BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial services has failed to process multiple payments in a timely manner including for XX/XX/XXXX. They keep blaming a " delay in mail '' on this issue. I sent the XXXX payment on XXXX XXXX, XXXX and it was not processed until XX/XX/XXXX. I was on vacation when I realized the payment was going to be passed the late fee date so I called customer service ( which is always a joke to deal with ). They did nothing but tell me the mail was late. I had to call multiple times and try to stop payment on the check which I was unable to do while on vacation. A representative told me they had stopped the payment on their side, which was a lie. I then scheduled a payment so I would not get tagged with late fees. XXXX  payments then got taken out of my account, one on XX/XX/XXXX and the other on XX/XX/XXXX which caused me to incur fees from my bank. I called to complain but nothing was resolved. Now I am having to deal with them not providing me with a 1098 tax form. It was allegedly sent via mail on XX/XX/XXXX but got lost to a " delay in the mail system ''. My tax information is also not posted on their website and I am having difficulty getting them to provide it. This includes a request on XX/XX/XXXX in which I was told I could not have both a print and emailed copy sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I contact Ed Financial Services via email and requested my prior servicing history. From XXXX - XXXX, my loans were serviced by XXXX XXXX XXXX and were transferred to Ed Financial Services on XX/XX/XXXX. The email I received from Ed Financial on XX/XX/XXXX stated that they would send me my full payment history in XXXX XXXX days. I never received it. 

In XX/XX/XXXX, my loans were transferred from Ed Financial to XXXX. XXXX is unable to approve my public service loan forgiveness application because they are waiting on my payment history from XXXX - XXXX. Ed Financial Services has not provided them with this information. Ed Financial Services should have received this information when my loans were transferred to them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Rocket Mortgage, LLC
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:
XXXXTo whom it may concern, XXXX XXXX ( with her long title that she gave me and clearly not the one in this email ) was of no help, smug and very condescending. She only reiterated that it was all my fault. I was the one who was required to give information. It was NOT Rocket Mortgage job to make sure they pulled the proper name. She also reiterated that no matter how low my credit score dropped it did not matter what the Rocket Mortgage employee told me. They were NOT required to verify any information. They had the right to put my signature on all their documents and was not required to go over them ( Pulled my credit with XXXX XXXX XXXX and then again on XX/XX/22 in the proper name, dropping my credit 10 points. Also, I made a big deal because my credit came back at XXXX. I let them know on several occasions that it was to close to going under 740. They stated it wouldnt be a problem and MAYBE AT THE MOST 1 point, needless to say the next day I got notification it went down 10. Also it show to pull on my report. GIVEN WRONG INFORMATION AGAIN. They failed to tell me about a portal, where all my documents would be, and nor were they required to go over them with me. 

As long as I gave my OK to pull my credit, they were NOT responsible for ANY documentation in their possession. 

Just horrific service and I am sure there are regulations that say differently.

Also I was not made aware of a portal until the 8th day of my loan ( unprofessional ) thats when I found out that my name was spelled wrong ( XXXX XXXX ) ( thus the second pull ) XXXX XXXX. I was told my credit would not dropit dropped 10 points. This is going to be on my credit report for 2 years. I was give wrong information BUT since I authorized the pull, I am at fault!!!! 

I want the extra pull from my credit report removed!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I disputed the following inquires with Equifax and within a few days their response was that everything was confirmed. You would think with their Breach that they would be more vigilant regarding accurate reporting of the inquires. They already have a black-eye because I was one of the people who's information was leaked. 
So not only did they not do a proper inquiry into my issues, they did made me feel as if it was my fault that 10+inquries some from the same company would be on my report dropping the score. 
XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/game Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Bank XXXX XXXX from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX Inquiry from XX/XX/XXXX Half of these I don't recognize and some of them have repeats ... .how could you not investigate these issues given the fact that they are not accurate and they did not even do their due diligence. I'm insulted that they answered the inquiry in days like they didn't even bother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/2023 Experian, XXXX and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.

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 2023-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediatly. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SOURCE RECEIVABLES MNG Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX This is the fifth company that XXXX has contacted to collect debts that are not valid. I have disputed four other collection company attempts successfully because they could not validate the debt because it does not exist because it was paid and it will stop here and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-08-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 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
Consumer complaint received 2023-06-08
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In a recent copy of my credit report ( Confirmation # XXXX ), Equifax reported no payment activity during a XXXX year period ( XXXX XXXX XXXX ) on any of XXXX credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by XXXX, while XXXX XXXX  XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the XXXX period under review and for which monthly data is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I did not receive a statement or other notification from Barclays ( servicing Old Navy Navyist Rewards card ) regarding a payment due on account. The first notification of late payment was from my personal bank credit score monitoring program advising that my credit score had been reduced from XXXX to XXXX. 

After seeing that Barclays had filed the negative item on my credit report, I tried to access my online account. I could not remember my password and I tried to restore access via automated methods. When this did not work, I contacted Barclays customer service who first advised I did not have an online account, but later found that Barclays had a " do not contact '' feature enabled on the account. Barclay 's customer service had to restore access to my account and waived the late payment fee. Once access was restored, I immediately made the payment. Shortly, thereafter, I received a letter advising contact had been restored on my account.

I do not dispute the amount owed, but I dispute Barclay 's making no effort to send me a printed statement or reminder via text, email, or other method before negatively impacting my credit score for something that could have been resolved in minutes, which could negatively impact my score for years.

I filed a dispute with each of the credit bureaus, with Barclays FCRA Credit Disputes Department, and wrote of my dissatisfaction with Barclays business practices to Gap Inc Customer Relations. 

Each of the bureaus advised that I should resolve with Barclays. Barclays advised that because the amount was past due, they would not be removing the negative reporting from my credit report. 

Below is the timeline of events : XX/XX/22 : received notification of potentially negative activity on credit report XX/XX/22 : contacted Barclays customer service : account access restored, late payment fee waived XX/XX/22 : paid account balance of {$150.00} XX/XX/22 : received letter from Barclays that my request to " resume all communication regarding [ my ] Navyist Rewards Credit Card Account '' had been restored XX/XX/22 : certified letter sent Barclays FCRA Credit Bureau XXXX department received XX/XX/22 : disputes filed with 3 credit bureaus XX/XX/22 : letter sent to Gap Inc Customer Relations Again, I do not dispute the amount owed or that the payment was late. However, I was unable to access my account, and Barclays made no effort to contact me to inform me of the debt. Nor to my knowledge did I ever change the settings on my account to receive no contact from Barclays.

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 2020-01-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both Experian and XXXX  wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX  is the only company that I can freeze my credit score online. 

Thank you very much 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 2020-08-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I been a best buy Citi card customer for around five years now. In such time, I am yet to make a single payment late nor used any amount past the account available balance. In any case, a little over a year ago I made use of my best buy Citi card and an interest-free promotional period. The special at the time offered purchases above a certain amount interest-free for a period of one year. To be clear at no point in time was there mention of the promotion being deferred or the interest having to be charged back to the principal at the end of the promotional period. However, that is exactly what best buy Citi card resorted to. Upon termination of the promotional period, interest was charged back to the account, which lead to an increase in balance of over {$460.00}. Subsequently, the balance was reported to all major credit reporting agencies, and the added interest began to accumulate interest of their own. Needless to say, The increase in balance also leads to an increase in minimum payment and of course higher interest accrued monthly. I personally contacted best buy Citi card on the subject via phone and e-mail and every case their position has been to stand by such practice and refuse to honor their promotion and to refund such overcharges to my account.

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 2020-01-15
Company: Law Offices Howard Lee Schiff, P.C.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The " Law Offices of Howard Lee Schiff, P.C. '' sent me a letter saying, " Thank you for your recent credit card payment. The information regarding this paymemtis listed below : Authorization Date : XX/XX/XXXX Payment Amount : XXXX Last Four Digits of the Debit Card : XXXX '' I have never communicated with this " law office '' and never authorized any money to be paid to them. 

I have no debit card ending in XXXX. 

There is no transaction for {$150.00} on either of my checking accounts. 

I have no idea what this " debt '' is, or what this letter is about, unless it is an attempt to draw me into communicating with this firm. 

The letter came from this address : Law Offices XXXX  XXXX XXXX XXXX, CT XXXX I am a XXXX veteran with XXXX  XXXX. I just opened this letter today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Home Point Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We built a home in XXXX on 10 acres. Our loan was sold to Home Point Financial Corporation out of XXXX XXXX, TX. In XXXX we notified them we wanted to build another home on our property and needed them to release a 4.5 acre parcel. They gave us the detail process, costs, and timelines. We completed everything they asked, paid $ 10s of thousands of dollars to release the property. We provided details and appraisals that the $ 200k loan we still owed on the XXXX home with 5.5 acres would have a substantial amount of equity that would not put them upside down on the Loan to Value. In fact, there is over $ 120k in equity on the XXXX home. Now theyre not responding and weve purchased over $ 100k of windows, lumber packages, etc for the next home because we completed everything they asked. They will not return phone calls or emails. They are holding OUR land hostage for no reason. They will also not cooperate with other financial institutions to let us refinance the $ 200k loan with another firm so we do not have to do business with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation