental income. If I chose to not take a salary for work that I do on rental properties but instead take the rental income rather than paying myself why is Bank of America allowed to reduce it by 75 %. 

The whole point of modifications is to prevent mortgage foreclosures ( As Senators XXXX and XXXX discussed in their XXXX Bill XXXX XXXX ) but here Bank of America is taking my income and reducing it by 75 percent. They have taken a monthly income of {$15000.00} plus/minus and reduced it to {$5200.00}. Instead of giving me a three month period to show that I can make the payments they are telling me that I can sell the house.

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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2018-08-02
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
While my husband and I were separated in XXXX, he manipulated me into refinancing our home.He abandoned me and we were behind in mortgage payments because he had been having an affair and racked up bills that i didnt even know about at that time.He promised to help with the new mortgage amount ( also promised that he would end the affair and return home but didnt ) even though he knew I couldn't afford to pay it myself because I became XXXX a few yrs earlier.For the refi the home was appraised at {$210000.00} which in no way was true ( was only worth {$140000.00} ) but this is a perfect example of how & why the housing market crashed in XXXX, and how i became under water with the refi loan.So I got stuck paying for a home worth {$210000.00} at 8 % when in reality was only worth $ XXXX.I 've struggled all this time, filing Chapter XXXX to save my home but got behind again due to the fact that my live-in boyfriend also became XXXX.I need a home forgiveness modification or to refinance at a lower rate for the proper amount of the homes worth.We just need a 2nd chance with the appropriate loan for 2 people that are XXXX and receive XXXX XXXX  XXXX benefits monthly.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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