BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: Nelnet, Inc.
State: MN
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:
This account has been removed and has now reappeared on my credit report. This case has been more the 10 years This student loan company has reported multiple student loan and amounts that I never recieved. The school has been shut down due to fraudulent activities. Nelnet has continually reported increasing interest and shown multiple loans and amounts on my XXXX and my XXXX credit report. while my case is a part of a lawsuit against the school that is in pending to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Convergent Resources, 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 information incorrect

Complaint:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2020-10-09
Company: DISCOVER BANK
State: NC
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'VE BEEN IN CONTACT WITH XXXX XXXX  AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Bank has a partial payments section on their monthly statement. Months ago my section was blank zero . then payments were taking thousands of dollars off but not paying off the Principal. Then XX/XX/XXXX Balance was {$6300.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$3800.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$1200.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. Now XXXX Balance was {$930.00} with {$3500.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}, that's 6 payments. When I called to ask questions, they explained they were waiting for me to tell them what to do with suspense account. So I asked to pay off the account. I was told she can give me a payoff for tomorrow 's date. I told her you have my money. I said never mind I will go to the branch and pay it off right now. She told me you can't do that you have to wire the payoff. I asked for her supervisor. ( at this time I was pretty upset, no agree, so I hung up the phone and drove to a Suntrust branch. was met by a personal banker and began the process all over again. After a time on the phone with the mortgage people, she was able to explain and get a better understanding of what was going on? She was very helpful. At the end MY HOME IS PAID IN FULL. Plus a check to me for {$6100.00} So my concern is my Mortgage could of been paid off 5, 6 months ago? With paying interest? and lowering principal and what ever they want? So if holding my money in a suspense account allows them to extend the loan and me paying interest on that money does not seem like right/correct banking practices. Plus I can not be the only one Suntrust is doing this too. How many thousands, millions of others are they holding 4, 5 thousand dollars.????????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with U.S. Bank. My partner XXXX earlier this year and I provided U.S. Bank with the paperwork to effect the assumption of the mortgage into my name only. Since that time ( XXXX XXXX ), I have been unable to access my account online, creating issues with my payments and ability to monitor my mortgage. Every time I click " make a payment, '' I am presented with an error message. 

I have had literally dozens of communications with U.S. Bank, both on the phone and in writing, since first contacting them about this issue on XXXX XXXX XXXX. The problem remains unresolved. While the customer service person with whom I have contact has tried repeatedly to fix the problem, she has been stymied. U.S. Bank is blaming XXXX XXXX, allegedly the software provider for the mortgage system. I have had multiple conference calls with them, logged on through a portal so that they could capture the " handshake '' between US Bank and XXXX XXXX and the error logs. The last thing I heard, XXXX XXXX had failed to capture the logs even though we had a special meeting with them for this express purpose. XXXX XXXX has also allegedly closed the " ticket '' for my concern at least once, even though this issue is not resolved. 
I have been told that other people who had assumptions of U.S Bank mortgages have had the same issue. 

There is no ETA to getting this issue resolved. Please 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 explanation
Consumer complaint received 2019-02-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Zales account with XXXX XXXX was on a hardship program for several months and now removed, notice was received today on XXXX, due to a returned payment. The terms of the program allow a certain number of returned payments in a given time frame before account is removed from program. A payment in the amount of XXXX was returned recently, causing removal because the account it was drawn from is now closed. The account has numerous auto payments scheduled in the amount of XXXX for the XXXX of the month drawing from account ending in XXXX, this is my current bank account. The payment in question, XXXX was scheduled using old account without my knowledge and I do not believe it is my error for it being returned and thus, the account should not be removed from hardship program. If XXXX XXXX  will check, the payment shows drawn from a different account number than my current account ending in XXXX, I was not aware payment was scheduled to draw from closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXXXXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from 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 2019-02-04
Company: Consumer Portfolio Services, 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:
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: VA
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:
After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Nelnet, Inc.
State: PA
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 was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( Transunion and XXXX ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that Transunion and XXXX failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 explanation
Consumer complaint received 2018-05-28
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I PAID MY MORTGAGE IN THE USUAL FASHION AS ALWAYS ON LINE,,, THIS MONTH FOR SOME REASON ALL PAYMENTS CAME IN TOGETHER AND OCWEN COULDNT GET THEIR PAYMENT..TO AVOID CONFUSION I PUT MONEY IN ANOTHER ACCOUNT OF MY DAUGHTERS AND PAID THRU THAT ACOOUNT ON A TAPED LINE AND THEY SCREWED UP THE PAYMENT BY SUBMITTING IT AS A SAVINGS ACCOUNT NOT A CHECKING ACCOUNT THEY DID NOT INFORM ME UNTIL TODAY THAT THEY MADE THE ERROR AND TRIED TO BLAME ME BUT THEN THEY ADMITTED THEY SUBMITTED IT INCORRECTLY ... THEY TRIED TO GET A LATE FEE FROM ME AND THEN TOLD ME I CANT USE THAT ACCOUNT AS IT WAS MARKED INVALID IN THEIR SYSTEM DUE TO THEIR ERROR..THEY CLAIM IT WILL TAKE A WHILE TO FIX AND IT COULD BE MMARKED AS LATE ON MY CREDIT THET REFUSE TO GIVE ME A TIME FRAME TO FIX THEIR MISTAKE ... THEY HAVE DONE THIS TO ME IN THE PAST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I have sent several letters stating my rights as a consumer with the law under 15 US Code 1618b for permissible purpose I did not give consent to have this report my account and the credit reporting agency has yet to fail to comply with my rights

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 2021-03-05
Company: EQUIFAX, INC.
State: NJ
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled in a Private student loan with My Great Lakes. They have failed to give us relevant information regarding interest rates and repayment options and should be considered as corrupt and fraudulent actions against us. They have taken advantage of us with each payment paid and lack of customer service support. On many attempt I have called and made payments designated to a specific loan yet it was assigned to another loan instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: LA
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:
due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.

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