BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX  XXXX was not my original servicer, XXXX XXXX   was. I believe consolidated my loans in XX/XX/XXXX to pursue the public service loan forgiveness ( " PSLF '' ). I have been working in XXXX XXXX since XX/XX/XXXX. When I submit my annual certification for PLSF, XXXX XXXX is not counting my public service while XXXX XXXX was the servicer. I have called XXXX XXXX two times and tried to resolve this. Both times, the agent went back into the XXXX XXXX profile and saw my payments made under XXXX XXXX, but before they credited those monthly payments, they disconnected the phone and did not call me back. Each of these calls took about 45 minutes, and that was my whole lunch break, so I could not call back. On XX/XX/XXXX, I wrote a letter to XXXX   XXXX regarding this, and I have received no response back. I would like XXXX XXXX to properly credit my monthly payments made while working in public service. 

Another issue is that for years, XXXX XXXX and XXXX XXXX refused to send the applications out for loan recertification. After I would call and beg for the applications and supposedly get sent the applications in the mail, which I never received, and then begged for the sites for the applications, I would always send in my applications on time. But it would take these servicers a ridiculous amount of time to " process '' what my new payment amount would be. Because they didn't know what my new annual payment was going to be, I had the option of making a full standard payment, which was basically all my earnings for a month, or going on forbearance, and not having that month count toward my PSLF. This is also an unfair practice, when the rubric for calculating a monthly payment is so simple and completely in control of the servicer. XXXX XXXX has since changed this, requiring documents to be sent in sooner, so they could process the new payment amounts by XX/XX/XXXX or so, but I believe those months spent working in public service and having to go on forbearance because the servicers couldn't properly process the payments on a timely application should also be counted towards my 120 payment total. This happened for four years, resulting in 4 months less counted. If they did this for 10 years, it would take just about a whole extra year to achieve forgiveness, which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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 status incorrect

Complaint:
Late payment error on my account. I had it corrected by the lender a month earlier and it automatically showed up on the other credit reporting companies. Equifax wants 30 days to update my account. I am applying for insurance and my company uses credit score in setting rates. So Equifax wants to drag out 30 days at my expence. Tried to correct and file disputes on line to no avail. Instructed to call after 45 minute and a supervisor who only will go by " Only XXXX In XXXX call center '' She went on to file a dispute and tell me 30 days is the best they can do. She said the problem with my account is someone put XXXX after my name resulting in all the issues. I told her I dont go by XXXX or is it not on my ids. She had the crazy idea I had to prove this by sending in copies of my drivers liscence and social security card and this is to the XXXX to a indivual who would only identify her self as " only XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home loan is serviced by FREEDOM MORTGAGE XXXX. XXXX  XXXX XXXX, IN XXXX. Their website is freedommortgage.com and it is available for online payments. 

On XX/XX/2019 I utilized their website to make an online payment. Upon completion of the payment process, I received a screen prompt advising me that a technical difficulty had occurred and my payment was unable to be processed. I called and spoke with a call taker and processed my payment. The call taker confirmed that my records showed an attempted but failed payment. The call taker confirmed that no payment was processed. I completed the process and made a successful payment. 

On XX/XX/2019 my bank records showed that two payments from Freedom Mortgage had been debited from my checking account. Due to the duplicate payment, I now had a large negative balance, overdraft fees and I was broke. 

This was a duplicate payment and it was an error by the online system. On XX/XX/2019 I contacted Freedom Mortgage and was advised I made the payment and they could not help me. I was told I could request a refund, but I would need to provide a bank statement. I provided the statement but then was told a refund wasn't possible but they would look at my statement in 24 hours. I spoke with a manager and was advised I might be able to be given a refund, but that it would take 48 hours to review my statement and over a week to complete the refund. 

Freedom Mortgage did not admit to the error. I was accused of fraud and I was told it was my fault. I disputed the transaction with my bank and that investigation is pending. 

I was treated unfairly, a duplicate transaction was taken from my account without my authorization, my request for a refund was not taken seriously and it was denied. I spent over an hour on the phone without any resolution and was told conflicting information. My online mortgage account transactions appear to not be secure. I am broke and now responsible for overdraft fees. This incident was no fault of my own.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: TX
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 TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. 

I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. 

I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  XXXX This creditor states I was Late on Dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX This creditor states I was Late on Dates : Late Dates : XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX THIS INQUIRY IS NOT PERMISSIBLE

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 2020-05-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To whom It May Concern : I am filing a complaint again Experian Credit Reporting Agency. I am very applauded and embarrassed. On XX/XX/2020, my place of employment reached out to me and informed me Experian mauled a copy of my credit report with my work address and listed me as the addressee. 

As long as I have been alive I have never requested Experian to mail my personal credit report to my job where my CEO opened up the mail and had it scanned to me via email. 

This is embarrassingly upsetting. I have been going back and forth with Experian to remove incorrect information off of my credit report. To think this occurred is very traumatizing and produces a lot of fear. 

I never requested or have permission to anyone to mail my personal credit report to my place of employment.

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 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding Loan # XXXX ( XXXX ) XXXX XXXX Closing : Bank of America ( lender ) located at XXXX XXXX XXXX in XXXX, Ca XXXX recorded a Deed of Trust in the XXXX XXXX Accessor office with me as a borrower ( Trustor ). I did not sign this document. The signature using my name was not signed by me. I did not apply for or agree to pay this mortgage on my home. The amount of unpaid debt on the Trustee 's Deed Upon Sale document is {$760000.00}. The amount paid by XXXX XXXX XXXX South Dakota XXXX ( the Grantee ) was {>= $1,000,000}. The Deed of Trust was recorded on XX/XX/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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}

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 2018-05-01
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
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: Personal information incorrect

Complaint:
Experian currently reports the following account inaccurately. 

Account under the name : XXXX XXXX  This account currently reports both my name and address inaccurately a violation of FCRA rules section 1681 This account currently reports inaccurate balance and paste date of activity a violation of FCRA rules.

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 2019-08-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There is a dispute between the company I work for and another regarding services rendered. I saw emails last month back and forth and responded to one ( per my boss )  asking for receipts. I spoke to XXXX on the phone another time, explained that I did not know much about the dispute but would try to help by forwarding information. On XXXX, I received a call on my personal cell from XXXX XXXX, Debt collector at Hillcrest, Davidson & Assoc L.L.C. XXXX called first from my boss 's # ( XXXX spoofed his caller ID impersonating him with his phone number so I picked up the phone thinking it was my boss ). He started talking about me paying the debt and calling me names. I told him I am an employee of the company, don't make decisions regarding payment, asked how he got my # ( didn't know my last name ) & stated it is illegal to spoof a #. He said he is good at what he does and kept demanding payment. I told him not to call me back as I am a 3rd party and would report him. He immediately texted me from unknown # XXXX with the following texts I am attaching ( I am not sure if he spoofed that # as well ). He was extremely unprofessional and tried to intimidate me. Moreover, it was extremely disturbing that I am not the person/company he is collecting a debt from. 

Company info per the email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX Direct XXXX Office XXXX www.hillcrestdavidson.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX-XXXX-XXXX {$100.00} Medical / XXXX XXXX XXXX XXXX XX/XX/2018 I have called numerous times to get a copy of proof for this claimed outstanding debt. Twice I have been told something would be mailed to me and three times I have been told they have requested proof from the provider and never have I received proof nor does my insurance carrier have any record. Please remove this claim from my record or send me a full summary of my bill, including the data of service, claims filed with carrier and an address to pay the bill.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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