BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'VE ASKED FEW TIMES TO GET MY CREDIT REPORT AND WAS NOT SENT IT BY EXPERIAN. also, the alleged debt of nearly {$50000.00} on my account is improper, illegal and should not be there, and must be removed ASAP. Please remove it, from " XXXX '' or " XXXX XXXX XXXX '' - I am current on my account 100 %.

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 2021-12-18
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:
On XX/XX/2021 I received XXXX letters from Equifax that stated in them 'As a result of a dispute you submitted the account listed below was removed from your Equifax XXXX file. The company that furnished the account information recently requested to have the account information reinserted on your Equifax credit file and submitted a ceritifcation ... '. For these XXXX companies and now it is XXXX on the exact same date ( the XXXX was cutup by mistake by the USPS Office and they sent later a copy of the same letter as well for a fourth company ). I disputed the fact the company furnished the account information, as it would be impossible for all XXXX companies to inform Equifax on that same date and ONLY Equifax PLUS they were all under a CEASE and DESIST Order which this would have violated those multiple orders with the XXXX XXXX This summarily verifies EQUIFAX has a software error or a human error that caused these XXXX credit file items to erroreously re-appear on my credit file after having spent months having them removed. I asked for the PROOF that 'the company ' requested to the the information reinserted and received absolutely no reply except the fact that scores change downward or upward based on many factors. This rhertic does not constitute the truth nor even an attempt to perform any due diligence on what actually occurred. I am attaching some of the infomration that can be used in a discovery mode in order to immediately correct this client 's credit file with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TD BANK US HOLDING COMPANY
State: NV
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 violation of the Heroes Act - late payments were reported during the pandemic from XX/XX/XXXX through XX/XX/XXXX and account charged off XX/XX/XXXX. 
See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: IA
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:
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and Equifax. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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 information incorrect

Complaint:
I paid off my auto loan with XXXX XXXX XXXX in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from XXXX. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my Equifax and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I was on XXXX XXXX orders and did a military deferral of my payments. During that time someone in the company coded the deferral as a covid deferral meaning at the end they expected me to pay back those months or refinance my mortgage. I fought and told them it was for the military. They asked me to submit paperwork which I did, and then they asked me to fill out their deferral paperwork showing my paystubs and other information. I sent them all the required documents multiple times. After every time I send the documents, they wait until the documents " expire '' then call me saying they haven't received them, or they finally found them but the dates are wrong. It's been two years of fighting with this company who has been bought out by servbank. I am selling the house and looking to buy another but servebank is reporting my payments 90 days late, even though I've been making my payments on time every month since the deferral expired two years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Certified mail : XXXX has been stuck in transit since XX/XX/2023. This CM is demand for removal of invalidated alleged debt account numbers : XXXX XX/XX/2023 XXXX responded with contact person XXXX XXXX XXXX operations manager to CFPB compliant XXXX. The company will be stopping inaccurate reporting to all three credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX  XXXX XXXX XXXX XXXX  of Jail Inmates. 

If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. 


Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. 

I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. 

Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. 

Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. 

Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Account status incorrect

Complaint:
I have made several attempts with Experian and I dont know why its so hard for them to understand. 
. XXXX sent me an email to provide to Experian in removing the whole tradeline and or removing the late payment for XX/XX/2021. The email clearly states it, which I have 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 2018-08-23
Company: Credit Karma, LLC
State: TN
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 began social security and the loan company XXXX decided I could get a total and permanent discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact XXXX to confirm this information all these apartments do credit checks and im homeless so I need my score raised I have paid back many loans and cleared many bank accounts so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I recently signed a loan modification agreement with Nationstar. In the agreement, our new payment effective XX/XX/2016 is to be {$2200.00}. I accessed Nationstar online this morning to make my first payment -- and was shocked and extremely disconcerted to learn that the payment was changed to {$2300.00}. We contacted Nationstar to ascertain the reason for the increase. We were summarily informed the an escrow analysis had been conducted -- SUSPICIOUSLY AFTER we signed the loan agreement -- and due to said -- our payment increased. We asked why had this information not been disclosed to us -- as this " escrow analysis/increase had been done unbeknownst to us. We stated that had we known that the new payment was not going to be what we agreed to ( and are in possesion of the signed documents to this effect ) then we would never have signed the loan. We were condescendingly informed that the stipulations for payment increases are reflected tin the documents that we signed -- and we should have " looked closer ''. Nationstar is guilty of false representation. They presented us with a new payment on our loan effective XX/XX/2016 -- and changed the payment, based ostensibly on wording that is buried, and written in a stealthy manner in the loan agreement. In addtion, an arbitrary " escrow analysis '' was done to increase our payment -- even before the first payment was due -- which was not disclosed to us, nor did we sign for. The games that Nationstar is playing with our mortgage is against banking laws..and the fact that they apparently will not honor the payment that they presented in the loan agreement -- and we agreed to, and are in possesion of the documentaion to this effect -- is analagous to a breech of contract. 

Nationstar continues to earn its " XXXX '' rating with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 at XXXX my friend accidentally sent me the wrong amount of {$1800.00} on VENMO, at XXXX I returned the money back to her and both the money sent to me and the money I sent back are listed in my Venmo transactions as completed. On XX/XX/2022, Venmo froze my account and removed all funds I had in the account due to a chargeback from my friends card issuer. My friend explained she didnt know the amount went BACK to her venmo balance and not her card used, she called her bank and canceled the dispute. I have tried to contact Venmo in multiple ways- phone, email, chat without resolving the issue and they have closed my account keeping it frozen. I am owed the money back from Venmo removed from my account balance which in total is over {$700.00}. They will not return the funds and will not give me any explanation or resolve the issue with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called into my mortgage company, Carrington Home Mortgage Services on XX/XX/XXXX to make my mtg pymt. I let the csr know that I needed to break up my XXXX mtg payment into XXXX payments. That I would pay {$1200.00} that day and the remaining sum of {$1800.00} prior to it being actually late. The XXXX confirmed this with me and took my partial pymt over the phone. He confirmed and clarified this is not a problem to do so. That funds would be applied this way and accordingly to my XXXX mtg pymt. When I called back on XX/XX/XXXX, the XXXX said my {$1200.00} was not applied this way and in fact applied to other past previous late charges and that it was not applied toward my XXXX pymt and that my entire XXXX pymt was still owed. I spoke to a XXXX who said she would pull the phone call to confirm that what I said is true and now I'm waiting. This is completely bait and switch and misappropriating my funds without my consent. The XXXX  from my first called assured me breaking my pymt into XXXX pymts was not a problem, nor did he say that the funds could not be applied this way. This if misappropriating and fraudulent on Carrington Mtg 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Seneca mortgage in XXXX 2016 that my mortgage was sold to XXXX to be effective XXXX 2016. Later that month I received a letter that it would be effective XXXX 2016. I set up automatic bill pay with XXXX. My mortgage payment of {$2000.00} was deducted from my account by XXXX on XXXX XXXX. Seneca, who no longer owns my loan, also deducted {$2000.00} from my amount. I attempted to contact Seneca customer service. The automatic system said they no longer own my loan and then transferred my call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX//2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX/XXXX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XXXX/XXXX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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