BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: NV
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:
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The case and complaint I have regarding the dealings and legal court battles with US Bank corp are too vast to post here. I have summarized the initial dealings in a letter to US Bank Corp CEO, XXXX XXXX XXXX in XX/XX/XXXX. Since that letter was written, we have endured ( 3 ) Probate suits, and ( 2 ) foreclosure suits. We are currently in the second foreclosure court action, and have spent over {$20000.00} in legal fees, with little end in sight. To have a multi-billion dollar corporation mercilessly spend tens of thousands of dollars all for a $ XXXX home that all along has had people willing and able to assume the debt, they chose to intimidate and harass us unceasingly to the point of having to file a chapter XXXX bankruptcy just to have them talk and negotiate with us. We continued to make our payments as permissable and until into XX/XX/XXXX, when US Bank decided to no longer accept our payments. Additionally, In the last round of " negotiations '' this last year, the offer they made to us was a equivalent to " bullying '' on the playground. They offered us to maintain the $ XXXX/mo payment as well as then paying an additional $ XXXX/mo for their lawyer and other fees from court and payments. How utterly ridiculous and arrogant of them to assume that. They were well aware that $ XXXX/mo was a much larger payment than required, and is also why we were trying to have the loan modified an assumed in the first place. This leaves me with a earlier proposed question, : what does a multi-billiion dollar corporation need with a $ XXXX home? 

All we have ever wanted was to take over the mortgage for our home ( from our deceased step father ) and allow us to keep our home and the bank make a profit from the loan. They have done nothing short of being unethical, unfair, and outright greedy concerning the entire matter. Please read the letter below, and feel free to contact me with further questions. We only wish to keep our home that we love and have worked hard for. 

Please remember that since the letter attached was written, nothing has changed, the Bank is still mercilessly attacking us to take our home! 

PS : I have more than ample amounts of documentation substantiating our statements. 
Thank you, 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 2020-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Consumer Financial Protection Bureau - Equifax complaint XX/XX/2020 I have been unable to refinance a home mortgage because creditors can not access my Equifax credit report due to a security freeze. 

On XX/XX/2020 I unfroze my credit reports with XXXX and XXXX XXXX through their web interfaces, but when I tried to lift the freeze through MyEquifax.com the site said I was unable to do so and that I should call Equifax customer care at ( XXXX ) XXXX. 

When I called Equifax, I was given automated instructions to fax or mail documents verifying my identity. I faxed a copy of my California driver license along with other requested information that same day Wednesday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX I called Equifax customer care again and this time I was able to speak to a representative. I asked if my fax had been received and when the credit freeze would be lifted. The representative said it takes up to five business days. 

On Monday, XX/XX/XXXX I called Equifax customer care again to get a physical address where I could mail the identity documents. That same day I sent via the US Postal Service a copy of the same identity documents that I had previously faxed. The letter was addressed to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

On Wednesday, XX/XX/XXXX I called Equifax customer care again and a representative told me he was unable to verify receipt of any of my documents. I faxed them once again to the number previously provided by Equifax, ( XXXX ) XXXX. Both times I sent the faxes I received verification from my fax service that the faxes were received. 

It had now been a week since I initially tried to lift the security freeze. The lender I was working with insisted they needed credit reports from all three bureaus. So I moved to a second lender, who ran my credit reports from XXXX and XXXX XXXX while waiting to run the Equifax report. So now I had two hard credit inquiries while still not being able to complete the transaction. 

Today, Thursday, XX/XX/XXXX, it has been over two weeks since my initial request to lift the Equifax freeze. I just tried to sign into MyEquifax.com and received the same message I received on XX/XX/XXXX : Please give us a call - We can't complete your request at this time. 
Please call the Customer Care team XXXX I have temporarily abandoned my attempt to refinance the mortgage and when I start the process again I expect to have lower credit scores with XXXX and XXXX XXXX as a result of the two earlier hard inquiries. There are also two faxes and one letter in some unknown location containing my most sensitive personal information. 

The lack of response and concern by Equifax in my opinion is unlawful and appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

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 2019-02-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Although I have been paying on my student loans since XXXX, I've noticed that the balance of same has not gone down that much. In XXXX, I filed for chapter XXXX bankruptcy ; however, my Navient student loans were included in the repayment plan. Since the discharge of my bankruptcy in XXXX, I have continued to pay on time, the full amount of the loan. During that time, I noticed that the loan payments were broken up and then without notice, they were added back together. This, in my opinion, was in an attempt on Navient 's part to charge more interest. Since XXXX, the amount owed for my student loans has barely changed. I addressed this with the customer service and was only told that the interest is charged up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

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 2019-09-18
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Fay Servicing, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to resolve these concerns with Fay Servicing , LLC since transfer of my mortgage XX/XX/XXXX, while in the midst of a modification with the prior Servicer. The transfer of the loan changed the terms from XXXX XXXX  ( since the loan inception in XX/XX/XXXX ) to non-XXXX XXXX, limiting my consumer protections and thus substantially altering the terms of my loan. Despite the completion of the TPPs, Fay immediately began making demands for escalating amounts of monthly payments ; significantly altered the terms of the modification ( while telling us for a year that Fay was obligated to honor the terms of the prior Servicer ) ; lied to XXXX escalation dept stating the mod was HAMP Tier 1 ; lied to CFPB stating the terms of Fay 's mod was more favorable than that of the prior Servicer ; Fay backdated documents and NEVER executed the contracts or returned fully executed documents to me ; refused to provide an accounting of alleged principal error ( and now denying principal error despite the legal dept stating this in response to CFPB ) ; application of tens of thousands of dollars of " misc fees '' including several $ 14K fees ; misappropriation of payments ; demands for arbitrary payments ( altering the monthly demand from {$1300.00} to {$2000.00}, and changing the principal from approx $ 316K to more than $ $ 400K ) ; failure to apply full payments to alleged " suspense funds '' ; dual tracking the loan while payments were current and informing me to " just ignore '' these dunning legal notices ; refusing to honor a year of promises that all payments, credits, and fees would be correctly applied after Fay completed its acct assessment ; refusing to put any information in writing ( including specifically refusing to answer questions we were instructed to put in writing ) - a behavior that is noted on the CFPB site, the RI Atty Genl 's website, and those of other consumer advocacy agencies to be of high concern for fraud. In addition Fay 's deceptive and duplicitous financial dealings, their arbitrary and capricious misapplication of funds and fees, and wreaking havoc with my mortgage and stressors during a time of medical crises, Fay has also utilized harassment and bullying tactics to dual track my account, and to discriminate against us for XXXX and the use of XXXX funds. 
Despite the CFPB 's Consent Order against Fay in XX/XX/XXXX, Fay has ceaselessly continued its abusive and coercive tactics. Fay continues to mislead the consumer, dual track my acct, apply exorbitant fees without explanation, extort monies I can not afford, continually threaten default and foreclosure, discriminate against us based on XXXX and the use of XXXX funds, and REFUSED a $ XXXX Hardest Hit Funds award that I was granted ( after initially accepting ) and that would have assisted significantly in making payments affordable and thus avoiding foreclosure. 
-- PLEASE SEE ATTACHED MORE EXTENSIVE EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: SYNCHRONY FINANCIAL
State: CA
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-07
Company: Bread Financial Holdings, Inc.
State: CA
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX re-aged their collection account to adversely affect my credit. My last bill with XXXX was XX/XX/XXXX, but it is being reported to XXXX as placed for collections on XX/XX/XXXX. This was reporting correctly until about XX/XX/XXXX when the " Placed for Collection '' date changed to the incorrect date. This dropped my credit score 29 points for no reason at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to Covid my student loans have a {$0.00} balance due and 0 % interest rate. I have never missed a payment and have paid the full balance every month. Despite this, MyFedLoan is now reporting a " past due balance '' every month of {$0.00} instead of " paid as agreed ''. 

This is causing my credit score to plummet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have disputed incorrect late payments and incorrect names to Experian, XXXX, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

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 2021-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery which was XXXX XXXX I told them it was Identity theft and they said it was not true but the government knows my Ex did fraud in the United States and he stole my social security and used those cards I had when I left to CA to get a divorce I didnt know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage is claiming that they have not received my payment for XXXX. My payment posted to my bank account on XX/XX/XXXX a day it was due. They're also stating that only partial payments have been made for the past several months, but that they see that my full payment was made but is being held in some other account. My bank has sent them copies of my payments. I have spoken to at least 40 different people over at CitiMortgage all who tell me a different story. Nobody can tell me where my money has gone, or why they are telling me that I'm in foreclosure even though my statement say that I am current on my mortgage, with the exception of the missing XXXX payment that they can not find. I recently had a bankruptcy that was discharged, and I had made all of my payments to the bankruptcy court and received final payments have been made to both my first and second mortgage. Citi mortgage is my second mortgage. Multiple people at Citi have told me that the reason that I am in foreclosure with them is because my first mortgage with XXXX XXXX is in foreclosure. However I have called XXXX XXXX and they state that I am not in foreclosure and that my account is current with them. They are waiting for the release of the bankruptcy. I have called CitiMortgage everyday for the past 2 weeks and spent multiple hours on the phone, trying to get this figured out. CitiMortgage just keeps passing me off to the next person and can not tell me anything about what's going on. I am highly disappointed in the level of customer service, and the lack of respect that I've been given by CitiMortgage. Moreover, I do not feel like I can trust that my money is being credited to my mortgage anymore or if it's going someplace else.

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 2022-08-10
Company: Dynamic Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : Dynamic Recovery Solutions LLC ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.

Company response to consumer: Closed with explanation