BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
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: Account status incorrect

Complaint:
I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX Experian, XXXX and XXXX XXXX and continue to do so.

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 2019-09-18
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm having the same problem I've had for the last 8 years with my loan servicers. Originally with Litton loan, who passed me to Ocwen, who has no passed me to PHH mortgage. THEY ALL REFUSE TO EXPLAIN TO ME THE {$72000.00} THAT WAS MYSTERIOUSLY ADDED TO MY MORTGAGE BALANCE. No referred to as a " DEFFERED PRINCIPAL BALANCE ''. Been paying on this house now for 23 years 3 months and should be closed to being paid off ... ..they say I owe $ XXXX on an original $ XXXX balance and all I want is for them to show me how this is possible ... .none of them will not. What I need is for them to either explain it IN DETAIL or remove it as it should be. There is no way possible their numbers can be correct!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every time I ask XXXX XXXX to correct the error on my credit report they add another negative mark to it. 

Why are they doing this at will when ever they want to? This is violation and they should not be able to continually update and unverified account with new negativity activity when every they want to. 

There is are numerous failure to pays that were previously listed as 30, 60, and 90 late. For different years and different months on all 3 credit reports. Changing 30, 60 and 90 day late notations to failure to pays is not correcting an account properly. 

The following failure to pays are current listed on my credit files : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and since I am writing you they will probably place on In XX/XX/XXXX. Please keep an eye out for it and tell them to stop committing violations. 

Can you make XXXX XXXX correct the inadequacies on my credit report or delete this account that is not being reported 100 % correctly? 

I also wrote XXXX, XXXX  and XXXX  in XXXX, XXXX and XXXX and I am still waiting for them to verify, investigate, correct or remove this unverified account that is not being reported with 100 % accuracy. 

I am trying to get a mortgage and this is hindering me from doing that. I can not afford an attorney to take them to court so I am asking you to help me make them do their jobs correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for 1/2 my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX XXXX, Transunion and XXXX  XXXX and continue to do so.

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: MA
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 have not provided proper disclosures or the option to opt out of sharing my information. I have not received any benefits from these transactions. I suspect that my identity has been stolen, and I request that you immediately block, delete, and remove the shared information from my consumer report, as outlined in 18 U.S. Code 1028A. Furthermore, according to section 602 A of the 15 USC 1681, I am entitled to privacy rights. In addition, section 604 A, subsection 2 of the 15 USC 1681 states that a consumer reporting agency can not disclose an account without my written instructions. According to section 1681c ( a ) ( 5 ) of the 15 U.S.C., no consumer reporting agency is allowed to include certain types of adverse information in a consumer report, unless they pertain to records of crimes that occurred more than seven years prior to the report. Finally, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for anyone to provide inaccurate consumer information to a consumer reporting agency if they know or have 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 non-monetary relief
Consumer complaint received 2020-10-03
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
ATTACHED IS A LETTER SHOWING MY REASON FOR A MISSED PAYMENTS AND REQUESTING IF A GOODWILL ADJUSTMENT CAN BE MADE.

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 2019-06-28
Company: Experian Information Solutions Inc.
State: NY
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 disputed through XXXX XXXX  because XXXX   will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX  credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the 2016 XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We were issued a {$250.00} digital american express gift card. The card was loaded via XXXX XXXX to my and my wife 's phones. The card was declined at four different retailers that accept both american express and XXXX XXXX 

The digital card was used in an attempt to pay for goods/services online, through several different retailers. The card was again declined at mulitple retailers, for amounts under the balance of the card. 

American Express has unhelpful. Multiple phone numbers they list simply hang up or are computer assisted only, without customer service representatives. I requested a statement credit on my Amex card we hold with them, declined. I requested a new physical gift card, declined. I was on hold for over two hours, and have not received any indication that we are working towards a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CT
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:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I called Comenity bank and requested to pay my bill in full. I was told the amount and paid with a debit card over the phone. The payment was processed. The next month I received a bill and a late fee. The bill stated that I owed $ XXXX. I called the bank on XXXX, the representative told me that all the charges were removed, except, {$10.00} which I paid. The representative told me twice that the balance was paid and nothing would be owed. On XXXX I received a bill for {$110.00} and another {$41.00} late fee. The bill also shows the payment of {$10.00} made to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: KS
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: EQUIFAX, INC.
State: AZ
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 have sent in letters to Equifax asking to have my consumer report to be verified. I have not received any documentation upon my request. They have XXXX XXXX XX/XX/2022 Amount {$6800.00} and XXXX XX/XX/2022 Amount {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I contacted for debt consolidation I was set up to pay ( x ) amount to take care on my debts with creditors and I paid 38 months of 42 months when I was contacted to pay more money and I said I paid what you asked for and did not pay for 3 accounts so I ask to be refunded for the money taken for this account. I was then asked to do a signature link so they can then be able to continue with the paperwork however I was lied again and when I did the signature invitation was for then to trick me for a settlement of {$180.00} when I paid about {$14000.00} and they only paid about {$1500.00} of accounts refuse to return all money taken for 3 account. More info when I get contacted. Thanks for your help in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted National Credit Systems on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. Company included false charges in debt and are attempting to collect which is an illegal business practice. 
Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have spoken with the National credit systems and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy address shown on report I never live there. Wrong information

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 2020-10-03
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan that is currently being serviced by Loancare LLC. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} ) to initiate the forbearance. The forbearance was denied without explanation. I contacted Loancare LLC, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, Loancare LLC has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all 3 credit reporting agencies ( XXXX XXXX and XXXX  ) and continue to do so.

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 2022-09-16
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund of student loan payments per CARES Act. Aidvantage indicated that the timeline for a ( direct deposit ) refund of {$3300.00} would be 8 weeks. There has yet to be any documentation providing the status of the refund or that a refund is being processed. The extreme timeline for a refund, paired with the XXXX tracking or visibility is unreasonable. Also, two loans still show balances, but have actually been discharged through Borrower 's Defense as per the studentaid.gov website.

Company response to consumer: Closed with explanation