BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-24
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Account # XXXX To whom it may concern : I am a borrower with a residential loan from Fay Servicing LLC in default.

As for now Fay Servicing Is currentlydual tracking my request for a loan modification, while simultaneously  proceeding towards a foreclosure sale date XX/XX/2018 which I believe is a violation of Cal. ( Civil Code 2923.6 ( c ) - ( d ), Section 2923.6 ( c ) addresses the problem of dual tracking, in which financial institutions continue to pursue foreclosure even while evaluating a borrowers loan modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Alpine Credit, Inc
State: CO
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:
Called and paid off full balance once I found the issue on my credit report as I had received no communication showing that I had a balance owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: AES/PHEAA
State: FL
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:
At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today, XX/XX/19, XXXX XXXX, Loan Manager from One Main Financial Loan Department called at XXXX  to and offered me a loan of {$10000.00}. He emailed a loan agreement, while I was on the line with him, and I was told to reply to the loan that I agreed, as soon as I said I replied, he hung up on me. I tried to call him back at XXXX  and he hung up on me several times, and now he won't answer. I replied to him through email that I don't agree to the loan agreement. I called the OneMain Financial- Corporate Headquarters and they said they never offer loans over the phone and nobody by the name of XXXX XXXX works for them. However, the email that was sent has the One Main logo on some of the pages. XXXX XXXX has my personal information, as well as by routing and checking account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. XXXX XXXX XXXX has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked Equifax to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Lendmark Financial Services
State: FL
Product: Debt collection
Sub-product: I do not know
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:
Lend-mark has been constantly pulling me credit report each month however ive disputed inquiries from this company several times. They are calling threatening me threatening my mom, my kids and my co workers This company has been harassing me for 9 months straight non-stop. on XX/XX/2019 the company pulled another hard inquiry without my consent this is the 4th inquiry pulled from this company without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Direct Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Direct Recovery Services sent a text message to a friend of mine that included my name, the statement that it was an " Important Private matter '', as well as links and information that would easily give that person access to my private information. They insisted that they did not give out my information, as if no one could figure out what that text was about. Also, if you clicked on the links, all you had to do was answer yes to a couple of verification questions to gain access to the full information. 

When I called to get a mailing address to send these people a cease and desist letter. They transferred me, put me on hold, and one of the reps XXXX questioned my character, made a XXXX comment, and several other comments, when I told her all that I wanted was a mailing address. The 3rd rep I spoke to gave me a bogus website address so I could " find the address '' myself. After searching the name of the company, I did finally find the address in under 1 minute, a great deal shorter time that the two reps kept me on hold while they looked for the address of the company they worked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was reviewing the outcome from XXXX about a complaint issue with XXXX XXXX # XXXX****, XXXX*** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing. XXXX has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. XXXX XXXX days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
on XX/XX/19 I opened up XXXX disputes against XXXX  and XXXX XXXX XXXXXXXX from my Chase credit card. Chase has all the dispute information in their file. XXXX the merchandise was returned because it was defective. I never received a replacement or credit. When I left the defective merchandise I was told someone would contact me which never happened. For XXXX XXXX  these were not my charges. Chase contacted me about these charges and the agent was incredibly rude and incompetent. He would not listen to me, conduct an investigation, provide me with receipts, and was mischaracterizing everything I said. The level of incompetence displayed by him was truly astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan of {$600.00} from big picture loans via telephone on XX/XX/XXXX. I agreed to the fee of {$170.00}, as I was told this was a one time payment for accepting the loan. After I received the loan deposited into my bank account, I started receiving emails saying that I had to pay {$170.00} every two weeks! I was NEVER told of the interest rate of 683.3776 % or having to pay over {$350.00} a month for the next 6 and a half months. I called them and tried to work this out but to no avail. They say they will debit the payment of {$170.00} every payday through the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX  : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA

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 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My name is XXXX XXXX and I've been banking Bank Of America for 13 Years and Ive been dealing with being charged access fees on my account ... Especially for the past 2 years Ive been paying fees after fees. After reviewing my account I have added up over {$800.00} in over draft and transfer fees.. I have reached out to The bank personnel to resolve this issue but it continues ... Almost every time I received a direct deposit my account is hit with many fees ... This bank is will process the largest transaction to make sure your account will become negative! This matter is becoming very stressful to deal with ... This is an ongoing matter and I need someone to help 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 2020-01-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX  balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been diligently working towards improving my credit score in preparation to purchase a home, periodically I check with XXXX XXXX to see how it's coming along, last month, XXXX, my score had dropped by 23 points due to a debt in CCS from " XXXX XXXX '' auto insurance, XXXX, I do not owe this mainly due to the fact Auto insurance does not extend credit, you pay you are covered, you are cancelled if your payment is not made, over and above this factual dispute, XXXX. is trying to charge me for the " free quote '' as their slogan states, after requesting a quote I did not purchase a policy. To my surprise the following month my bill which is normally XXXX jumped to XXXX, I spoke with a XXXX. representative who offered only one choice to amend which was that I pay the entire amount then they would credit my account, under the circumstances I found this absurd. I had the new vehicle already insured with XXXX, I could not afford to pay for a " quote ''. I still have not received an official bill from CCS, I only saw this on my credit report score. I chose to take my business elsewhere, my right as a consumer. 

XXXX turned in a " debt '' of {$350.00}, when I did not renew with them, the 6 month policy was paid in FULL, again auto insurance does not extend credit, honestly, Where do these people get off? 

In finish, I have requested validation of these two " debts '', costing me energy and time for something I do not owe. My biggest concern is that CCS can turn this in without validation to begin with, I shouldn't have to provide validation AFTER CCS turned these in as unpaid debts and DESTROYED my credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX three fraudulent charges were placed on my credit card : {$350.00} ; {$140.00} and {$350.00}. 
On XX/XX/XXXX, I noticed the charges and called the bank with my concern. Then sent a letter detailing theses charges were unauthorized on XX/XX/XXXX. 
On XX/XX/XXXX, the charges were placed back on my account without notification. 
On XX/XX/XXXX, I noticed these new charges and again called the bank for explanation. I was told I would receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NY
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 have submitted disputes for inaccurate information that has been put on my credit report and experian refuses to investigate properly so that the items can be removed. Experian wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

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 2020-07-07
Company: HW Holding, 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: Account information incorrect

Complaint:
Hunter Warfield is a collection agency for XXXX XXXX. XXXX XXXX is a collection agency for XXXX XXXX. My account for XXXX XXXX was held by XXXX XXXX. I contacted Hunter Warfield and spoke with XXXX XXXX who told me that Hunter Warfield no longer had my account and XXXX XXXX did. I asked XXXX to please send a request to the credit bureaus to remove Hunter Warfield from my credit report. XXXX was very rude and told me if I called back, the company would press charges. I called XXXX who agreed to give me letter stating that XXXX XXXX had my account for XXXX XXXX. I paid the account for XXXX XXXX in full including fees to XXXX XXXX. 
Hunter Warfield remains on my credit report and continues to increase the balance biweekly. I would like Hunter Warfield to remove themselves from all 3 of my credit reports as they did not even hold my account and my account is paid in full with another collection agency.

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 2019-05-29
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted XXXX XXXX XXXX to negotiate a lower interest rate on my student load after it had recently gone up again. They told me that they were only the servicer of the loan and that I must contact XXXX XXXX XXXX, who they said owned the loan, to speak about interest rates. I called XXXX XXXX XXXX and gave them my full name & SS # and they could not locate me in their files. Now I am wondering who I am paying and why my interest rate went up if nobody owns this loan.

Company response to consumer: Closed with explanation