BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
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 receive Experian credit Report of XX/XX/XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX  already removed the Derogatory Remarks, of XXXX auto loan, but Experian and XXXX  hasn't remove it yet.Why? 
Also Experian has removed Bankruptcy from my credit report, but XXXX and XXXX hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XX/XX/XXXX.This error needs to be corrected as Experian has XXXX XXXX   XXXX. 

I respectfully need a expedited removal of derogatory of XXXX   account because I am going through a VA Loan and purchase process with XXXX XXXX and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX Military Veteran. 
I am XXXX XXXX and Retired. 
I appreciate Experian, XXXX, XXXX support for our Military Veterans. 
With Respect and Honor Always!

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 2021-05-22
Company: EQUIFAX, INC.
State: NJ
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went into the forebearance program and am trying to come out of the program, but wells fargo has screwed everything up. They sent a loan for me to sign for the forebearance but the loan has my ex-wife on it. I sent the divorce decree multiple times to wells fargo but they have not fixed it. They threaten to foreclose on me, but have not given me a chance to sign for the forebearance and continue back on my loan. They have said it is my fault, and there is nothing I can do to fix the problem. I have tried to call, but they always hang up on 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 2018-07-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved. 
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Selene Finance LP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been sent multiple letters stating that I have an alleged debt from the Resurgent Capital services company. I have mailed a response to each letter stating that the debt is not mine nor have I ever had an account with the supposed company that Resurgent capital services is trying to collect for. I have never received any form of proof that the debt is mine nor have they provided the original documents proving that the debt is mine. I have mail more than 6 responses back to letters from them in the last several months and I want the company to leave me alone. I have told them to leave me cease and desist but the company keeps re sending letters stating that if I don't respond within 30 days they will have the right to reopen the debt collection. I wish for this company to stop all further communications with me and stop trying to collect on a debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Franklin Collection Service, Inc.
State: GA
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:
On XX/XX/2018 I came to an settlement agreement with Franklin Collection Svcs on a debt that they purchased from XXXX XXXX XXXX. I did not have a contract with Franklin Collection Svcs therefore they shouldn't have been able to report negatively to the credit bureaus. To settle this matter we came to a settlement amount of XXXX. When I asked them to have the negative remarks removed, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am trying to move and the debt is hindering me from moving forward i do not owe debt to XXXX XXXX   XXXX XXXX i moved into the unit XX/XX/XXXX and moved out XX/XX/XXXX i sent in all supporting documents from vice president and management team even the rent payment stating my balance with XXXX XXXX   XXXX XXXX was a XXXX balance and I'm am still being harassed about the debt and its also still on on my credit report reporting from IQ DATA INTERNATIONAL

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 2017-09-20
Company: Navient Solutions, LLC.
State: MI
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:
I applied for a IBR. While waiting they offered me a deferment. I mailed all required paperwork back in XX/XX/XXXX, as of XX/XX/XXXX, I have not received any information on new loan payment amount. My loan repayment restarts in XX/XX/XXXX but at the old amount not the new loan payment amount. When I called requesting the IBR, Navient informed me my new loan amount would be a little over 300.00 per month. Until I hear from them about new loan amount I have to pay the old amount of XXXX. The reason for requesting an IBR because I can not afford a XXXX dollar a month loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Williams & Fudge, Inc
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I graduated XXXX  XXXX on XX/XX/XXXX owing a little over {$2000.00}. I tried to work out a payment arrangement with the school, but they sent the debt to collections in XX/XX/XXXX. 
The collection company began calling me immediately upon receiving the debt. I was not working ( diagnosed ) and I told them I would pay when I could. 
They had a rep that called twice a month attempting to hold a conversation with me like we were friends. I told him to stop calling because it was inappropriate. 
Upon checking my credit report, I noticed they continue to renew the debt with new dates, as if they debt is new. I have called and sent them a letter letting them know they were misrepresenting the debt, but to no avail. They have a XX/XX/XXXX date on an XX/XX/XXXX debt. So every 2 years or so, they keep updating the debt so they can keep it in their portfolio and falsely report this information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We just received our annual Escrow Account Disclosure Statement and we are concerned that LoanDepot is not accurately stating the status of our escrow account. Facts : - Beginning XX/XX/2018 our Escrow payment went from XXXX to XXXX an increase of XXXX - The new Escrow Disclosure Statement states we have a SHORTAGE in our Escrow account based on projected expenditures ( taxes and insurance ) because our new escrow payment beginning XXXX XX/XX/2018 is XXXX ( a reduction of XXXX ) but to JUSTIFY the SHORTAGE claim are adding a SHORTAGE escrow amount to the XXXX of XXXX for a total of XXXX ( a XXXX reduction to our original escrow payment of XXXX. 
We feel LoanDepot is attempting to cover up the OVERCHARGE of escrow from XX/XX/XXXXto XX/XX/2018 by CREATING an intentional shortage for the next year when in reality they did OVERCHAGE our account significantly. It looks like they are now attempting to cover it up by creating a payment schedule that makes it look like there is an actual shortage to the account when there would be a HUGE overage if the original escrow payment of XXXX remained in effect ( copies of the disclosure statement are enclosed ). They have even offered us an opportunity to pay-off this fabricated shortage by paying XXXX in advance which would keep our escrow payment at the new fabricated payment of XXXX. We believe this type of financial bookkeeping is not right and may not  be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My husband XXXX XXXX and I I have two ( 2 ) store accounts with Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. In XX/XX/2020, as normal, we separately paid the amount due to each account. Synchrony Bank placed the funds from each account into only one of the accounts. The next month, we received a {$29.00} late fee charge on the account which Synchrony Bank failed to properly apply the payment made. I immediately paid the full balance on the account, plus the {$29.00} late charge. 

In XX/XX/2020, a {$170.00} balance owed me was shown on the account that Synchrony Bank failed to apply the payment we made in XXXX. 

My husband immediately called in and requested a refund of the {$170.00}. He was told that the {$170.00} would be applied to any future purchases. He advised that I would not be making any such purchases. He was then told a check would be sent out immediately. No refund check ever arrived. He has have since called numerous times in order to obtain the balance due me. It should be noted that their mistake cost me {$29.00}. In addition, Synchrony Bank charges 29.99 % usury interest ( when the fed funds rate is XXXX % ) should I pay over time. 

Synchrony Bank continues to acknowledge that they owe me {$170.00}, however, have continued to refuse to send me the payment.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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:
XXXX XXXX  REPORTED LATE PAYMENTS ON ACCOUNT : XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 60 DAYS ) XX/XX/2016 ( PAST DUE 90 DAYS )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I pulled my report last year and noticed fraudulent student loans took out in my name. I have been trying close to a year now to resolve this issue by contacting ; XXXX, XXXX, XXXX, Navient and my local police department to file a report. I even filed a FTC report to clear my name, I even provided this information to Navient & XXXX and they are still refusing to help me. $ XXXX in student loans I did not take out is in my name. I am a XXXX XXXX XXXX  without a XXXX XXXX XXXX. 


Account Number : NAVIENT XXXX / XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Lendmark Financial Services
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 am writing to file a complaint on Lendmark Financial Services. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX Lendmark Financial Services Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XX/XX/XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was Lendmark Finanical Services they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Carvana Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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:
XXXX lousiana no acct # becase none is on my consumer report if this accout was charge off since XXXX2017 i never recive a 1099 showing any imfo on this 15 US 1681-s

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NJ
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:
EquifaxandXXXXissupportingXXXXXXXXonleavingabusinessaccountonmypersonalcreditreport.IdisputedsomanytimeswiththemandunfortunatelytheyrefusetotakeitoffbyallowingXXXXXXXXtosayforthemtokeepitthere.Pleasehelpme,mybusinessnamewasXXXXXXXXXXXXXXXXandunfortunatelyitisnotinbusinessanymorebecauseitdidn'tbringenoughrevenue.Thankyou!!!XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

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