BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare XXXX XXXX XXXX ( XXXX  ) I have maintained insurance on my property and paid for the policy separately from my mortgage and escrow account. I have sent this information to LoanCare. LoanCare accepted my policy in XXXX. Then in XXXX they rejected this policy and on XX/XX/XXXX they charged me {$2400.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ). I protested this and on XX/XX/XXXX they accepted my policy and credited me for the {$2400.00} they had charged me back in XXXX. Then without any explanation on XX/XX/XXXX they once again charged me {$2400.00}. Then on XX/XX/XXXX LoanCare charged me {$2400.00} for the next years insurance. I continued to maintain and pay for my own policy. I continued to protest the placement of XXXX but without results. On XX/XX/XXXX LoanCare charged me for an additional year of XXXX at a cost of {$2400.00}. I once again I protested and provided the policy that I purchased separately and LoanCare once again rejected my policy. 
The policy that LoanCare purchased placed the value of the house at {$220000.00}. The XXXX XXXX XXXX values the building at {$3000.00}. I protested the improper valuation of the building for insurance purposes and talked with insurance experts who stated that even thought the insurance policy was purchased with a valuation of {$220000.00} if a claim was made the insurance company would not pay a claim for anything more than the actual value of the house or {$3000.00}. Essentially the purchasing of the XXXX for a {$220000.00} valuation was simply a fraud that increased the XXXX XXXX XXXX. I discussed this with the Insurance company, and they told me that they were not allowed to discuss this with me. I needed to discuss it with LoanCare because LoanCare was the insurance agent that placed the policy. LoanCare refused to discuss this with me. 
On XX/XX/XXXX LoanCare almost doubled my escrow payment from {$490.00} to {$930.00} to cover the cost of the XXXX. At this point I had been protesting the XXXX with no results from LoanCare for over 18 months and I was not getting anyone at LoanCare to respond to my complaints. So at that time I wrote to LoanCare to explain that I would not put insurance money into their escrow account. I made every effort to resolve this with them and they refused to communicate with me. On XX/XX/XXXX I reduced my payments to LoanCare to exclude the XXXX cost they charged me.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: KY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-10
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 notified both XXXX and Experian that the late payment was wrongly submitted. I have provided documentation of police reports, ftc number and cyber crime along with notice that my bank account was closed. All of this is because of ID theft and fraudulent activity which has resulted in accounts being closed and causing problems beyond my control. Ive never missed a payment in over 20 years on my credit report. This is the first time and again because I was victim of identity theft. I notified the company and was making attempts to pay this but bank account was closing.

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 2023-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this company today saying I owed {$17000.00}, but without any information saying who the debt was from. I called the number provided and the representative confirmed that it was a student loan debt, but she couldn't say from who or when. I pointed out that it looked like a scamespecially when I don't remember taking out any loans with themand it was very probable that they were out of the statute of limitations for my state, just like everyone else that has tried to collect on me over the last year. ( XXXX XXXXXXXX, people. Look it up before trying to collect on a XXXX! ) She said I could send a notarized cease and desist letter to [ email excised ], and I said, " Yeah, and that's going to cause you to waste paper, ink and postage to send me a huge packet of papers that only confirms that you're in the wrong, at which point I'll contact the Consumer Financial Protection Bureau to make you go away. Excuse me while I skip straight to that last part. You have a nice day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
After providing feedback to Experian yesterday, I received an email notification from Experian indicating yet another intent to refuse to correct or remove inaccurate information from my credit file as outlined in the attachment to this complaint. 

My verifiable driver 's license and social security card has been provided to Experian on more than one occasion, including but not limited to an attachment to one of the complaints filed previously.

The numerous identity issues and inaccuracies have been brought to their attention in countless ways, including CFPB complaints which Experian does not take seriously either, and now they want to continue to claim, that multiple names not associated with me, don't affect my credit so they are not going to correct the information -as well, stating that they believe it is frivolous on my part to ask that this information be corrected.

I believe it is the full and willful intent of Experian to continue to alter my legal name and continue to financially and emotionally cause as much damage as they can.

It is now my intent to pursue all legal and criminal avenues available to me, against Experian due to the continued unwillingness to correct my credit report and to continue to play games.

The damage that they have caused is extensive and they are fully aware of this fact. 

Because they have yet again refused to follow the FCRA and have violated my rights, it is now time to make sure that the CFPB is aware of this latest attempt to cause me personal and financial harm.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to freeze my credit on Transunion. It made me make an account. Fine. I made an account. There was no mention anywhere that I would be charged money. Lo and behold, I was charged {$26.00} and I received an email saying this would be a MONTHLY RECURRING charge. 

This is a scam.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This was my complaint

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 2022-11-30
Company: EQUIFAX, INC.
State: IL
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express is unlawfully retaining past personal and financial information on me on accounts of more than 20 years ago that were included in bankruptcy. These accounts were closed more than 20 years ago. What is the lawful purpose that American Express still has information on me in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: AL
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 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$500.00}

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 2022-09-02
Company: EQUIFAX, INC.
State: MS
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:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint deals with several deceptive business practices by Equity Prime Mortgage ( EPM ) : 1. Wrongful credit reporting ; 2. Misleading online information on their website regarding forbearance which was accessible on XX/XX/XXXX ; 3. EPM representative misleading information by telephone on XX/XX/XXXX and XX/XX/XXXX ; 4. Entrapment into becoming further financially distressed and indigent. 

I was actively in the process of refinancing my mortgage with the underwriter of a different lender who gave me a very small window to lock in a rate comparable to what I already had since EPM denied to refinance my loan initially back in XXXX of XXXX. 

The mission was to pay off all my debts since I was currently being hammered with financial debts incurred from Hurricane Ian 's damages. As such while the other lender underwriter was in the final stages of approving my refinance, EPM mortgage wrongfully reported to the credit agencies that I was 30 day late following a conversation on XX/XX/XXXX and XX/XX/XXXX that they would not. 

EPM error cost me the only opportunity to refinance under the rate that was comfortable for me. So now I'm at their mercy with an application for a six ( 6 ) month forbearance to allow me time to pay for the natural disaster damages from Ian and regain my financial stability. 

My situation is comparable to a {$63.00} XXXX dollar FTC-CFPB suite which was recently settled the issues were : FTC and CFPB allege that XXXX XXXX XXXX XXXX According to the lawsuit, when homeowners were even just one day late with their payments, XXXX XXXX XXXX often unleashed a barrage of phone calls. 

When borrowers sought options like loan modifications or short sales, XXXX XXXX allegedly mishandled many of those requests, leaving consumers in even worse straits. For example, some homeowners were in the process of finalizing loan modifications with other servicers when their mortgages were suddenly transferred to XXXX XXXX. Rather than honoring those arrangements, XXXX XXXX often yanked that lifeline from people struggling to stay afloat. Others were told theyd have to pony up payment before they could even be considered for certain loan modification programs an illogical ( and often illegal ) requirement for folks who had already sent out a financial SOS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Deletion of XXXX XXXX XXXX to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed 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 2019-10-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: REVERSE MORTGAGE INVESTMENT TR
State: NE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am dealing with Reverse Mortgage Funding LLC. I had a Hail Claim which I turned in to my carrier XXXX XXXX. They issued me a check in the amount of {$27000.00} which I encorsed " FOR DEPOSIT ONLY '' to account XXXX XXXX in bank XXXX and then signed by my wife and I. 
Consequently this was a restricted deposit and I was the first endorsement. I do have the proof. 

XXXX endorsed it with 3 of their companies and the subsequently cashed it. I have asked for it and always had excuses and lies for not giving it to me. I have repeatedly asked where it is and they would not tell me. Now they file bankruptcy - no wonder they would not tell me. At our age we can not afford to lose this money to fix the hail damage as we don't have it. They have turned things over to XXXX XXXX XXXX XXXX and am not making any headway with them. To me, they are trying to steal money from us seniors. I have done everything they have asked but they keep asking for more. Some of which is impossible at this point. Since I was XXXX with a restricted endorsement they should not have been able to cash that check They should send me their check. I do have a copy of the front and back of the check they endorsed as proof. PLEASE help me get my {$27000.00} so I can fix my house. Why should I have to hire a lawyer to get this - is there any protection in cases like this?? It certainly proves that reverse mortgagees are not the best for us elderly. I should have backed out in the beginning as I was getting XXXX  around then. but I stuck with it..PLEASE HELP! If you need further informatiion, let me know. Thanx, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Resurgent Capital Services L.P.
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:
To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion will NOT supply a free credit report. 
I paid them for a couple of month to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report.

My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. 
Transunion should not be allowed to have an effect on anyone 's records.

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 2021-08-08
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent SOUTHERN FINANCIAL SYSTEM, INC a letter on XX/XX/2021 requesting information about alleged debts of {$250.00}, {$220.00} that i do not owe. i asking for this matter to be resolved and removed 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 explanation