BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
All accounts are paid in full but they do not update their system and it's been 30 days and it still shows on my credit report as open account with a balance. Every time I call in they do not know why and no one can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/2023 I had submitted a complaint against midland credit XXXX in regards of ceasing all communications however, they have continued to communicate with me which is a clear violation of the Fair Debt Collection Practices Act. The FDCPA states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and midland credit management has started to report this alleged debt to my consumer report which is an indirect medium. It is clear that they do NOT intend to follow federal law. Additionally, I have been receiving threats of litigation from this company which is an additional violation of the FDCPA as it states that debt collectors can not bring or threaten to bring legal action to consumers. I am very angry with this company and I am seeking remedy. If and when this continues I am prepared to litigate as they do not have the right to collect on a transferred contract that I did not endorse with midland credit management. If they truly believe that their purchased contract is valid then I require that they send me the entire purchase agreement not just the bill of sale and I also want proof that I had endorsed a contract with midland credit management using a wet ink signature. If they can not provide this, I demand this company to cease harassing me with their predatory tactics. I demand compensation.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
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: Personal information incorrect

Complaint:
I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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 status incorrect

Complaint:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$12000.00} XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}

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 2023-08-07
Company: Experian Information Solutions Inc.
State: WA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
UPDATE TO CLAIM # XXXX CAPITAL ONE has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTYS THE XXXX. CAPITAL ONE has responded with they have the right to do so because of an alleged proper agreement. In this agreement CAPITAL ONE FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 15 USC 6802b ( B ) ( C ). CAPITAL ONE IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. CAPITAL ONE REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2018-12-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
American Express Travel Related Services Company , Inc. issues the Amex Bluebird card in partnership with XXXX. I have been using this card for direct deposit and as my primary spending instrument for a number of years now. On XX/XX/2018, I returned a broken retail item to XXXX  and was issued a refund with no troubles from the store. The object was obviously defective and my money was credited back to my card. The amount in question was {$140.00}.

This amount has, as of XX/XX/2018, still not been made available to me in my account. Due to this, I have had absolutely no money to my name for a week now. I am desperate to have this resolved. I know the amount of money involved is not a large sum, but I was relying heavily on it to feed my family, as I am a poor man. Because of this glitch, or whatever it is, my XXXX  XXXX-year-old XXXX XXXX   and my XXXXyear-old have not eaten since Tuesday, when they ate saltine crackers and catsup. My wife and I have not eaten since Sunday. With tomorrow 's meager paycheck, I will have to buy food and I will not be able to even purchase the cheap XXXX XXXX toys I was going to leave under the XXXX Tree this coming Monday evening.

This money does not belong to American Express. It belongs to me. I have no one to whom I can go for a small loan or any help. The soup kitchen in my area is a violent den of drug users and drug dealers. I do not qualify for benefits because I do have a job. And normally I can afford to just barely squeak by, but every penny counts in my home and American Express 's arbitrary hold policy is literally starving my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
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 explanation
Consumer complaint received 2019-02-14
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are a title company paying off Mr. Cooper. We received the payoff letter prior to close stating a good thru date of XX/XX/XXXX for {$76000.00} with a per diem rate of {$12.00}. The loan closed on XX/XX/XXXX with a wire {$76000.00}. Wire was sent on XX/XX/XXXX. On XX/XX/XXXX, Mr. Copper returned wire stating there was a shortage of {$290.00}. In the interim between the XX/XX/XXXX and XX/XX/XXXX we noticed prior to recording our deeds on XX/XX/XXXX that Mr. Cooper on XX/XX/XXXX had assigned the Deed of Trust to XXXX XXXX. We called Mr. Cooper to get to the bottom of what was going on. We spoke with XXXX and she said Mr. Cooper still retains the Note and Deed of Trust and has no idea about the Assignment. XXXX   Online also was showing that XXXX XXXX  is now the current note holder as well. After numerous back and forth with XXXX at Mr. Cooper and requesting numerous times to speak with a manager, a manager finally called me on XX/XX/XXXX stating the shortage was due to a foreclosure inspection report not listed on the payoff. A few things in that regard : 1 ) Mr. Cooper knew that this closing was taking place as the seller had to send them a contract with a closing date. Foreclosure proceedings were to take place in or around XX/XX/XXXX. 2 ) Mr. Cooper has not been timely with communication with the title company nor provided clarity with regards to the Assignment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I canceled dish because I moved after 6byears with them. They had incorrect contact info. I never received collection notice and after contacting dish they agreed to payment for deletion. Please remove asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Valon Technologies, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Valon collected escrow funds for an insurance policy it had no intention to pay. 

Our mortgage was sold to Valon in XX/XX/XXXX. Shortly thereafter, they paid our homeowners insurance and earthquake insurance premiums out of escrow. Our XXXX, XXXX, escrow analysis was calculated to cover earthquake insurance, property insurance, and county taxes. 

On XX/XX/XXXX, I emailed a copy of the yet-to-be-paid earthquake insurance bill to Valon. On XX/XX/XXXX I called to make sure it was going to get paid since it was due on the XXXX. I was told unequivocally that they would not pay the earthquake insurance premium because the insurance wasn't a requirement of the original mortgage. They could not explain why they paid it in XXXX or why they had been requiring escrow payments for a bill they had no intention of paying. They refused to make an exception as they seemingly did in XXXX. 

At no time was I informed that they would not pay the earthquake insurance in XXXX. Based on the fact that they already paid it once, they were billing me for it, and our previous servicer had no problem paying it, it was reasonable for me to believe that they would pay it this time. In fact, their FAQ at XXXX XXXX XXXX says " If you have an escrow account for your tax payments and/or insurance premiums, the account will transfer over to us. We will continue collecting these funds and making the payments on your behalf. '' That seems pretty clear to me. 

Had they informed me that they would not pay it, I would have put the money aside to pay it myself. In the end, I was able to get them to request a refund out of escrow so I can do just that. Apparently this is in process and I should get payment in a week or XXXX. 

I am filing this complaint because I want to protect other consumers from Valon 's deception. They need to reform their escrow analysis so that they aren't collecting money unnecessarily. They need to inform consumers about this policy, especially when coming over from another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
We have put a freeze on the Credit Bureau accounts several years ago and lifted the freeze in the instances employers, bank, etc needs to check on our credit worthiness. Until now. We needed a credit line for business and recently need to change to a different credit card with XXXX XXXX. We tried another credit card with our coop XXXX Again ALL three bureaus required. 

We could not log in to our account with our login details because EQUIFAX apparently revoked the logins. After several hours on the phone having to respond to quizzes on minutiae of transactions done years ago they have in a database ( a luxury we do not have ), we objected. We we then told that we will have to provide them, EQUIFAX, the bureau that had our private details hacked, insisted we provide them with copies of our Social Security Card and Drivers License. And we need to write them for permission to our own data. We refuse to offer ANY private data to this company. 

We have our state representative, XXXX XXXX, taking this case up. We need this interaction to get Senator XXXX   engaged as well. 

So, here is the complaint : EQUIFAX practices have now become untenable and unlawful we can not log on to do a self-managed freeze lift unless and before we turn over COPIES of our Social Security Card, Drivers License and WRITE them to attain permission. Right now we can not do business because we refuse to work with Equifax. This choice means a diminished freedom to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
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 sent in three dispute letters to XXXX and all three credit reporting agencies ( XXXX, XXXX, and Experian dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however Experian alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
XXXX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to express my continued frustration and disappointment regarding the unresolved inaccuracies in my credit report despite numerous attempts to rectify the issues. 

I have diligently submitted correction requests for the following discrepancies : Despite multiple efforts to address this matter, my credit report persistently displays a late open account that does not accurately represent my financial history. The account in question is inaccurate. I urge you to conduct an immediate and thorough investigation to correct this persistent misinformation. 

The credit report inaccurately reflects a charge-off that I have disputed on multiple occasions. Despite providing detailed information and evidence to support my case, the erroneous information remains on my report. I demand an urgent and meticulous examination of this matter, followed by the prompt correction of the inaccuracies associated with the charge-off. 

These inaccuracies are not only adversely affecting my creditworthiness but are also causing significant distress and frustration. I have made multiple attempts to address these issues, and the lack of resolution is deeply concerning. 

I insist on a comprehensive and expedited review of the matters mentioned above. Please provide me with a detailed explanation of the steps taken to correct these inaccuracies and a clear timeline for the resolution of these persistent disputes. I am asking for your assistance to correct the following accounts : XXXX XXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/2020 Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: In progress
Consumer complaint received 2019-09-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, Wells Fargo refused to do a loan modification for my VA insured home loan under the IRRL. We were behind on payments due to my unemployment ( as a result of my XXXX and XXXX ) and they intentionally undervalued my home ( claiming it was a 3 BR/ 2 Bath single family dwelling on their report when in fact it's a 5 BR / 4.5 bath SFH ). After I challenged their assessment and requested an on-site home evaluation they moved to foreclose, forcing me to file Chapter XXXX. In XXXX of XXXX, I started having trouble making payments and reached out to several support agencies that were willing to help keep the loan current. However, Wells Fargo refused to accept these payments, only posting them on XX/XX/XXXX - ONE WEEK after they filed a motion and received approval to lift the stay on the foreclosure. NOW, they are refusing to even consider a loan modification despite me having sufficient unearned income to cover a 30yr fixed rate.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023

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