BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
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: Investigation took more than 30 days

Complaint:
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND EQUIFAX BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY TRANSUNION AND XXXX  BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM 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 2021-06-09
Company: AMERICAN EXPRESS COMPANY
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:
AMEX XXXX Date of last active XXXX There are many errors within this listing. Please check the High Credit, Date of Last Activity, Payment History, Credit Limit and remove immediately or I will pursue further actions. 
AMEX XXXX -Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 
AMEX XXXX-You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used paypal to pay for a XXXX  sandwich through the XXXX  app in XXXX. Fast forward to XX/XX/XXXX, my XXXX  account was used in a different state to make two unathorized purchases with my XXXX account. I contacted paypal and provide proof that I was in my home state the entire day and have never been to there other state. They still dienied my claim bevause I had a purchase agreement from the one time I bought a XXXX  sandwich in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to XXXX XXXX back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted experian, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell experian that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).

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 2021-07-09
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX acquired our mortgage from XXXX XXXX in XX/XX/XXXX. We had auto bi-weekly payments set up through XXXX XXXX and that auto bi-weekly payment continued with XXXX. We had no issues with autopay until our payment that was due on XX/XX/XXXX. We made no changes to our auto payment options, but the XXXX system incorrectly applied all of the payments we made for XX/XX/XXXX entirely toward the mortgage principal. In our XXXX statement, we were surprised to see a late fee because {$0.00} was applied toward the interest portion of the mortgage for XXXX XXXX error caused by XXXX. 

Since the problem began in XX/XX/XXXX, we have received multiple late fees because of the error by XXXX. Despite months of back and forth with the XXXX customer service team ( calls to agents & supervisors made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to try to rectify the situation, the problem still persists. Every time we called we were assured that the problem would be fixed, that the late fees would stop appearing, and that our payments made through autopay would be correctly applied. 

As of today, XXXX has not resolved the problem with their system and continues to neglect our account. Compounding this problem, XXXX has also incorrectly reported that we made a late mortgage payment for the month of XXXX because they continue to misapply our on-time payments. This late payment now shows up on my credit report and has a substantial negative impact on my credit score and that of my partner. Every month we diligently pay the exact amount required via autopay, but XXXX has inappropriately flagged us as being delinquent. 

In summary, we want XXXX to promptly remove the late payment on our credit report and to address the problem with their payment system incorrectly applying our payments.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with Transunion, XXXX  and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, Transunion and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, XXXX and Transunion Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from Transunion and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX and Transunion to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.

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 2021-11-29
Company: PLAZA HOME MORTGAGE, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a notice of foreclosure from Plaza Home Mortgage. 

In XXXX, I purchased a home through XXXX XXXX to whom I made XXXX 's payment ; after XXXX month, the loan was sold to Plaza Home Mortgage. I made XXXX 's payment to Plaza Home Mortgage. I received a letter letting me know that the mortgage had been sold again to XXXX XXXX  with payments being made to them for the XXXX mortgage. 

I received a statement for the XXXX billing from Plaza ; I called Plaza and let them know that the mortgage had been sold to XXXX ; I was told that this would be resolved. I received a statement for the XXXX billing, and again I called Plaza. Once again, I was informed that this would be resolved. I received a statement for the XXXX billing, and as in prior months, I called Plaza. I was told specifically by the collections representative to whom I spoke that she had " opened a ticket to get this resolved '' and she assured me that by opening this ticket, the situation would be resolved, and I would not get any further statements. I guess, since I received a collections notice for XXXX  months mortgage, along with a foreclosure notice, that this was also not correct. 

I have attached XXXX documents : 1. The XXXX bill received from Plaza, which shows that the loan was paid in full on XX/XX/2021 2. A copy of the foreclosure notice. 
XXXX. A statement of all transactions made to XXXX- which also shows that payment that XXXX made to Plaza Home Mortgage. 

As you can see from the XXXX document, all payments have been made on time ( and in most cases early ) to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has repeatedly been calling my mother in law who is XXXX and when she did not answer, they started sending letters. Not once have they reached out to me or my husband. This is all a scam. They need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: MO
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:
Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.

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 2021-07-09
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying Plaza Services, LLC for many months now without knowing they are a collections agency. I was told via phone converstion that they were collecting the payment to be given to the original creditor, a company called " XXXX XXXX ''. I agreed to the monthly payments because they told me that they would not put this on my credit report since I would be paying the original creditor. This was a lie! I looked at my credit report and it shows a collections company called Plaza Services, LLC. I didn't know who they were since I didn't suspect I had anything in collections. I ended up recognizing the monthly payments I've been making. This is how I found out it was a collections company. I never received any offical correspondence informing me of who they were and what my balance was. It was all done via threatening phone calls. I agreed to pay to not have any negative remarks on my credit report on the phone. That was the pressure they used to get me to agree to give them my account information to take out monthly payments. They are still taking these payments out every months and on the credit report it shows a balance owed that is more that what was owed to the original creditor. They are ripping me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 I had deposited {$50.00} to my account. Later I attempted to withdraw {$40.00} from the ATM at this location with my prepaid AMEX-Bluebird Card which the machine indicated to contact my bank. It did not dispense any Money to ME! I went 5 miles to a XXXX to see if I could get a cash back and was told that only {$4.00} WAS ON MY CARD I called AMEX-Bluebird which the first customer service woman said Contact the bank ''. I called back moments later and received another Customer Service representative XXXX who indicated that I should not contact the bank and their Dispute Department would handle it. '' The dispute department filed a claim which I sent the necessary documentation. 
AMEX- Bluebird Investigation reply Hi XXXX XXXX XXXX We received your recent inquiry about the following transaction : We have completed our review and have determined that no credit is due. The transaction will remain on your account because : Transaction Details : Date XX/XX/2018 Amount {$43.00} From/To XXXX XXXX - XXXX VA The ATM provider confirmed the funds were dispensed for the amount requested. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a call from someone who identify as a officer of Social Security Adm. It was a scam, but at that moment I didn't realized it. The person made me send all my money from a savings account ( {$15000.00} ) to a XXXX XXXX  by wire transfer and all my Credit Card from the same account {$11000.00} transfer to a gift card and send it to them at the same time by picture in a text. I loosed all that money and made claimed report to the bank and credit card department.. but as it was authorized from me, they did not accept the claim. I told them, that I understood, but if there was any chance that they could help me with the interest of the credit card.. My credit score was very good and because of what happened now is poor and truly it's frustrating because of ill-intentioned people. I filled a complaint with the police # XXXX, aldo with the FBI and with the Federal Credit Comision. If there's anything you can do or help me with, I will appreciated. This has damaged any plan I may have for the future and has damaged my credit scores that's even worse. I will appreciate your help and will be attentive to your answer.

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 2021-07-09
Company: I.C. System, 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 noticed a collection account on my XXXX  credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX  on XX/XX/2021. I received communication from XXXX  on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX  did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX  again about the issue. I spoke with a representative at XXXX  on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.

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 2020-04-01
Company: AES/PHEAA
State: PA
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:
My loans and my wifes were initially federal student loans I believe through the FFEL program. American Education Services ( AES ) is stating the loans are not federal loans and do not qualify for pause of interest and payments through the CARES act. Ive contacted AES through email, XXXX, and via phone within the past 3 days ( XX/XX/XXXX, XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Navient Solutions, LLC.
State: OR
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:
Navient never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead Navient kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through Navient if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT NAVIENT!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of Navient not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Navient Solutions, LLC.
State: MD
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:
Between the Department of Education and Navient my loans were sent to XXXX  my student loans are at a XXXX balance with XXXX  on my credit report.

My score went from fair XXXX to XXXX poor over night 41 XXXX XXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt.

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP?

XXXX  IS GOING ON ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Westlake Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed an inquiry that was falsely made by WestLake Financial Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After more than 30 days passing from the time the letter was received, this company did not respond to my letter. I did not authorize anyone employed by Westlake Financial Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation