BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-19
Company: EQUIFAX, INC.
State: WV
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:
Equifax will not remove a medical debt that is under {$500.00} from my report. XXXX and XXXX have already completed this request without issue. I have sent another request for this to be removed from Equifax again. First dispute was sent on XXXX XXXX, 2023 and another dispute was sent on XXXX XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a formal request to extend my Covid forbearance as Im still impacted. When I call to speak with a representative Im not given any information, and instead, told I need to speak with the Bankruptcy department, who does not provide answers. If you are unable to extend my forbearance, please advise why. Also, if you can not extend it, can you please ask the investor for an exception, so that they can determine if it can be extended? If Im ultimately decline and you can not extend it, please indicate what my options are. I do not want to lose the home, as I am living in the home, and XXXX. XXXX today Of Loancare tried to push the button to give me the extension stated that it shouldve went through but it routed me to the bankruptcy department he did not understand why he tried to put me through I was on hold for 35 minutes no one picked up but he said I did qualify, I explained to him I received an email and I tried to click it on and it did not let me do it. Different answers.

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 2021-03-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
-We applied for our refinance XX/XX/2021 and was assigned Loan officer Ms. XXXX and processor Mr. XXXX . We had questions concerning what we would qualify for and asked for the guidance of the loan officer. It was not until a month later after calling and emailing Navy Fed repeatedly that we were directed to submit a different application for our refinance XX/XX/2021. 
-We were given a new loan officer Ms. XXXX and processor Ms. XXXX XX/XX/2021 to resubmit all paperwork and ink signatures for processing. We completed the paperwork within 72 hrs and submitted again to Navy Federal.

-We were given conditional approval XX/XX/2021 -XXXX XXXX, XXXX I was contacted by the Navy Fed appraisal division to schedule the appraisal. The lady who called, XXXX XXXX, asked for my password to log into my Navy Federal account at which point I halted further conversation and asked her to verify her identity. I had to call Navy Federal and check her credentials because I knew it was not protocol to have to gave out your password to any employee over the phone. The Navy Federal customer service rep I spoke with verified she worked with Navy Fed and emailed her supervisor to notify them of what happened and also directed me to work with my loan processor to schedule the home appraisal. I notified our loan processor to move forward with the appraisal that same day. I heard nothing back for two weeks so I called XX/XX/2021. The appraisal was not scheduled. I requested and paid XX/XX/2021 for the appraisal to be processed. Two additional weeks have passed and I still havent been contacted for the appraisal date. 
-I already submitted paperwork via homesquad for review for all work verification, tax info etc. everything requested we sent in a timely manner. 
-My husband now has military orders to XXXX in XX/XX/XXXXand we were just notified that our refinance request has been passed to another team for processing! 

There have been too many hands on this request and it is still nowhere near completion. This is beyond absurd and no way to do business thinking youll have repeat customers. Never again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: MD
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:
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.
I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX  when my loans were actually due each year for renewal of deferment etc.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 2020-03-21
Company: Medical Data Systems, Inc.
State: NC
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 have previously submitted a complaint under XXXX explaining that Medical Data Systems has repeatedly dropped themselves from my credit report only to reinsert themselves within a 30 day window impacting my credit. I have indicated that these are re-aged as they are being reinserted because it is impacting my credit score every time it is reinserted. This year I was able to catch these trade-lines as they were deleted form my report and took the opportunity to inform your agency that I was expecting these to be yet re-inserted again. Well, that is exactly what they have done since my last complaint to you. I have shown you where Medical Data Systems were on my report, removed and now attaching where they have since re-inserted al four trade-ins just as I predicted. By next month, one my scores have loaded to my subscription my score will have dropped. I have already explained that I was expecting them to do this again and they have. They have sent me a written reply expeditiously and closed this case acknowledging removal of four trade-lines names in CFPB complaint # XXXX. They made me aware that they had a fifth   account that apparently was not reporting to the credit bureau and wanted me to know that it will be inserted to the credit bureau. They did not do that. They reinserted the same four tradelines again.I have attached my credit report showing them on there in one month, removed in XXXX and added all over again in XXXX. Someone has to be able to do something about having them blocked form report, They cant keep doing this. It has been repetitive, and they have further argued my claim of repetitive re-aging, they have re-inserted them with the original dates. I need them blocked from being able to report or give these to another one else to report, It goes against Fair Credit Reporting Act. I plan to reintroduce this claim to every agency governing the Fair Credit Reporting Act. 


All four accounts are as named : # XXXX # XXXX # XXXX # XXXX ( the fifth   account names in their letter dated and stated as attached,

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 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: Earnest Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to refinance it from a loan that I had from XXXX and XXXX XXXX into one loan now under earnest. Initially, the monthly cost of my student loan payments took up more than 50 % of my monthly income. I struggled for months to pay both rent, to get food, and pay off my student loan. The student loan bill is the largest out of all of these. I was never able to find a job with my XXXX XXXX XXXX  that pays a comparable salary to what it cost to get the degree. I would have never gone to school for this degree if I knew that the job market had no jobs that would compensate me for my specific education. Now every single month, even since refinancing with Earnest I barely get by. Now I am about to have a baby and I have no idea what I am going to do in order to feed my family, this loan takes up an unreasonable amount of my income and they are not willing to work with me on lowering the payment without me being in debt for the rest of my life. Please, I need help. If something else doesn't happen soon I fear for my family. I worry I am going to have to raise a child homeless and couch surfing because of the unreasonable price of my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial out of XXXX, PA. Reported on my credit a new account as of XX/XX/XXXX. They would not give me a date of first deliquent stating they received the file in XXXX. I have tried to talk to them about it since they call up to 3 times a day but they would not send me any information on when the debt first occurred. The debt is a medical debt that was paid back in XXXX. A remainder remained on the account but when I moved the debt transferred to a collection agency because they were unable to contact me and from there I have no clue what happened. But given that the statue of limitation in Texas is 4 years and in Tennessee is 6 years the debt is well past those limitations. This debt needs to be deleted ( not settled or closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
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:
XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX,  XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from Equifax, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XXXX, XXXX I Deposited XXXX Checks on my Capital One XXXX XXXX Account. Those checks I got from XXXX XXXX XXXX XXXX XXXX due after XXXX of a Certificate of Error on my property. It is my XXXX XXXX for tax year XXXX, XXXX, XXXX which on i was applying at www.cookcountytreasurer.com on beginning of this year and got approved. Check are amounts XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX and XXXX  for XXXX XXXX. After that bank restricted my account. I was contacting bank by the phone to verify my identity and deposits that i made. After our conversation bank says that he ( bank ) can not verify those checks and decided to close my account! I was in shock! Official checks from the XXXX XXXX XXXX  and they can not verify them after even i gave them all information and evidence of my property and persona! I've been told that i will got my funds back in XXXX business days, but after more than XXXX month Im still waiting for my check from the bank ( checks were deposited successfully ). Please, help me to return my money from this bank. I was trying to contact the bank after this but they block my number and redirected me to voicemail, but don't receive a call back never. Is it Legal to do so??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Credit Karma, 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 information incorrect

Complaint:
Ok what the actual complaint is that I had XXXX XXXX score for the last year or so and XXXX XXXX  but recently it has changed to XXXX almost a hundred points I have been making payments iv only added XXXX dollars to a XXXX account but nothing else has changed. And only 3 inquiries in a year 2 of those have been approved this is according to credit karma they have no answer for the almost 100 point drop being that they are connected to my credit score I feel something isnt correct or someone has hacked my credit? If they can get my personal information with my ssn and tell thats the information given then something illegal is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied to extend my credit with Bank Of America and I applied for a credit card in which I was denied credit. I reached out to Bank Of America and let them know this is in fact discrimination. The consumer law does not state who is credit worthy or not, I am credit worthy and this denial put me and my XXXX year old daughter through mental and physical distress. Due to not being approved for said credit card this is now in fact fraud because I exercised my right to credit but was denied. I applied in good faith but received no benefit. I also took a look at my consumer report and seen that there was indeed a hard inquiry which hurts my consumer report as well. I'm aware that I have the right to privacy and with Bank Of America I was not only denied credit but I was also denied privacy in which I never gave Bank Of America permission to report to my consumer 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 2023-03-10
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing continues to increase my mortgage every year by using the excuse that my taxes and insurance are causing an escrow shortage. I in turn have purposely paid extra mortgage payments which means extra escrow payments so that my escrow account is not short this year. I was told that I STILL had a shortage this year of {$1200.00} which I paid on XX/XX/23 and now the NEW ESCROW ANALYSIS shows I have a SURPLUS of approximately {$64.00} but my mortgage payment has INCREASED by the AMOUNT OF THE SHORTAGE. This makes absolutely no sense at all. 

I have paid extra during the year AND the shortage amount and now they have increased my payment by the SURPLUS AMOUNT. 

I want this corrected immediately and I want this company to stop scamming me so that I have to make increased mortgage payments. My mortgage was {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: ND
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:
Equifax is in violating of the law. Equifax is committing identity theft, they do not have my consent to report the accounts and addresses below. 

Equifax is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding a deletion of the unauthorized accounts and addresses listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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