BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: MI
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:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been paying XXXX  monthly to XXXX XXXX XXXX. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.

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 2023-03-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In an attempt to refinance my home in XXXX, I contacted XXXX XXXX XXXX as a XXXX party. I spent a few months paying my mortgage through them, being told by Mr. Cooper offices that I could not speak with them directly anymore since I now have a 3rd party. A few months pass and XXXX XXXX XXXX has in fact not been sending my payments to Mr. Cooper on behalf me and I was being scammed. In an attempt to solve this problem I sent in a notice by e-mail to XXXX XXXX offices to remove XXXX XXXX XXXX from my account and to stop all contact with them immediately, on XX/XX/XXXX of XXXX. Instead this notice was clearly ignored for multi months on end until XXXX of XXXX, where I had to call them endlessly and send a second letter of notice. All the while they have continued to not accept my monthly payments and increasing my past-due amount up to {$19000.00}. And on the phone I am receiving conflicting information that this amount being shown on paper and online may be wrong and I might in fact owe up to, if not more than, {$20000.00}. They have forcible put me in a situation where they I could not possible pay my missed payments in time before a full foreclosure sets in. Mr. Cooper is actively attempting to prevent my from catching up on my mortgage after I have notified multiple times that I have been scammed and all forms of paperwork should be sent to me at the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened up a credit card and it was 12 or more months no interest. My credit limit was {$8800.00}. I received my bill and the company allowed someone else to more than double the limit. I had not problem paying the {$8800.00} limit! But they not only wanted all the money I was paying & the majority of the money was going to the interest so I felt I would be paying this account for the rest of my life! I sent a letter to the president and she refused to try and work something out! Is there anyway I can sue them? I am now have XXXX and do stressed out! Barclay card really did me wrong & I dont want that to happen to anybody else Please help me I borrowed money to get it down so I could pay it off but now I am still paying on the other loan & I am struggling

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 2017-09-13
Company: EQUIFAX, INC.
State: MA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: LDF Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: MA
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:
On my XXXX home account is being reported and listed account status as derogatory, with all 3 credit bureaus. Last report was 2019, I am requesting that the derogatory account status be removed. This account is paid and I would like it to be reported as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have submitted all documentation as asked to Synchrony bank in regards to my XXXX benefits and they will have not applied them to any of my accounts.

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 2018-08-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to Experian for inaccurate information off my credit reports. 

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Chapter XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} I am unaware of the above listed accounts. I have asked them to validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to  appear in a court venue local to me, in order to formally defend yourself.

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.

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 2019-05-28
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called PNC Bank to ask to have my PMI  removed. They said that I could not talk to the insurance   administration directly, that I had to send an email and all communication would be sent via mail. I find this very frustrating that I can not talk directly through email or a phone call regarding the PMI, that I have to communicate through mail. This takes a very long time, and seems to be a tactic to discourage people from getting their PMI removed. I received a letter about one month after my call stating that they could not remove my PMI because my loan to value ratio was 85 %. The letter stated " At the present time, the loan to value ( LTV ) ratio is 85 %. The investor requires that we calculate the LTV by dividing the current principal balance, {$260000.00}, by the purchase price, {$300000.00} or by the original appraisal value, {$320000.00}, whichever is lower. {$300000.00} was used in determining your LTV ( PNC Bank XXXX ). Then another letter came in stating that " The investor requirements state that you must show proof of value of your property, which would reduce the LTV to 75 % ... Loan investor requirements state that the appraisal must be processed by PNC, National Association ( PNC Bank XXXX ). '' To summarize my issues : 1. I can not speak directly to the PMI department of PNC Bank. All communication is through an initial email and then only mailed letters that are 30 days delayed. 
2. PNC will not use my original appraisal value, instead they choose to use the lower value, which is the original sale value to calculate the loan to value ( LTV ) ratio. 
3. PNC imposes a stricter LTV of 75 % rather than the Federal LTV of 80 % 4. PNC required me to use XXXX XXXX, which is jointly owned by PNC and XXXX at {$500.00} for an appraisal. They also will include additional fees if I live in a rural area ... which is not defined. They will not allow me to use my own appraisal company. 
5. The letter states that the appraisers scheduled by XXXX are independent contractors and are not employees of XXXX XXXX or PNC. I don't understand that because the company is owned by PNC, therefore they are employees of PNC and are not independent. 
I greatly appreciate you assistance. As of this year ( XXXX XXXX ) I have paid {$650.00} into the PMI that should be going towards payment of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: TX
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 disputed my Equifax report on XX/XX/XXXX and the results of the investigation I received on XX/XX/XXXX. XXXX XXXX XXXX  XXXX account # XXXX is a old account opened in XXXX this needs to be removed from my credit report entirely that is more than 17 years old. I  want it removed asap. 

The XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Tx XXXX. I paid this note off in full on the XX/XX/XXXX. I told Equifax this and it is still showing on my credit report that I owe  {$13000.00}. I want this updated immediately. 

XXXX XXXX XXXX account was opened in XXXX more than 10 years ago this account is paid in full years ago. I want it removed from my credit report immediately. Instead Equifax put a temporary freeze on file. 

XXXX XXXX XXXX XXXX account number XXXX account opened in XXXX account is more than 10 years old. I want it removed from my credit report immediately. 

XXXX XXXX XXXX account number XXXX account was paid in full and is more than 8 years old. I asked Equafax to remove this account but instead they put a temporary update freeze on file. 



I have proof of payoffs and all account information along with Equafax credit report dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2020-10-14
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: Was not notified of investigation status or results

Complaint:
My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. 

XXXX XXXX has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. 

This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. 

XXXX XXXX XXXX the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from 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 2018-08-28
Company: Nelnet, Inc.
State: IL
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:
My loan service provider NELNET is making mistakes in allocating my payments to my student loans, has failed to notify me of these errors, and refused to provide documentation of the error in writing when specifically requested. 

I have 2 fixed rate student loans serviced by NELNET and I noticed this month XX/XX/2018 that my payment amount was less than half to only one of my loans. This has never happened before. I called customer service at Nelnet and was told there was a loan servicing error in XX/XX/2018 ; I was told only loan group A received my payment in XXXX. I was not notified of this servicing error and asked for written explanation by email, but customer service refused. I was told that NELNET was alternating payments between the two loan groups and only half was due each month which makes no sense. The amount I pay is the same regardless of how the NELNET allocates my payment between the two loan groups and should not effect my payment amount due each month. 

It seems to me there may very well be an ongoing error which has not been fully explained to me nor fully understood by NELNET. Their inability to explain the error or provide written confirmation of the error leaves me vulnerable to penalties and fees for their mistakes. It seems that since their merger in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX has led to serious internal mistakes in record keeping regarding amounts owed by individuals and performing their primary function in servicing loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
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: Investigation took more than 30 days

Complaint:
Equifax has had my account frozen and ... '' In Dispute " ..for over 2 months. I can not even get a response. I am on hold till they obey the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No knowledge of debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation