BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Extra principal payments did not go to principle. I was told that i qualified for the XXXX   loan forgiveness program and since they mishandled my payments have not had to make a payment since XX/XX/2015. I have submitted several applications and called many time and they kept requesting more verification and told me every time that i qualified for the forgiveness on the phone but needed more verification letters that were not listed on the application. this last time after three years i was told that I no longer qualified. if their was a problem with my status it should have been disclosed to me on the first application. instead they strung me along for an extra three years of interest. the intent of the extra payments original were to pay down the balance. i let it go because they said the balance of my loan was going to be forgiven. I have worked over 10 years as a XXXX XXXX XXXX. They are deceptive and the whole program sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate / fraudulent account information on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing ownership of the account, and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as FTC Report, police report, as allowable by law to the creditor and credit reporting agencies regarding this errors. The creditor has failed to respond to my request.Despite my efforts, the inaccurate/fraudulent account information remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
In XXXX, XXXX I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, DMI aka Dovenmuehle Mortgage , Inc. to request their participation in the program. In XXXX, XXXX I was notified by DMI that they would agree to participate. I was approved for assistance in XXXX, XXXX and a payment was made to DMI in XXXX, 2022. At the time I applied for assistance and notified DMI, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, DMI began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXXXXXX XXXX  The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted DMI and are claiming that DMI is refusing to correct my credit report. Please contact DMI and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( Experian , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX, , XXXX ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( experian, XXXX, , XXXX   ) , XXXX XXXX Acct XXXX ( XXXX, , Experian, XXXX   ) , XXXX XXXX ( Experian, XXXX, , XXXX ), XXXX XXXX XXXX ( Ex. XXXX, XXXX ), XXXX/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 explanation
Consumer complaint received 2019-09-05
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company keeps calling my distant relatives weekly harassing them by calling early hours of the morning trying to reach me. I've called them to ask them to stop and they continue to do so. I have taken down their contact information and I have screenshots of the texts from my relative complaining to me about it. I would like it to stop, as I understand it, it is illegal to contact 3rd parties for something of this nature.

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 2021-01-21
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Background : XXXX - I signed to refinance my mortgage with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) XXXX - LoanCare , LLC transferred my loan ( loan # XXXX ) to XXXX XXXX  XXXX ( transferred loan # XXXX ) XXXX - Outgoing wire sent to LoanCare , LLC to payoff my loan ( # XXXX ) from XXXX XXXX XXXX XXXX ( Transactee : LoanCare ; Amount : {$350000.00}, pay off calculated till XXXX, Confirmation # : XXXX, Receiving Bank : XXXX XXXX - Payoff Loan no XXXX ) XXXX - When I called, LoanCare , LLC agent confirmed to me that they received the payoff wire on XXXX and sent the wire to XXXX XXXX  XXXX to pay off my loan The issue started from here, in multiple instances ( email and phone ) with LoanCare , LLC agents were never able to provide me any valid evidence that, when they actually sent the money to XXXX XXXX  XXXX to pay off my loan. 

Sometimes they mentioned, money was sent to XXXX XXXX  XXXX by wire, sometimes they mentioned, a bulk check was sent to XXXX along with other payoffs. 

Its been more than 3 weeks now, I've sent more than 10 emails and called more than 20 times to both the organizations, but LoanCare , LLC never gave me a clear answer to what they did, and XXXX XXXX XXXX never responded anything apart from the flat response saying they have not received the money, even though I requested them several time to trace it back from their end. I never get a significant response from either of the organizations that they are actively resolving this issue, apart from some automated boilerplate emails. I am frustrated with both the LoanCare , LLC and XXXX XXXX  XXXX. I am not going to make any further payment on this loan, as it's formally paid off on XXXX with evidence. I am submitting a formal complaint against both the organizations to Consumer Financial Protection Bureau ( CFPB ) to take further action. I am happy to provide any further evidence from my end when needed.

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 2020-01-31
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From the moment my credit monitoring service alerted me that this debt was coming in to my account, I tried non stop to contact Designed Receivable Solutions , Inc . This company has been purposely ignoring all of my written requests to obtain legal proof that the debt belongs to me. They have failed to proof such thing because the debt does not belong to me. However, unlawfully still sent my account to collections damaging my perfect credit score. I am very stressed out and they are now causing me to have health problems because they fail to answer my letters and they debt keeps popping up every month as a collection on my credit report. This is very unprofessional and wrong, someone needs to check on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX XXXX disputed this debt XX/XX/2021 thru the credit bureaus. It came back noted it was valid and accurate. Around this same time XXXX XXXX XXXX noted me and my mother shouldn't be charged the over {$1900.00} listed but {$180.00}. This hasn't been reflected on XXXX, XXXX, or XXXX files. I am still in XXXX  and this has been detrimental to my quality of life. I want this correctly so I can pay this off and move on with my life. This has been a knife in my side for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: NY
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 went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized transactions on my account and I reported them promptly and had my ATM card cancelled and ordered a new one. Regions bank denied me of receiving a credit back toy account for the money that was stolen. I made a police report. I tried to help as much as I could only to find out they gave me the wrong fax number. And closed my claim without returning my money which is clearly taken by fraud. I made my initial report on XX/XX/2022. They still are not trying to communicate with me at all.

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 monetary relief
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies.

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: GA
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 am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. - 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2019-08-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Midland Credit Management to verify a debt on XXXX XXXX that they claim I owe. Midland only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX. Midland did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. Midland is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closes last year, i just opened the credit cards for two months, and i pay the balance every month, and all of a sudden, my account got closed. I have been using other banks for several years, never get account closed from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Today, XXXX-18, I called to pay my Navient Loan and I was told that I couldn't use a credit card. So I went out and got a prepaid debit card, but the automatic system won't process it. The system is very annoying and difficult to use. It has few options and I'd constantly asking and promoting things I don't need. I've called 6 different numbers looking for a person, but they don't have anyone on weekends. Their online system only asks for a bank account, and doesn't let me pay with a debit card even though they said they accept debit XXXX cards. There is no answer at customer service to resolve theee issues. I can't pay them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # 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 an account without my written instructions., 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 an account without my written instructions.

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