BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
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 contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXXT XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to purchase a membership through XXXX XXXX, but it's continuing to deny my American Express card..Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}

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 2019-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was told 2 different bits of information today in regards to 2 involuntary offsets in my accounts, 1 for {$150.00} in my checking and one for {$170.00} in my savings. Huntington says that there were 4 accounts in my name, and I have only ever had my 2 current accounts, and one other account. The customer service rep from financial services advised that they had charged these accounts off, and a lawyer in my family advised that it is illegal to offset an account once it has been charged off. When I called back the 2nd time, I was told the account had been charged off to huntington themselves, and that they had bought it back from themselves. ( yes I know that is strange!! ). I have payments that I have already set up coming out of the account and the need to put the money back. NO ONE ever contacted me from Huntington in regards to any account other than the one that I have already paid off. I am not certain this is not some sort of identity theft, and we would have no way to see, since they failed to even attempt to make sure I had open these accounts they are speaking off. 2 customer service reps did not assist me in any way, and I have been waiting on a supervisor to call me back before the end of the day, and that hasn't happened either. I would like them to PROVE they attempted to contact me in regards to this, they obviously have my phone and address and have sent ZERO notification that this would be taking place. If someone opened an account in my name, would I have any other way of being notified? Especially if there was other contact info used to set the account up. Huntington Bank needs to be held accountable for not banking inside the standards set up by the government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate items reporting on my transition credit report

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 2019-02-21
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX after 26 years of employment my husband lost his job. we were struggling to pay mortgage and applied and were denied a loan modification in XXXX of XXXX. After receiving an attorney letter in XXXX of XXXX regarding the full amount of our mortgage plus interest being due, we called and were told to avoid foreclosure we should request a mediator. We were assigned one with the Superior Court of New Jersey after approximately 3 months. This process was ongoing for approximately ( 7 ) months with various conference calls between the mediator, XXXX ( different rep. each time ) and myself. I have over 53 emails between myself and the Attorney 's office assigned by XXXX asking for the same information over and over. As per the mediator, we were supposerd to have it resolved in 1 or 2 conference calls, however, he would postpone it for another 1-2 months at the banks request for me to send the same information because of " nonsense '' reasons given by the Bank 's representatives. The loss mitigation package contained numerous pages and questions and documentations. Finally in XXXX of XXXX after three " trial mortgage payments '' our loan modification was approved. We received the " loan modification ''. The terms and conditions are not only impossible to recoop from they are not financially helpful nor are they in any terms helpful. The rate stayed the same. Our mortgage balance of XXXX was changed to XXXX. Accrued interestt and Escrow totalling 36,000 + was added to the 18,000 plus " other recoverable advances '' in the amount of XXXX totalling {$53000.00} was added to a Deferred Principal Balance due at Maturity in the year of XXXX. We mortgaged this home in XXXX. So to recap, our principal balance was lowered to XXXX, however, all interest, etc. including the amount they took off our balance is due when we sell. In lieu of all the waiting, frustrations with duplicate submissions, all for a reduction of {$150.00} from what we previously were paying. Nothing was done to financially help us get back on track. Our home was valued at XXXX. THIS CANT BE LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
American Education Services has been calling me about my co-signer 's address being invalid. I have always kept my contact information valid, and I have never missed a payment ( approaching 20 years ). 

I told them that I don't have that information and they keep calling. They even went so far as to send a written letter to my wife 's father 's house, which she hasn't lived at for nearly 20 years. My wife isn't the co-signer. I have no idea how they even obtained this information? 

Just today, they called me two times about this matter.

I requested that they stop calling me about this matter. They said they won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold out to Carrington Mortgage while I was waiting on my insurance claim due to Harvey ... Thousands were affected by this storm so I waited my turn ... I have filled out emailed and faxed numerous documents to Carrington ... They seem to have a different answer and form with each call..Carrington has sent out a inspector and know what my money has been spent on.How long do I suffer because I had proper insurance coverage???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BARCLAYS BANK DELAWARE
State: MD
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:
THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX  WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit report.

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 2018-04-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.

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 2021-08-12
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB for help as I am worried about my home going into foreclosure and the mortgage servicing company is not being reasonable. My loan became delinquent as of XX/XX/XXXX when I, XXXX XXXX became ill having XXXX issues and unable to work. In XXXX, the doctors were not testing for XXXX but I had all the symptoms. Selene Finance put my loan on a forbearance through XX/XX/XXXX and told me they could not extend the forbearance any further. My wife and I paniced knowing we did not have the funds to reinstate the arrears nor could we afford to resume making our regular monthly payments. My wife was working two jobs but it was not enough to cover the household expenses on her own. I managed to find new employment and we applied for mortgage assistance with Selene Finance. After being in review for some time, they offered us a six month trial modification starting XX/XX/XXXX increasing our payment from {$1800.00} to {$2200.00} which is an increase of {$420.00}. They increased our rate of 4.5 % to 6 % then amortized the loan over 40 years but due in 30 years. They even shortened our current maturity date which was XX/XX/XXXX. This results in a balloon balance owed at maturity in the amount of {$120000.00}. 
It seems to be Selene Finance is taking advantage of this situation and putting me in an even worse hardship. I questioned why, being my property is in New York, why I am not being offered the three options under New York Banking Law 9-X with one of the options would be to extend the maturity date by the number of months on forbearance. They said the investor on the loan was not offering this. I am confused as to my understanding, this is a state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and seen Wakefield And Associates on my report. I called and tried to resolve the issue and no one had gotten back to me. I have had a medical card since birth. My medical bill 's are covered with that yet this company is saying i owe. I would like help to get this off of my credit. 

The information is : Date. XXXX XXXX2018 Amount. {$120.00} There are also 2 other companies as well saying I owe medical bills although i called my insurance and they say i am fully covered. The information follows : XXXX XXXX XXXX Date. XX/XX//18 {$1100.00} XXXX XXXX XXXX Date. XXXX/XXXX/18 {$790.00}

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 2020-11-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a medical debt collection from ARS in the amount of XXXX on my credit report. This debt was not mine snd on my XXXX XXXX  they told me if I paid it, my credit score would XXXX XXXX up by 21 points. I disputed it and my credit did not go up as they were incorrect posting this charge against me. Im trying to purchase a vehicle and I have 155 on time payments! This is not right!

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 2018-09-25
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX  repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX  after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX   again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact Experian. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.

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 2021-04-02
Company: EQUIFAX, INC.
State: IL
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 contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX

Company response to consumer: Closed with explanation