BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through FedLoan Servicing for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing this complaint regarding Bank of America and a loan they service where I am trustee. They refuse to provide any information on the mortgage and have sent me a letter regarding default even though I began making payments after my forbearance. 
I am responsible for managing the account as trustee and I have provided all necessary document several times over the past 2.5 years. After several faxes in branch and out of branch along with a typed letter that was mailed to them at their request. I was able to get authorized in the estate department about a year ago, but the customer service in the mortgage department still refuses to speak with me because they are a different department. 

I have provided every document they have requested on multiple occasions and have spoken with several managers at 3 different level. One manager said that they found the documentation, but that it was identified incorrectly in their system and that he didnt have authorly to authorize me, but that he would call me back. This has been the same story I have been told by two other managers since early XXXX. I have jumped through every hoop that they have asked and all I am asking is for them to be fair to me as well. They have all trust information on file, letters sent to them, faxes sent to them and I have not received any correspondence or progress on this. I have been dealing with this for two years. Any guidance and assistance would be greatly appreciated.

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 2021-10-19
Company: Central States Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Identifies themselves as CSR. I have asked them repeatedly not to contact me by phone and that I would not verify any information over the phone because I've been a victim of identity theft. The agent on XXXX XXXX became argumentative with me when I restated that I've asked them multiple times not to contact me by phone. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PlusFour, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I wrote a letter to PLUSFOUR because I saw an account I did not recognize on my credit. That letter dated, XX/XX/2021 was returned to me! That can not be! I sent the letter to the address reported on my XXXX  report on XX/XX/2021. They did not have their proper address reported to XXXX! That violates the FCRA! PLUSFOUR, who is a data furnisher, must report 100 % factual information about me to the credit bureaus! They have clearly failed! They can not even report their own address correctly! It also violates my right to dispute an account as granted under both the FCRA and FDCPA! I demand justice right now!

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 2021-10-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Caliber Home Loans has put my mortgage in a Banruptcy Status with them and they have reported to my credit that the account is in Bankruptcy as well. 
I have never filed bankruptcy on them I did file 2 years prior to getting the loan. I have made multiple attempts to them and nothing is getting done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
XXXX XXXX XXXX XXXX Date of inquiry 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 2017-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Receivables Performance Management, LLC
State: FL
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:
Negative Credit reporting by the company for a debt that I do not owe.

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 2018-10-05
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. 
I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX   XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We made a final payment to XXXX XXXX XXXX on XX/XX/XXXX and settled the debt owed to a hospital from an emergency room visit. 
On XX/XX/XXXX another collection agency, Wakefield and Associates, Inc, sent a letter attempting to collect that same debt that was already paid. Wakefield was contacted by us and they were asked for details about the debt they were attempting to collect. Once the interest that Wakefield was charging us had been subtracted it was found the details for that debt matched the debt already settled with XXXX XXXX XXXX. Both agencies, as well as our own copy of an original hospital bill have an original balance of {$290.00} and the date of service as XX/XX/XXXX. On XX/XX/XXXX a letter of dispute was sent to Wakefield and on XX/XX/XXXX a paid in full notice from XXXX XXXX XXXX was sent to them. Wakefield has again contacted us on XX/XX/XXXX attempting to collect a debt that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-10-19
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Old information reappears or never goes away

Complaint:
I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past  due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to XXXX. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked XXXX and Experian to reinvestigate the inaccuracies to no avail. I have reported them as recent as 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 2022-02-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have tried for several days to contact the department Synchrony directed me to in order to cancel the " Card Security Program '' on my card, at two different numbers. Every time I call, I get a recording that due to circumstances beyond their control, my call can not be taken at this time. There is an automated cancellation system also, that does not work. I have tried to cancel through customer services and I am told no one can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: EnTrust Funding
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a mailed advertisement offering a 30 year fixed rate of 1.875 % APR 2.089 on XX/XX/XXXX. I called immediately upon opening the mail, XXXX the same day. The company representative, XXXX XXXX, explained that he was with EnTrust Funding, LLC, DBA of XXXXXXXX XXXX XXXX. He asked me questions about my qualifications and took my date of birth, address, email, phone number and social security number over the phone and said he wasn't sure he could still honor that rate event though I was calling the same day I received the letter. He said he would get back to me with a quote after pulling my credit. I answered all of the questions he asked about my qualifications. When I didn't hear back from him, I called the next morning XX/XX/2021, and was told he could not offer me that rate. I asked what he could offer, and he said he couldn't help me. However, rates have not gone up more than a quarter of a percentage point over the last three weeks, yet he said he couldn't give me anything close to what was advertised, despite the fact I have a perfect mortgage credit score, perfect debt to income ratio, and over 50 % equity in my primary residence. I asked why they would mail out a rate offer that they never intended to honor and he told me " Sorry I can't tell you why, I just can't help you. '' How is this legal? A 30 year fixed rate with an APR or 2.089 at 1.875 % hasn't been available ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. XXXX XXXX are billing me for this amount.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my SS was stolen and i have taken the necessary steps to alert all credit agencies and to freeze my credit. 

When I tried to log into Experian to do these steps, i got an alert that my account was set up under another email that is not me! When I try to reset the Experian account, it indicates it is sending the info to the hacked account ( with pin ). 

I have called all the numbers available ( during scheduled business hours ) to let Experian know someone now has set up a false account under my name. and I can not speak to anyone in person! Its unreal and alarming. why cant experian have someone to talk to in person?! Especially when dealing with fraud I have attached the screen shot of the fake email that is not 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 2022-03-08
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-12-27
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: Account information incorrect

Complaint:
I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: TX
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation