BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
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: Investigation took more than 30 days

Complaint:
ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM EXPERIAN, XXXX, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER 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 2023-11-29
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
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:
Regardless of the multiple written requests, the inquiries listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiries below in my file XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification in XXXX of 2021. I followed all the instructions I was given to have my mortgage modified. The modification was approved, and I was sent documents to sign and have notarized. I did, and I returned the document as instructed. I called to find out why my modification was not process and they said that the notary did not include my full name so I would have to get the documents re-notarized. I did and sent the documents back within 2 days of finding out I had to have the documents re-notarized. About a week later I got a phone call from PHH Mortgage, and they said my load was in default. The representative to talked to me said there was nothing they could do because the denial letter had already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Reporting company used your report improperly

Complaint:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System Name : XXXX XXXX XXXX XXXX all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-10-15
Company: Synovus Bank
State: FL
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 FirstProgress # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Action 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open/closed end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
AES ( American Education Services ) with it Guaruanteeor PHEAA, has twice now incorrectly calculated my IBR ( Income Based Repayment plan ). I have notified them both times, and they have refused to correct the issue, leading to me being reported to the credit bureaus. 

I need this issue solved. They are causing my family and I a great amount of XXXX. We were going to try and buy a replacement car with credit, but were denied due to their reporting me to the credit authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was illegally evicted from XXXX XXXX XXXX on XXXX. The apartment was deemed Unlivable by a mold specialist. I moved out of the apartment the end of XXXX. There was a discrepancy in regards paying the rent for that month. I never received my security deposit of {$2400.00} which would have covered XXXX and XXXX which was alleged. After the court date the judge ruled that no monetary value was owed due to my security deposit. XXXX I received a threatening notice from a debt collector. The company claimed that I owe {$4200.00}. The notice demanded payment or this amount would be added to my consumer report. This company sent me an email at a very inconvenient time and demanded payment for an erroneous amount. This email has caused me a great deal of stress. I am currently looking for a new home but the pressure placed on me by this company is taking a toll on my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-04-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have submitted complaints on the XXXX  website and they close my cases, but do not resolve. I have requested Fedloan payment history from the. new loan servicer XXXX but they replied that Fedloan did not transfer that over. The Fedloan payment history disappeared. I am a victim of Fedloan and XXXX XXXX adding on capitalized interest amounts to my principal loan balance to prevent the loan balances from ever going down. I borrowed {$63000.00} in XXXX XXXX loans for my daughter, XXXX XXXX. I have paid {$56000.00} ( could be higher ). The unpaid balance is {$48000.00}! This is due to both XXXX XXXX and Fedloan adding on huge amounts of capitalized interest at repayment, during forbearances, and after I paid ahead {$25000.00} and was told by Fedloan that no payments are due until XX/XX/XXXX. Then in XX/XX/XXXX, Fedloan added on {$5000.00} of Capitalized interest. I have a letter from Fedloan dated XX/XX/XXXX disclosing loan repayment terms. On page 2, under Anticipated Interest to be Capitalized : it states " Not Applicable ''. However, Fedloan added on Capitalized interest after this date, and before this date. I am XXXX years old, and retired from XXXX XXXXXXXX XXXX I worked XXXX  years for the XXXX XXXX That should qualify for public service forgiveness in itself.

Sadly, the Administration and Dept of Education has overlooked retired XXXX XXXX  who gave a lot more than XXXX  years of working for the XXXX XXXX 
There is no record keeping available for payment history. All the payment history has disappeared online. The Dept of Education has been looking at eliminating interest capitalization on federal student loans. I am aware of issue paper # 3 Interest Capitalization XX/XX/XXXX I am a victim of this interest capitalization. XXXX XXXX added on {$14000.00} of capitalized interest to my principal balance when these loans initially entered repayment! Fedloan added on capitalized interest multiple times : {$1400.00} on XX/XX/XXXX during a forbearance. They added on {$5000.00} in XX/XX/XXXX after telling me month after month that NO PAYMENTS are due since I paid in excess. My loans need to be cancelled. I want my complaint sent directly to XXXX XXXX. I am a good example of a retired XXXX XXXX  drowning in XXXX XXXX loans because the loan servicing providers were abusing capitalized interest. My XXXX XXXX  pension is 50 % of what my salary was. The answer is not applying for an XXXX loan. I can not be paying these loans back another XXXX  years when I am XXXX years old. I have already paid back over {$56000.00} for just XXXX XXXX, and only borrowed {$63000.00}. My loan balance can not still be {$48000.00}. I have submitted cases on XXXX XXXX. I have requested payment history from Fedloan and XXXX. I have received nothing. I want the XXXX to see this complaint, and the Department of Education. Also, President Biden should see my complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Earlier this year ( XXXX, XXXX  ), my wife and I reached out to XXXX XXXX XXXX XXXX and asked to be released from our timeshare purchased in XXXX of XXXX. We identified the timeshare as a hardship, and provided proof in our request to be released from the agreement. Because we had not used the timeshare at all, XXXX offered us a settlement by agreeing to accept a Warranty Deed and transfer the title back to the XXXX XXXX. I accepted the settlement offer and paid the agreed upon amount of {$1000.00} for a deed-in-lieu transfer. This was not a considered a foreclosure. 

I am a retired XXXX XXXX, a veteran with a XXXX XXXX VA XXXX. Recently I was inquiring about refinancing our VA mortgage to make our house more ADA accessible. However, we were told the XXXX placed a foreclosure notice on our credit reports, and that it will negatively impact us for the next seven years. 

We were engaged in a voluntary return of the timeshare and a mutually agreed termination of the contract. I asked them in writing ( XX/XX/XXXX, sent certified and registered mail ) that they remove the foreclosure coding from all three credit bureaus and replace it with language or coding that reflects the timeshare was transferred back to XXXX in good faith, for monetary consideration ( {$1000.00} ), and the account is closed with n monies owned. 

Again, it should not be listed as a foreclosure. I accepted a settlement offer, and settling for less than the full payment not a foreclosure. Also the word " 'foreclosure '' does not appear in the settlement agreement. 

a copy of the settlement letter is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is showing a balance of {$380.00} reporting to my credit report it should be {$190.00} with 5 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.

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 2022-04-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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.

I demand this be taken off my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Rock Creek Capital, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
at the time XX/XX/XXXX. I was working with XXXX, and they sent us advertising emails about flexible lease " for example " you can return your vehicle as soon as 30 days after your first payment due date no question asked! " where we can rent a car ( weekly ) and return with no question asked. 
I have emails to proof that. 
the car rental was returned on XXXX at the time I rented the car from XXXX rent company. and after 5 years I get a mail that I owe around {$2500.00} for early termination lease, from a different company and a bad credit reporting without even a single communication for 5 years. 
please note that I was not the original leasee nor I did sign the original lease or even saw the original lease. 

dates of car pick up : XX/XX/XXXX date of return : XXXX XXXX XXXX : XXXX Rock Creek Capital, XXXX XXXX : {$2600.00} actions that were taken by you or the company. bad credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX The amount is {$510.00} The original XXXX XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX  regarding this, but I can not get a resolution. I have never used XXXX XXXX or XXXX XXXX XXXX  services. My cable provider is XXXX XXXX, and my phone provider is XXXX. I have asked XXXX to please remove this item from my credit report, but the are refusing to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: CA
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:
Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - I, XXXX XXXX, opened a loan with PNC Bank XXXX XXXX of {$100000.00} for 216 months at given interest rate of 5.8 % at a payment of {$740.00} XX/XX/XXXX - I received mail from PNC Bank stating " we discovered your fixed rate lock established on XX/XX/XXXX, did not receive the correct interest rate, As a result, you were overcharged interest. Your fixed interest rate has since been lowered to 5.220 %. '' XX/XX/XXXX - PNC mailed to say they credited my account for overcharging interest - a credit in the amount of XXXX was applied to my principal balance. 

A 216 month XXXX loan of {$100000.00} at 5.220 % should result in a payment of ~ {$710.00}. 

I have contacted PNC many times to find out what will happen to my load going forward. They refused to answer and provide resolution to providing me with a lower monthly payment

Company response to consumer: Closed with explanation