BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: OCEANSIDE MORTGAGE COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 Oceanside changed it's processor. I sent a manual payment using their software for XX/XX/2017 and attempted to set the the ACH transaction for further payments. 
As far as I could determine, the payment was set up correctly. It appears that it was not for XX/XX/2017. 
Unfortunately, I was not able to monitor this failure to process a payment since my wife had undergone a second XXXX to XXXX  a XXXX  XXXX   XXXX  in the space of three weeks. Additionally, we were still dealing with the aftermath of a XXXX  XXXX of a XXXX  XXXX  earlier in the year, with wound XXXX complications. 
Also, I had XXXX with XXXX to respond to both Hurricanes Irma and Maria spending over 37 days in the field. With my wife recovering from surgeries and my being gone it was difficult to keep any control over what was going on. 
I realized that an issue occurred reviewing XX/XX/XXXX banking transactions. I had a conversation with Oceanside and set up a workout program to make things whole. 
Unfortunately, not trusting the software that Oceanside had set up, I sent manual payments through my bank. It appears that these payments got lost at Oceanside and did not post appropriately. 
Thus Oceanside is marking these as delinquent even though payments were made. Multiple attempts to contact them have not resulted in any resolution of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: AES/PHEAA
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 status incorrect

Complaint:
Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: LEXISNEXIS
State: DE
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:
The 3 credit bureaus XXXX XXXX and XXXX, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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 have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is an amendment to Complaint ID  XXXX , submitted on  XXXX - XXXX -2014. Please refer to the attachment submitted here because I want to know if it has any bearance on my problem with chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Snow and Sauerteig LLP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested both verification and validation from the company and the send me a copy of the bill. I also checked and they are not licensed by the state of Ohio secretary to collect a debt in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My complaint is against XXXX, Transunion, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX, Transunion, and XXXX. The problem that I am having is, XXXX, Transunion, and XXXX, still have payments late for year XXXX and XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX, Transunion, and XXXX responsibility to correct the problem and XXXX, Transunion, and XXXX says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on 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 2018-08-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. 
-- -- -- -- -- -- -- -- -- -- -- - Experian will not delete nor remove this item from account ever when I provided proof under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/XXXX Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

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 2018-08-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My debit card was " duplicated '' and used to place fraudulent charges on my bank account in both mine and another US state ( I have the original card in my possession ). In attempting to place a fraud alert on my accounts with the three credit bureaus, the following problems occurred : XXXX appears to use a third party to take sensitive, identifying information and report the information to them. One must input or say your social security number, name, date of birth and other sensitive, identifying information over the phone or online to an automated system. Experian and XXXX also require the same information, but the information appears to be handled by them. XXXX   announced in XX/XX/2017 that its accounts were hacked. There does not appear to be ANY agency who has a live person available to help a consumer decipher the safety of its accounts. Secondly, why do these companies require a consumer to use their social security number as identification when it clearly states on MY social security card that this number is NOT to be used as identification? Who really protects the consumer with this wide-spread problem? And how do we know our information is secure when reporting online or by automated phone services?

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: VANDERBILT MORTGAGE & FINANCE, INC
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hi my name is XXXX XXXX and I am complaining on Vanderbilt Mortgage.. I am under bankruptcy.. I have a insurance claim that was filed under my Insurance. They are giving me problems with issuing out the money to get the home fixed.. I have took out money out my account to get home fixed because they have been prolonging with sending money to fix and pay when the job is finished.. when I call them they dont seem to care but they are holding on to insurance money that I pay every month for my home to be protected and this is by far the worst experience that Ive dealt with.. because I love my home and theyve waited 2 months for my home to be fixed after my insurance company did their job to make sure that my home gets fixed.. Ive sent everything they always ask me to send and I give them days to process that and when I call back they come up with something else for me to send in.. & again this has been going on for 2 months.. Ive had other damages in between this time because of storms and rainy days coming through.. This is the worst finance company ever ... I feel as if they are defrauding my insurance..

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 2018-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Despite repeated disputes and calls to all 3 credit bureaus, each account reporting with each bureau is in violation of my rights under the FDCPA. Bankruptcy account filed by myself as well as my ex-husband is reporting inaccurately as Chapter XXXX, and keeps verifying as accurate despite submitting documents showing correct Chapter XXXX filing, and now too old to remain on file. Have called bankruptcy court, told they do not report to bureaus? Also told by both XXXX  and XXXX XXXX that debt re-aging is not illegal, when it is, while article discussing re-aging currently on homepage, accounts that arent mine repeatedly verifying as accurate, despite calls to original creditors verifying i do not have an account on their files, state tax lien appearing on only one report illegally, and medical bill balance steadely increasing a few dollars at a time, lowering credit score further with each occurence. And also not my account. Unable to apply for SBA loan until these violations are removed ; ex-husband can not afford a new much needed car loan as well, due to low credit score resulting in unaffordable rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2018, for four months I have been attempting to access my completed disputes. All they say is we are sorry you can't access the information and I'll transfer you from dispute resolution to customer service and then it is back and forth. apparently they have been working on their system for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I  NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF 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 2020-07-01
Company: EQUIFAX, INC.
State: GA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Bread Financial Holdings, 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:
XX/XX/2020 inaccuracies was reported to my credit by Comenity on my XXXX  and Victoria Secrets. Iam requesting to be removed due to being inaccurate. In addition, a payment and a payoff was made in XXXX. The payoff was made on XX/XX/XXXX. The Payoff Cleared my account today XXXX, XXXX, 2020. And Comenity portal is still showing I have a balance. That is a violation of the Fair Credit Reporting Act and is causing harm to me. Please remove the inaccuracies in credit reporting and report my credit as paid in full never late and remove any over 30 day delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: MOHELA
State: NV
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:
Since submitting my TEPSLF forms in XX/XX/XXXX, I have regularly followed up with my loan servicer, Mohela. On XX/XX/XXXX, I received notification that all of my forms were reviewed and processed, and my qualifying payments would be updated. I also called and confirmed with a representative that all of my forms had been approved for the listed dates, which totaled over the 120 months required for loan forgiveness. 

However, one of the files I had uploaded contained two forms, and it was not entered correctly. A call to a representative resulted in the form being resubmitted for another review to ensure that both employers ' dates were added to my qualifying payments. 

On XX/XX/XXXX, I received a message that my approved dates had been added, but only 95 and 112 qualifying payments were added. Of the two loans listed, the one given 95 qualifying payments is eligible for 122 payments, and the loan given 112 is eligible for 139 payments. When I called to find out more, I was informed by Mohela that they would continue to enter additional dates, as many of the dates from my approved forms had not yet been added. 

I once again called on XX/XX/XXXX to find out why no additional dates had been added to my account and my resubmitted form had not yet been processed. The representative told me she would submit an expedited form that should take 3-5 business days at most to ensure that all of my approved dates would be added and the resubmitted form would be processed. As of tonight, five business days later, my resubmitted form still says it was cancelled and nothing has been updated on my account. 

I have spent well over a decade working in public service and would like to have my loans processed and forgiven so I can move forward with my life goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/15 XXXX I disputed with credit report and still being contacted as owed. I asked for proof and havent received it. I dont want this collection added to my credit report ( Credence XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/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 2018-08-27
Company: SYNCHRONY FINANCIAL
State: CT
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:
Gap card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XXXX, 2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent GAP the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.

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 2018-08-27
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. 

Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?

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 2020-07-01
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:
XXXX XXXX/XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud and Experian  along with XXXX  has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of lying frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.

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