BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: ALLY FINANCIAL INC.
State: OH
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:
About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed 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 2017-11-01
Company: Navient Solutions, LLC.
State: FL
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:
Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-08-07
Company: Synergetic Communication Inc
State: MI
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:
They keep calling looking for some strange Male. The name is foreign sounding. I've told them numerous times my number doesn't belong to who they claim to be looking for. They lied to me this last time, tonight, they have never spoken to anyone at this number. That's a lie because I've heard the strange name before. I've read online this number is a scammer. Please shut them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent a letter to Experian Security Freeze requesting a freeze be placed on any file concerning my wife and me. I included all information Experian requested except the SSNs of my wife and me. I was able to effectuate a freeze with XXXX and XXXX without disclosing either SSN of my wife or me. 

Experian had steadfastly refused to grant the freeze by using alternative questioning in lieu of providing the above mentioned SSNs. Ironically their last mailing to me contained the last 4 digits of my SSN. I  need them to freeze any creditfiles they have on my wife XXXX and me. My last letter to Experian was dated XX/XX/XXXX. Their reply was dated XX/XX/XXXX. I spoke today with someone at Experian but no progress was made.

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 2021-10-24
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that was notified to me last week thru XXXX XXXX, And it is regarding a medical bill of a lab work I had done last XX/XX/2020. This lab work was part of a FREE XXXX XXXX XXXX I am taking. It is sponsored by XXXX XXXX XXXX anr has always been free. The way it works is every three months I go to the clinic of XXXX XXXX XXXX, they do the lab work and my insurance covers only the treatment because the Doctors visit and the lab work is free, apparently covered by XXXX XXXX XXXX. 
So in this case XXXX XXXX didn't pay for the lab work, processed at XXXX XXXX XXXX and this last company after sending the bill for the past 12 months to the Doctors office sent the bill to collection. 
Because the were sending the bill to the Doctors office I never knew about all this till XXXX XXXX notified me. 
The debt is {$460.00} dollars. I contacted all this people and they said its not my responsibility but the negative report is still there and i am being hired by a major bank at the moment, which wont hire me if I have any credit issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Upgrade, 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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX breach and may have got into the hands of the wrong person.

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 2017-11-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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 have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions XXXX 3 times XXXX and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian refuses to state in my credit report that the debt initially reported by XXXX XXXX XXXX is actually paid. The XXXX balance of the debt sold to another in no way actually indicates that the sold debt by XXXX XXXX XXXX was actually and subsequently paid by me. 
In addition, contrary to the existing laws, in XXXX of XXXX Experian allowed XXXX XXXX XXXX to update the information on the debt XXXX XXXX XXXX no longer has owned since the year of XXXX. Experian refuses to post the information that I paid the debt in question to the new creditor XXXX XXXX XXXX on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

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 2017-11-01
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI contacted me saying that I supposedly owed a debt. 

Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. 

A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. 

AFNI never verified the debt and they are still showing up on my credit report? 

I sent them a few letters and they never validated the " so-called '' debt. 

I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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