BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. 

Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her 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 these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Bridgecrest Acceptance Corporation
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:
In XX/XX/2020, we missed a payment due to a some personal family issues. We calledBridgecrest when we realized we missed our XXXX payment and was set up on a payment plan to get us current. Our usual payment is {$410.00} a month but we paid {$510.00} per our payment agreement from XXXX to XXXX. On XX/XX/2020, we paid for a credit monitoring service through XXXX and found out Bridgecrest was listing us being late every month since XXXX. This is not true as we ONLY missed XXXX payment and set up a payment agreement with them and PAID it EVERY month. When I realized what they were doing I quickly paid the full amount due. I was never informed by Bridgecrest that my account would be reported late on this payment plan and I was actually lead to believe the opposite as they wanted to asure payment by scheduling a direct debit from my account every month. I agreed to it to protect my account and keep my credit in good standing. I contacted Bridgecrest several times to dispute the late payments as well as disputing it with the credit bureau. They are reporting that we have been consistently late for 5 months and reflecting we are not making payments as agreed, however, we are making a payment every month in accordance with our payment plan. Bridgecrest refuses to fix it and it is affecting our credit score and our ability to buy a house. We are looking into a class action lawsuit with our lawyer as many other customers have experienced the same unethical reporting practices of Bridgecrest. We would like our credit report to accurately reflect our payments and ONLY show we were late in XXXX and paid as agree from XXXX through XXXX as we have paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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 requested a reinvestigation of the completeness and accuracy of the list of accounts 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 I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Early Warning Services, LLC
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:
This compliant against company the name as Early Warning service   office locator in the state of XXXX az. base the information that receiver from bank XXXX.the consumer agency that no bank report to then. base of the fact submit to me through document that I receiver from the bank there information was inaccurately. it stated that I have number returned item from number bank. which was find to untrue. that was an indiction that occur back on XX/XX/2019 where the court put a hold on my and my wife account for XXXX. XXXX which in fact was correct in about 60 day. in XX/XX/2019 notify me about this information through a request. from early warning just send a statement along from XXXX XXXX that I had negative item in my file. this was on XXXX XXXX once I receiver this information I contact the bank. XXXX XXXX. XXXX XXXX XXXX XXXX. we spoke to XXXX   XXXX XXXX XXXX and all these bank stated to me that never submit any neg information about your back account. and that they only report to XXXX XXXX for some one abuse of any check account. Early warning service LLC has being suite once before. about this type of practice in the past. and that not what I want to do I just want it clear up soon.. there was only one report by XXXX XXXX base on the court action that took place in XXXX. which in fact we settle dose issue. and it was base on the fact of the court order. the court close the account not Mr. XXXX and you has that evidence in your file. it was not like I just abuse any account in the past, this information was report to CFPB for investigation and all the bank response back with this information no bad account as to Mr. XXXX check account so therefore early warning service LLC. need to delete those neg information about this indiction. because XXXX XXXX dose not have any bad information went it come to Mr. XXXX. check or deposit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

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 2018-05-01
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a HAMP modification many years ago. My mortgage payments have stepped up much faster than my income has gone up and I am unable to make such a high payment. I reached out to my mortgage service again to ask for assistance. 

XX/XX/XXXX - I sent in my application. 

XX/XX/XXXX - I received a letter tat acknowledged my complete Loss Mitigation Application had been received on XX/XX/XXXX XX/XX/XXXX - I logged into my account on fayservicing.com and saw language that stated I had " Promised to Pay '' an even higher amount than my normal monthly payment. 

XX/XX/XXXX - I contacted the CEO of Fay Servicing via email. I received a call back from my Account Manager, XXXX XXXX. He stated that an evaluation for modification was not completed as the underwriter determined that I qualified for a repayment plan. I submitted a request for an appeal. 

XX/XX/XXXX - I received correspondence dated XX/XX/XXXX that my request had been received. 

XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - I still have not received communication from Fay Servicing and XXXX XXXX is still showing on my account as my Account Manager XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - XX/XX/XXXX - I again attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Bayside Credit
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 have a vehicle loan. And the loan company keeps reporting an increase in my loan balance causing my credit score to be affected. I tried calling and talking directly to the loan company but they deny any wrong doing. I reported it through the credit bureau and through here. The loan company reports that my balance has increased when in fact it has not. Its a simple interest loan. When the payment is received the daily interest is deducted from the payment based on the amount of days since the last payment was received. What this company does is reports the payment received and the principal balance to the credit bureau. Then a few days or weeks later it reports a balance increase by adding the simple interest to the principal balance. This causes my history to reflect negatively against me. And my credit score drops. In fact the amounts they report to the credit bureau are incorrect. They are aware that by doing this it is ruining my credit score and yet the continue to do so. How is it fair if you pay down a loan only for the loan company turn around and report the simple interest as an increase. They know its hurting my score yet they continue this practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and/or updated immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a freeze on a number of years ago and need to temporarily remove it because a potential employer needs to pull my credit. My issue is equifax, I do not know my PIN and can not retrieve it or get the freeze lifted. 

Its clear that the credit bureau does not benefit from a freeze, its clear they are making the system impossible to navigate so people will not use it. I can not get the PIN, I have started 4 chats but there is no rep to chat with, a dead line. 

I want to file a formal complaint for fraud because I have paid for the freeze which is a contractual service paid for an expected. they are not providing that service and also making the service so impossible to navigate that they want people to remove it. 

The payment for a service and not providing it is fraud. I want to file a complaint of fraud on the president and CEO of equifax personally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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 had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: MOHELA
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:
On XXXX XX/XX/2021, I checked my credit report and noticed that Mohela hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since Mohela hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, Mohela refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im not sure of dates ... but I have disputed this account numerous times with all 3 credit report agencies wells fargo card services is on my credit report with a balance of {$3200.00} credit card limit being {$3300.00} i have absolutely no knowledge of this account. Im not sure if its fraudulent or a mistake. I did open a secured credit card with Wells Fargo in 2014 with a {$300.00} dollar limit but that was taken care of on my report. How can I get this removed and how can I figure out if it was fraud?

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 2018-11-22
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: IL
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:
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/21 - Transunion decided to reduce my credit score by 10 due to an account balance going from {$3.00} to {$0.00}. This actually was a fee paid on time a couple of months ago on an card. Nonetheless I literally reduced the balance to {$0.00} and I have XXXX to show for it. This is ridiculous.

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