BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
After reading the article about XXXX lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on the XX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points. XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of $XXXX but I pay $XXXX and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and XXXX   has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point XXXX  has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up XXXX them for do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I had my credit pulled when applying for a Mortgage with my Employer. Upon doing so, I find your Company is reporting on my CBR with regard to my sale of my home, the account number # XXXX. I am disputing the credit reporting and your company agreed to not reporting this back in XX/XX/XXXX. Please correct these errors as soon as possible. I appreciate your attention with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Investigation took more than 30 days

Complaint:
I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX, I applied and was approved for two Chase credit cards. My applications were approximately seven hours apart. On XX/XX/XXXX, I received my first credit card in the mail, a Chase XXXX XXXX, and I also received a notice by letter that my second account, a Chase Freedom Unlimited card that was approved and opened for four days, was closed for two reasons : 1. Too many accounts opened recently. 
2. Sufficient credit available with Chase. 

Having the account closed by Chase after being approved and opened is underhanded at best, and it negatively affects my credit rating through no fault of my own. If the rules were in place prior to approval then my application for the second card should have been declined. My credit record is something that I manage closely. I did not randomly apply for two different cards. I specifically applied for two cards because they offer different and complimentary reward structures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX, XXXX, and EXPERIAN each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, XXXX, EXPERIAN and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.

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 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had 9 accounts that were negative and became late in early to XX/XX/XXXX2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file.

One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that Transunion sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. XXXX has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, Transunion, XXXX and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.

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 2021-08-16
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  refuses to take my name off early warning services all debts have been paid and they refuse to update the information that was cross reference with my social security number. I contacted early warning services this morning and was told to contact the institution the supervisors of XXXX XXXX XXXX  have no means to help. XXXX XXXX XXXX  is the worst financial institution because they cross reference my ssn with a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job XXXX XX/XX/XXXX during the pandemic. and fell behind on my mortgage payments in XX/XX/XXXX. I contacted select portfolio mortgage company and let them know the situation in XX/XX/XXXX and ask for a mortgage mortification or any help i can receive from them. Select portfolio advice me that they were working on sending me a package as well as working on getting information from my previous mortgage company green box mortgage. I never received any package from select portfolio however they reported my missed payments to credit reporting company. In XXXX I received a call from them telling me that they were giving me a forbearance from XXXX because of the snow storm since I was in a female area. Im still waiting to hear from my mortgage company for a forbearance from XX/XX/XXXX. I can not seem to be able to speak to anyone at this company who understand the situation and can give me the answer to my question. They have now canceled me escrow account which was created to pay my insurance and taxes. I am paying my home insurance every month now because they have refused to pay it. I need help with communication with this company. I need an extension on my forbearance as well as them removing the reported miss payments to the credit reporting company. This company is not helping and I do not want to loose my home. The pandemic had a toll on me which caused me to loose my job. I had to take a job I XX/XX/XXXX for half the pay i was previously getting but that's what I had to do to get back into the work force. Select portfolio is not working with me and I do not want to lose my home.. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JCPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
These are my rebuttal " comments '' from an initial report where I funds were continually and automatically withdrawn from my bank, when I knowingly called and canceled. I must file a new complaint ; they said they paid me : I was informed Experian would give me a goodwill {$99.00} settlement even though *their records* showed no wrongdoing on their part. This payment to me as an olive branch to keep peace with their company. In fact they need an overhaul their business for consumer satisfaction, for transparency and for transactions. One clear example is they put nothing in a communication exchange like other companies via email. They only want you to call in. 

Therefore, conveniently it is their word against mine. 

Additionally when I did find a customer service email, I listed a brief concern I did not receive the {$99.00} and followed up my concern with a voice action with a customer service agent. After 25 minutes of explaining the lengthy concern again, the agent wanted " me '' to reiterate all of it to the escalation team with second complaint to this company about service. 

These business practices are unacceptable to me. 

To add one final clarification my bank *never* received this denomination of {$99.00} to my account. Where are their receipts this deposit occurred? I do not have it. 

I have spent an enormous amount of time to resolve this complaint ; whereby I believe my retribution needs to be more like {$290.00} for the original complaint! It should now even be doubled as a result of chasing them down for their *supposed* {$99.00}. Why Experian could not send the " Goodwill Funds '' to my home address is beyond my comprehension! They currently do not have my banking information, nor do I want them to have it. To me, the best service they can provide me is to send an apology to the home address and whatever they *deem* as " Goodwill '' monitarily!

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 2021-05-02
Company: EQUIFAX, INC.
State: MD
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:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX XXXX, and Equifax all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi promised me XXXX XXXX XXXX miles for opening a new checking account, spending {$750.00} in the first three months, and making bill payments in two consecutive months. They said the rewards would post within two billing cycles. It has now been two billing cycles, and the rewards have not yet posted, despite me meeting the requirements.

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 2021-08-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for over 4 months to get a loan modification due to me losing my job. The co borrower is in Bankruptcy and having a difficult time as well. After I pay my mortgage, I don't have food to eat. I have since taken a job, two counties from where I live. Gas prices has increased. I have submitted everything the modification department requested and was told they had everything. Cardinal Financial has yet to communicate with a response. I'm only behind XX/XX/2021 Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 seen multiple hard inquiries on my trans union and XXXX accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.

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 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I purchased an engagement ring for my fianc, I entered into an agreement for a 12 month - no interest program. Wells Fargo was responsible for the financing. I was told that auto debit would be set up so that the proper amount to close the financing amount would be deducted over 12 months. Instead, the auto debit was setup to only charge me a fraction of the payment amount every month ( they call it minimum payment ) and I am now left facing not only a huge principal to pay back, but also a huge interest on the principal. The bank claims that they provide courtesy calls 30 and 60 days before to remind the customer of the 12 month ending period, but I received no such calls. It has now been roughly 18 months since the financing and despite multiple attempts to resolve this with the bank, I have no success and am ending up paying over {$4000.00} in interest alone! They will not waive any portion of the interest. I feel that Wells Fargo misleads consumers by setting up minimal payments instead of asking the customer to setup the auto debit for an amount of their choice. More importantly, if the auto debit is setup, it is usually setup so that the full amount is paid over the defined period. This is a scam that allows Wells Fargo to earn huge amounts of money at the cost of causing both financial and emotional turmoil for unsuspecting consumers. Please investigate and help protect the interests of people trying to live normal lives.

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 2019-01-04
Company: TD BANK US HOLDING COMPANY
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:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX  credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX  credit bureau : XXXX, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. TD Bank, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: Carvana Group, LLC
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:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.

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