BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  FINAN-6XXXX-Balance {$6500.00} XXXX XXXX XXXX XXXX XXXX-Balance {$540.00} XXXX XXXXXXXX XXXX-Balance {$540.00} XXXX XXXX XXXX-Balance {$870.00} XXXXBalance {$0.00}

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 2019-10-03
Company: EQUIFAX, INC.
State: CA
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:
Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, Equifax, XXXX XXXX won't even release any of my information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Just when we thought wed signed our modification documents, SPS is at it again. They sent us our original modification dated XX/XX/2019, which we signed, notarized and sent our certified check on XX/XX/2019 to be delivered by XX/XX/2019. We just received a new modification with completely new terms, new percentage rate, new balloon at the end, and its now adjustable not fixed. That was dated XX/XX/2019 and delivered to us today. 

Ive attached the documents. Parts 1 & 2 are the new modifications, Parts 3 & 4 are the originals. Ive bulleted the main points below : 1st Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Signed XX/XX/2019 Delivered XX/XX/2019 Monthly due {$1500.00} fixed Percentage rate 3 % Balloon at end of term : {$130000.00} ( interest bearing ) In addition to another balloon : {$34000.00} ( no interest as I understand ) 2nd Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Monthly due {$1700.00} adjustable Percentage rate 4.25 % Balloon at end of term : {$210000.00} ( interest bearing ) Total Balloon on extended amortization is {$250000.00} Original loan amount : {$240000.00} We made 3 TPP payments of {$1700.00} on XX/XX/2019, XX/XX/2019 and XX/XX/2019 per TPP arrangements/guidelines.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


FSNB, NA has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-10-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint is against Comenity bank / XXXX, account # XXXX XXXX XXXX XXXX, open XXXX, credit limit {$500.00}, in XXXX balance at the moment. I sent a dispute letter to the mentioned company back on the XXXX of XXXX by mail because it is the only way you can dispute with them. Checking my reports and saw no dispute marks, they not only disregarded my dispute letter but they didnt even took the decency to investigate my account after receiving my dispute notice. This is a clear violation to the Fair Credit Reporting Act. This mentioned company has a late mark in my account which I was never late. Their negligence as evident is causing me a great financial problem. I do not want to take this case to court, but this unfair business practices, negligence, fail to investigate my account and if I seat down with my lawyers the list of violations will just increase. Im using the  Consumer Financial Protection Bureau as my last resource to try get this company to remove that negative mark from my reports and provide me with a deletion letter through CFPB portal as soon as possible. If I have to take this case to court and let a judge decide this dispute I will. Im attaching letter I sent to them and proof of that they received the mail. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX  XXXX {$540.00} XXXX {$0.00} XXXX XXXXXXXX {$540.00} XXXX  XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Debt Recovery Solutions, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report, through XXXX, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It  states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report. <P/>The company attached to this false report is : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY-XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
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 am a victim of identity theft

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 2019-10-03
Company: EQUIFAX, INC.
State: FL
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:
I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/21 at XXXX - I asked the Manager with XXXX XXXX  to reverse a {$25.00} fee because I was misinformed by the bank. They rudely REFUSED to reverse the fee even when it was not my fault.

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 2021-04-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Every time I talk to the company at least local branch and the branch in New York all they do is tell lies. Now theyre charging me a {$35.00} overdraft fee for {$100.00} and they still in my checking account. I want the XXXX branch of XXXX XXXX XXXX. and XXXX XXXX I want the main workers there to be imprisoned. The security cameras for ATM machines security cameras inside the bank especially the ones around XXXX XXXX and XXXX need to be monitored and their computers need to be tested by someone that can tell if things have been altered including all IT systems because their bank statements dont match ATM machine receipts from right outside in the lobby. This is the fifth report about TD Bank in the last week they should be banned from doing business in the United States at this point because theyre stealing money. I never withdrew any money yesterday and now they are charging me an overdraft fee for the charges. In the past when Ive spoke with them they just try to say it its all my fault. Im done trying to deal with this bank. I want a federal investigation into every account Ive ever had with TD Bank. Than you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First I would like to say I am an heir to this property. as well as the executive of the estate. My late brother XXXX XXXX passed in XX/XX/2019. I have been making the mortgage payments through my bank account. Mr. Cooper, who brought my loan gave me a really hard time and would not discuss anything concerning the mortgage. I have on numerous occasions fax them information on who I am and my interest in the property. Finally, in XXXX they acknowledge that I was the successor and offered me a XXXX deferment. I explained to them I was to shelter in place due to my age and pre-existing health challenges and was unable to continue working at my part-time job driving for uber eats. 
What they did as I near the end of my deferment was unacceptable they told me a young lady by the name of XXXX that the 3 payments would be put on the back of the loan. She said on XX/XX/XXXX I would make my regular payments. Then about 1 week before my payment was due ( XXXX ) I called them and they informed me that the underwriting dept denied my claim. They never sent a letter to inform me.of this What they sent was a modification letter. I feel they should get their facts straight and quit treating me with so much disrespect. I struggled to send them the 3 months of forbearance plus the current payment for XXXX they are not honest people at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX I have been disputing an item on my credit report, reported by a debt collection agency known as Transworld Systems. I have repeatedly advised that the account they are reporting does not belong to be. They sent me a copy of the bill from the original creditor, XXXX XXXX. This bill listed my name, a service address, service dates in XX/XX/XXXX, and cost of service during the service dates in XXXX. I have provided documentation, including a copy of a deed that proves the service address was not owned by me ( nor is it anyone I know ), and a copy of a lease that proves I did not reside at the service address and my address was completely different. Despite this evidence, the account continues to be reported on my credit reports. I have requested debt validation and have asked for any and all evidence/documentation used to determine account accuracy on their end. I have also advised them of my rights under the fair credit reporting act, as well as their legal obligations. They continue to tell me that they will not remove the account because they were only a 3rd party hired to collect and that they do not have any obligation to prove account accuracy. When I requested to speak with another supervisor today, they " transferred me '' but only lead to a disconnected call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CITIBANK, N.A.
State: PA
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:
My girlfriend opened a best buy credit card in 2014. I was denied for being a co applicant. but they told her they would send them a card with my name on it too. because they made me an authorized user. I didnt have access to any account information i couldnt call to pay a bill she had to do all of it. we broke up. and i had her call and take me off the authorized user because we were no longer together. so she did that. but now the credit card late payments are showing up in my name. on my credit. she told me the account is closed now. and that she doesnt even have the card any more. But its showing on my credit.

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 2022-02-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX , a known bad actor, and we have been waiting years for BDTR to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX0/month. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 pulled my XXXX credit report today XX/XX/2019 and I applied for American Express plum card on XX/XX/2019 and American Express pull my credit report twice with XXXX  and refuse to remove on of the inquiry and Ive been sending documents and they never responded or return my calls .... and Im asking them to remove the duplicate inquiry off my XXXX  report and its been few months and Ive havent heard from them the application number for the business plum card XXXX and I have the copy of my XXXX report and I also noticed that there was a inquiry back in XX/XX/2019 for a American Express green card and I never applied for it and I received a letter saying it will be removed off my XXXX  but its still remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened.
I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ).
<P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA 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 2018-01-02
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
A supposed debt collector is trying to say I didnt pay cash call when In fact cash call sold my debt and I paid off that debt collector now theyre harassing me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation