BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: GA
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 reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX  XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2019-09-01
Company: GREAT LAKES
State: IL
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:
On XX/XX/2019, Great Lakes Servicing applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. Great Lakes notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with XXXX. ( See attached ). XXXX completed its investigation on XX/XX/2019 and states that Great Lakes verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from Great Lakes and live online access to my Great Lakes account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Navient Solutions, LLC.
State: GA
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:
My student loans with Navient were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is my NUMEROUS complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on 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 2017-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt from Bank of America that was sent to collections for the amount {$3400.00}. I previously set up a payment plan with them where they were withdrawing {$20.00} a week from a previous Bank of America Checking account. Then they ended up closing my bank of America checking account without providing reason. The debt was then sent to collections. Upon trying to validate the debt directly they were not able to send me any information. Upon multiple attempts to contact them for previous bank statements on XX/XX/2023 and on XX/XX/2023 and several days later I received a statement stating that my balance was {$0.00} and no last made payments. 

This same situation happened with another Credit card debt that was sent to collections for the amount of {$5800.00}. I set up a payment plan to make payments of {$50.00} a week from that same checking account which was later closed. 

These accounts were both paid it should be removed from reporting as a debt and from reporting on my 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 2022-01-15
Company: Experian Information Solutions Inc.
State: NJ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my first CFPB Complaint to inform you that the unverified items listed below still remain on my credit report in violation of Federal Law. The three Credit Bureuas failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account that result from alleged Identity Theft. This is the inaccurate account that I want you to assist me to correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}.

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 2017-03-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.

Company response to consumer: Closed
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX  is a fraudulent account i would like to have it deleted i have already provided the FTC report with my last complaint i will provide this time information to help find my credit report file, so that this collections can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2023-09-05
Company: KEYCORP
State: NY
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:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
USAA has deliberately reported inaccurate information to the credit bureaus under my name. 
They refuse to follow their own policy, a policy they drafted, which i had no say in, otherwise known as a " contract of Adhesion '' USAA has allowed a charge from XXXX applied to my card which I never authorized and have no idea how XXXX obtained the information. 
Around XX/XX/XXXX I report my card lost/stolen USAA closed the account and issued me a new card with a new account number. 
VERY IMPORTANT : once I received my new card, I placed it into my safe and never used it. 
However, strangely a charge from XXXX for {$510.00} appeared. I immediately contacted USAA, they informed me this was a recurring charge which USAA took upon themselves to allow XXXX to charge me. They did this without my permission or authorization. 
I have had numerous conversations with USAA since. They have refused to remove the charge from my balance and reported the balance with this DISPUTED charge too the credit bureaus 2 months in a row now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called for a payoff amount on XXXX23. 
They emailed me a payoff amount of {$170.00}. 
I call on XX/XX/23 to check on my payment because they closed my online account. 
They said it was applied to a suspense account because they didn't know what it was for. They asked me to call back in another few days. 
I called on XX/XX/23 the said I have {$4500.00} in Escrow and that they will send me a check in XXXX weeks. 
Every time I call I am on hold for over XXXX minutes. I afraid that this bank is unlawfully holding my escrow money. 
I received another bill from PRMI dated XX/XX/23 for {$820.00} for the {$17000.00} I already paid plus {$640.00} for escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 explanation
Consumer complaint received 2023-10-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to formally complain about an ongoing issue I am facing with IC Systems, a collections agency, and XXXX, one of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. Spectrum assured me this would be removed from IC Systems hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that IC Systems continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX. I submitted a dispute through the XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Paid the balance of my account and asked for an Updated Balance Letter to be sent to me and was informed that they could fax it to me. Have reached out to them for 2 weeks now and havent received the letter. Have been told various stories, to include that it takes 1 to 2 business days, and 5 to 7 business days yet no resolution. Customer service keep saying they have emailed whoever and yet no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CashMax LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan for {$800.00} at a ridiculously high interest rate of 647 %. My bad, but it was the only option I had at the time. I needed money fast and planned on paying off the loan very quickly. 

I have screen prints of my payments, and on XX/XX/2021, I thought I was making my last payment. I had my regular payment of {$230.00} come out that day. The webpage said as of that payment ( on that day ), mu balance was {$400.00}. I went online and paid that exact amount. It even said my balance was XXXX, and I was happy Inever had to deal with one of these shady lenders again. Now today ( XX/XX/2021 ), I have a mysterious {$100.00} unknowingly taken out of my account from Boost finance. I called them up and asked what that was for ... .They tell me it was to pay my loan off ... .never really explained what the remaining money was for. They tried telling me that the payment I made of {$400.00} was not the last payment and I still owed them {$100.00}. If I really did owe them that, they should have spelled it out for me clearly, because at that interest rate, I would have paid it off when I had the money 2 weeks ago. 

I sent them a screen shot and they then tell me they are calling me back. They call back and tell me that their IT department made a mistake!! It is always the IT department making the mistake in the end, isn't it? lol. They said I still really owe them that money ( I have not figured out if I actually did or not because I was furious with what was happening ... i do know I paid them {$370.00} in interest in 40 days on an {$800.00} loan, and that should be illiegal in itself, but I signed up for it ) ... .They then say they are going to refund me the {$100.00}, but it will not get back to me until the XXXX because that is when it posts ... This is now XXXX-5 days that they unknowingly took my money, and I now have unsufficient funds fees from my bank ( 2 of them for {$34.00} ) and I am not able to cover 2 bills, which is going to get me in trouble. 

I have also been getting offers since the second I paid that money off that they want to give me another loan ... because that one was paid ....

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 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.

Company response to consumer: Closed with explanation