BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TrueAccord contacted me via email stating I owed on a credit debt of {$2600.00} from an account in XX/XX/2007. XXXX XXXX  was apparently the original creditor. I do not have this account on my credit history. I am not familiar with this account at all. 
I tried to dispute the account via TrueAccord website and I was forwarded to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
Due to misapplication of electronic payment ; payment in amt of XXXX dollars should have been applied XXXX XX/XX/2020 ; this is reported by XXXX to Experian as the date of last payment. 
However, The alleged Default is because the payment was manually misapplied to the wrong account ( see next page ). Since the misapplied payment would have prevented the default, and since the accounts were in forbearance and deferment, the CO status as reported is false and misleads potential creditors to believe that it was negligent in managing my repaying my student loans.

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 2021-11-17
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX***-Balance {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Long story short, I am in the process of closing on a house with a VA loan. We found out that Wells Fargo was not reporting my truck payments for over a year on a loan that was opened on XX/XX/XXXX. I had no idea that this was the case until my home loan was going into underwriting and my loan officer brought it to my attention as it all of a sudden appeared on my credit report as of XX/XX/XXXX. I went through pre-approval in XX/XX/XXXX. Wells Fargo essentially had my loan reported as in forbearance for over a year even though I was making all of my payments and on time. 

I am expecting to close on a house on XX/XX/XXXX and Wells Fargo claims they can not expedite the reporting fixes and the letter that the finance company is requesting to repair my credit report. I began discussions with Wells Fargo on XX/XX/XXXX and have spoke with them every day since. They still can't answer when this will be resolved and claim they have escalated the case. 

I am a first time home buyer trying to utilize my VA loan. With interest rates being as high as they are today, it's already tough. I would like to be able to close in a timely manner before it gets even worse.

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 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have these accounts and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Social Finance, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied to SoFi to refinance a private student loan in the amount of {$29000.00} on XX/XX/21, because they were offering great interest rates, following a short inquiry. Upon seeing my rates/terms, I proceeded with the application, which requires a hard credit pull. Assuming at this point it's a formality, since I was already offered terms based on a the quick inquiry. Upon submitting my application, it was under review for several days. On XX/XX/21, I received notice that my loan application was denied for the following reason : Does not offer credit on the terms requested. 
Not fully understanding what that means, I called and spoke with their customer service representative, who didn't seem to understand the issues and started by giving me multiple excuses that didn't make sense. After putting me on hold for a while, they returned to tell me that they won't offer terms on loans if the school I attended wasn't a XXXX XXXXXXXX school. This is incredibly misleading because at no point does this application process turn you away, or warn you that if your school isn't listed, or if it's not a XXXX XXXXXXXX school, they won't offer terms for refinancing. They even provide an option to select " other '' if your school isn't listed, and give you the opportunity to provide your school. Had I known this piece of information prior to submitting the application, I would've opted out of submitting to avoid a hard pull on my credit. Their entire process is misleading, by making it seem like they have terms that you're pre-approved for, and then turn around and deny the loan for the original loan not being tied to a XXXX XXXX school. Now I have a hard pull on my credit report, which I am stuck with for two years because of SoFi 's misleading process. This is without a doubt the most unprofessional business I have ever encountered regarding financing, and they need to fix their application process rather than duping people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE 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:
transunion was supplied with legal docs to fix the false reporting that i owed XXXX XXXX XXXX dollarson excise tax for XXXX on a car i returned to them in XXXX thus canceling the lease after the mass attorney generals help they have reported the correct info thus the other credit reportind co. have fixed my report and my fico score is back to XXXX excellant but not transunion just tried to help my daughter get a lease and vantage score is still XXXX fix it back to XXXX like it was before all the 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 2019-12-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been trying to pay XXXX and they are unresponsive to emails. They have reported to XXXX, XXXX, Experian that my account is charged off. They have also reported the account multiple times on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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: Information belongs to someone else

Complaint:
Date last reported XX/XX/2019 {$3600.00} Faxed, mailed and called about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to section XXXX XXXX XXXX XXXX XXXX in amount of {$710.00} must removed from my credit report from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ClearPath Lending
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We receive multiple letters per week advising us that we " have yet to take advantage of programs sponsored by the Department of Veterans Affairs ; you are entitled to a payment and rate reduction through VA eligibility lending programs. '' Usually it's a refund of between $ 1,400-2,500. 

The phone number is usually an ( XXXX ) area code, but the full number typically changes. The most recent one was ( XXXX ) XXXX. There is no listed address.

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 2023-10-01
Company: MOHELA
State: IN
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:
On XX/XX/XXXX2023 I called Mohela and asked to speak to a supervisor ( XXXX I believe ) and she confirmed my SAVE Income Driven Repayment Plan for loan sequence # 22 of {$750.00} for a household income of approximately {$65000.00} a year was incorrect. She also confirmed I am not due to recertify until XX/XX/XXXX. I NEVER self report income and always send income information through the IRS link. She put in a request to have my IDR plan reviewed. The next day under Documents Received it showed IDR processing with a date of XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I received a notification loan sequence # 22 was placed in an Administrative Forbearance. Under Documents Received it still showed the IDR plan processing with a date of XX/XX/XXXX. I called Mohela on XX/XX/XXXXXXXX  and asked to speak to a supervisor ( XXXX I believe ) who advised that my loan was placed in Administrative Forbearance because more time is needed to process the IDR request. She also confirmed my payment amount is incorrect and I am not the only person with this issue. I expressed my concern that I would not qualify for PSLF for any month I am in Administrative Forbearance. I was told it could be corrected to qualify for months in Administrative Forbearance but am skeptical. I inquired about requesting to remove the Administrative Forbearance but she advised the XXXX bill most likely would be the {$750.00}. I decided to wait to request the removal of the Administrative Forbearance to see if my IDR plan would process. 

On XX/XX/XXXXXXXX  I logged into Mohela to see that my IDR plan was canceled. I DID NOT request this to be canceled! I did not even request to apply for the SAVE IDR plan. I am confused why when I recertified most recently the payment was approximately {$50.00} a month for loan sequence # 22 and then in XXXX it jumps to more than the standard repayment amount. I am frustrated because I will not qualify for PSLF for the month of XXXX and potentially additional months until this is resolved. I SHOULD NOT be penalized for mistakes Mohela has made! I have been on top of my loans ever since they went into repayment in approximately XXXX. I am at a loss at what I can do to get this resolved since I thought the IDR review would correct it eventually but now it is canceled. 

I am currently in the last 10 months of 120 payments for PSLF. I have 7 of those months completed but need to certify my employment. I planned to certify my employment following the 10th month which would be XX/XX/XXXX. Mohela 's errors are jeopardizing 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 2020-01-24
Company: Experian Information Solutions Inc.
State: NV
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 submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by Experian XXXX   or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.

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 2021-11-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been struggling to repay this loan for some time and have also been trying to get the cosigner released for some time as well. Navient would not work with me to lower the monthly payments. Most recently I had a baby in XX/XX/XXXX and have not returned to full-time work yet. I finally, with help from my mother on the call, got Navient to lower the interest rate and provide me with a payment that is affordable. On XX/XX/XXXX we paid {$130.00} as requested in a letter they sent me. On XX/XX/XXXX the payment of {$140.00} cleared and on XX/XX/XXXX another {$140.00} cleared. The next payment is due to come out on {$140.00}. I am in complete compliance with the payments. However, just this week, both the co-signer and myself received correspondence from Navient indicating that the loan was delinquent and on the verge of default. The next day we received another letter indicating that the account was being transferred to the legal department for further collection as we have made no attempts to correct the problem. I believe that both of these letters are violations of the FDCPA and they are false, deceptive and misleading statements about the current status of my account. We called Navient upon receipt of these letters and were told that the letters are automatic and can not be stopped. This means that Navient is aware that letters with false information and letters containing threats that can not be legally taken are willfully being sent out to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a concerning matter regarding a collection account held by Jefferson Capital, with the original creditor listed as XXXX. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. 

Upon reviewing my credit report, I was surprised to discover an entry from Jefferson Capital, claiming an outstanding debt related to a purported transaction with XXXX. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both Jefferson Capital and XXXX, and they have been unable to provide any substantive details or evidence of this debt. 

In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with XXXX that would lead to this debt. Additionally, both Jefferson Capital and XXXX have been unable to furnish any supporting documentation or verifiable information regarding this account. 

I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. 

Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation