BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: TN
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX at XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: AES/PHEAA
State: DC
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:
FedLoan Servicing ( run by the Pennsylvania Higher Education Assistance Agency ) has repeatedly put my loans into forbearance due to their inability to properly process paperwork and unreasonably extended the amount of time until I am eligible for Public Service Loan Forgiveness ( PSLF ) by 9 months. 

I graduated with roughly {$150000.00} in federal student loans ( all XXXX XXXX, XXXX and XXXX XXXX XXXX in XXXX and began payments in XXXX XXXX. My loans were first with XXXX XXXX XXXX XXXX and were then transferred to XXXX XXXX. 

I submitted my first PSLF certification paperwork in XXXX and my loans were transferred from XXXX XXXX to FedLoan in XXXX XXXX. For some reason, despite the fact that my Income Based Repayment ( IBR ) plan was valid until XXXX XXXX, FedLoan put me in the XXXX XXXX plan. When I called to get this fixed, they said they saw that I was on the IBR plan at XXXX XXXX and it should have transferred, but they would put my loans into forbearance while they tried to work this issue out ( and failed to mention that would mean those months would not count towards PSLF ). After about 4-5 months, they finally acknowledged I should be in IBR and payments resumed. 

In early XXXX, when I later transferred from the IBR plan to the Pay As You Earn repayment plan, they took several months to process this paperwork and again placed me in forbearance during this time. No one mentioned the impact this would have on PSLF. 

When I checked on my account recently and saw the estimated PSLF eligibility date was now XXXX XXXX when it should have been XXXX XXXX, I called them for an explanation. The customer service rep stated that because I was placed in forbearance during those two incidents for a total of nine months, I lost nine months of eligibility. When I explained that the only reason I was put in forbearance was because FedLoan had failed to properly process documents both times, the service rep stated that there was nothing that could be done and that the PSLF rules simply state any forbearance periods do not count towards eligibility. They did not offer any solution and refused to credit me some of the months that were due to their own processing problems. 

I think it is wrong that the consumer is punished for problems the loan servicer has in processing paperwork in a timely manner. I could understand losing a month or two ( and likely would n't have written in ), but 9 months represents a significant portion of time added to my loan repayment plan. I noticed that the Massachusetts Attorney General filed a complaint regarding this very issue, and that the CFPB has already received many complaints along this line, but wanted to add my voice to the chorus to help drive home how often FedLoan is doing this to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management , Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a XXXX XXXX account. It was a business debt, XXXXXXXX XXXX never produced a signed contract, it was not labile. Also, the account is being re-aged. I DEMAND : THE DEBT BE FORGIVEN AND THAT MIDLAND SENDS A RELEASE OF LIABILITY TO MY EMAIL. 

Account information below : Account number : XXXX, date Opened : XX/XX/2020, credit Limit : {$2000.00}, original creditor : XXXX XXXX XXXX XXXX XXXX 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Re-aging account Reporting account without a signed contract with original creditor. Negligence Unfair business practices Based on all the damages and violations that I have been through I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports and a release of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: World Omni Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went in to purchase my first " mom '' vehicle for my XXXX birthday I had my XXXX to trade in and $ XXXX to put down. The salesman was focused on " getting me in the lowest monthly payments '' somehow I ended up in a lease and not a purchase and they are charging me what 2 cars would cost. I have been trying to correct it literally since the day I drove the car off the lot. I also thought I was financing through Toyota XXXX whom I have financed 2 other cars through but its actually a fake company pretending to be Toyota XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-05-01
Company: Receivables Outsourcing, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently in collections with XXXX XXXX Hospital for a bill that I already over-paid. The hospital owes me the sum of {$65.00}. 

In XX/XX/2017, I went to XXXX XXXX Hospital for an XXXX on my XXXX. A few weeks later I received a bill for the amount of {$440.00}. I promptly paid this bill and have a receipt for the transaction. 

A few weeks later I received two additional bills for the services, one from XXXX XXXX in the amount of {$45.00}, and the bill from XXXX XXXX Hospital for  {$370.00}. This is the bill they want me to pay. I paid the XXXX XXXX bill as this was a third party service associated with the services that I received at the hospital. 

To resolve the issue with XXXX XXXX Hospital, I called their billing department many times over several months but they were not able to find my previous payment. After months of trying to get them to resolve the issue, they sent my information to a collections company which is now requesting that I make the additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there. 

Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX   complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX the holder and controller of the XXXX XXXX credit card lower my credit limit on XX/XX/2018 based on my credit rating. OnXX/XX/2018 the company closed my credit card without notifying me. The card had no due balance and I recieved no explanation as to why my card was closed. I investigated and neither XXXX XXXX  or XXXX could inform me as to why my card was closed. My credit rating was lower when I recieved the lower credit amount then when they closed my account without my knowledge. 

I was informed by XXXX that this card closure adversely affects my credit and also the credit decrease. It appears that this company functions to adversley affect individuals credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage began servicing my mortgage recently, with the first payment being due to them in XX/XX/2019. Firstly, I believe that the payment options Carrington provides to consumers are unacceptable and are being offered with mal-intent. The previous mortgage servicing companies I have dealt with, of which there have been many, were able to offer reasonable, accurate, and no fee payment options that any American consumer would expect to encounter when conducting this type of routine business. It is simply unacceptable to demand a fee to make a simple electronic payment. 

Secondly, I have made payment to Carrington on XX/XX/2019 through my credit union 's bill pay feature. Carrington received my payment, but did not apply the excess payment to my principal balance. Instead, Carrington has applied the excess payment as future regular monthly payments - this is a blatant attempt to collect more interest and is completely at odds with consumer interests. I called to correct the issue, and was told it would be corrected. However, it has not yet been reflected in the records. In addition to this, I was told that if I continue to make my payments in one of the very few fee-free payment options they provide I would have to call in and correct this exact issue every month. Needless to say, that is completely unacceptable. The only other fee-free option provided to me without the hassle of calling in every month does not allow me to make additional principal payments in excess of $ XXXX/month. I am currently attempting to make additional principal payments that exceed this artificial cap put in place by Carrington. I feel that I am being unduly burdened in order to make a simple mortgage payment. I have only encountered this situation with Carrington and no other banks or mortgage servicing companies. Please correct this issue, whereby I can make my mortgage payment with additional principal without unfair burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX EQUIFAX MORT Miscellaneous and public record Inquiry date : XX/XX/XXXX EQUIFAX MORT Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
US BKPT CT MO XX/XX/XXXXC Account Info Reference Number XXXX Court Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX CT MO XX/XX/XXXXXXXX Account Info Reference Number XXXX Court Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/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 2022-10-27
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: 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 Data 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 explanation
Consumer complaint received 2022-10-27
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: 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