BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
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:
The issue at had is with my current mortgage company XXXX XXXX. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: PA
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:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CADENCE BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Cadence Bank merged with Banccorp South to become a new Cadence. This is also the month my homeowner 's policy was set to renew. I renewed with a new company called XXXX. My homeowners policy when I purchased the home in XX/XX/XXXX was XXXX. I had coverage with XXXX until XX/XX/XXXX and then I picked up coverage with XXXX to begin XX/XX/XXXX. The premium for XXXX was paid in XXXX, however, rather than pay the full premium for XXXX, Cadence paid the bill monthly so that I could build up escrow. The last bill that was due to XXXX for coverage provided from XX/XX/XXXX until XX/XX/XXXX was due in XXXX but never paid by Cadence. I kept getting emails and bills in the mail from XXXX about this, as well as threats to be turned over to collections. I informed Cadence of this, had to explain myself about 50 times until they finally said they understood and that it would be paid. The next letter I got was a notice that I had been turned over to collections. I've fought with Cadence for the past 2 weeks to get them to pay this bill, which now has to be paid to the collections agency rather than XXXX or it will keep me in collections. They refused and instead, AGAIN, said they would pay XXXX. That was today. I'm stuck in collections now due to no fault of my own and I've not gotten so much as an opps I'm sorry from Cadence. No one seems to act with any sense of urgency. I'm at my wits end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have never missed a payment and my account is not past due but XXXX  XXXX XXXX notified Transunion that I am. 

XXXX  XXXX XXXX NA # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Balance ; Date Updated ; Past Due ; Rating. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$31000.00} DateUpdated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX High Balance : {$36000.00} Credit Limit : {$57000.00} Past Due : > $ XXXX< Pay Status : >Account 60 Days Past Due Date< Terms : {$330.00} per month, paid Monthly >Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX for $ 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 2020-05-31
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: Investigation took more than 30 days

Complaint:
FAIR COLLECTIONS & OUTSOURCING is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Personal information incorrect

Complaint:
I Would like my credit file 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 non-monetary relief
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: MA
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/2018, JP Morgan chase closed all my 4 credit cards account without notices, with no reason. 
And Chase also closed my checking account with no reason, no notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, 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:
To : The Consumer Financial Protection Bureau, I would like to submit this complaint regarding a charge off for an equity line of formerly held by XXXX XXXX. This loan was valued at approximately {$49000.00} when I was affected by the natural or declared disaster known as hurricane Irma. I then contacted XXXX XXXX  for advice and was informed that I was eligible for a mortgage assistance program due to the affects of hurricane Irma. XXXX XXXX  mailed me the application for mortgage assistance, and I completed the application and faxed it back to them. I received a letter from XXXX XXXX  stating that my application for mortgage assistance was complete and they received it on XX/XX/XXXX. This letter stated that because XXXX XXXX  received my completed application, certain foreclosure protections would apply. The letter also stated that Foreclosure activity will cease and that they would not make the first notice or filing, whichever is applicable, while my complete application is being evaluated. 
On XX/XX/XXXX, I received a letter stating that due to a recent internal business change I was reassigned to The Homeowner Support Team to assist as my Homeowner Support Specialist. I was not aware that at this time they were already reporting to the credit bureaus that my loan was charged off as of XX/XX/XXXX. XXXX XXXX  was also reporting to the credit bureaus that my account was late as of XX/XX/XXXX in the amount of 120 days past due up to XX/XX/XXXX when they reported that I was 180 days past due. I faxed XXXX XXXX  a letter stating that an error had been made regarding my loan and that it was being reported as a charge off to all three major credit agencies Equifax, XXXX, and XXXX. I have uploaded proof of correspondence with XXXX XXXX  relating to the Mortgage assistance program as well as receipts from XXXX XXXX proving that I have been paying {$500.00} per month since XX/XX/XXXX. I would like for this Charge Off from XXXX XXXX  to be removed from my credit report with all three agencies Equifax, XXXX, and XXXX. 

Thank you XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Apple Card ( Goldman Sachs ) continues sending me statements with a balance that does not make sense, even after I closed the account and paid the amount that THEY told me was the total balance in full. In other words, the balance is more than the net sum of credits and debits. They seem to have messed up and installment purchase at the XXXX XXXX. In any case, even after paying the total final balance in full - more than I thought i owed -- they are still saying it's not done. 

This started in XXXX and after I got a statement that was impossible to understand. The math didn't ' add up -- by their own admission. I talked to 3 different reps and none could solve it. After one call in XXXX that lasted 2 hours -- I finally agreed to pay of the entire thing including the installment purchase in full and close the account. Even though the total seemed too high and didn't make sense. I wanted to be done with it. So I sent payment on XX/XX/XXXX and the account was closed. 

Now, 2 months later I am being sent emails saying I owe more. So today, Sunday, I spent 2 more hours on the phone with a rep. We went through transaction by transaction and it showed I had paid MORE than the total of my expenses. ( Each bill was paid in full each month - other than the 0 % interest installment purchase at the XXXX XXXX ). So this has nothing to do with accumulated interest charges. I paid the bill in full each month. 

She was very helpful but even she couldn't figure it out. By her own admission it didn't make sense. She went to get a supervisor - and I end up on endless hold. And after another hour of waiting on the call, she never came back and abandoned the call. So no resolutions. 

I would be willing to pay the balance they say I owe - {$130.00} if I thought it would go away and end the matter. But that is what I did in XXXX and that didn't work. I am quite sure that I could send the {$130.00} and next month I would be asked for more. 

Goldman Sachs can not reconcile my statement to the sum of transactions and payments. I have no confidence in their ability to resolve this so I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TCF NATIONAL BANK
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2016 which l have no idea about it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
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:
I have a line of credit with XXXX XXXX XXXX XXXX of XXXX. Upon check my report with Experian I noticed they are showing the account closed. I have contacted them to have a the account updated. They mention that XXXX XXXX is reporting the information to them. I contacted XXXX XXXX and the account is open in good standing and has been since the date it was open. I have asked Experian to update the correct information and they have failed to.

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 2020-05-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: LEXISNEXIS
State: MI
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:
On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2018-05-08
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a call from Holloway Credit Solutions, LLC in an attempt to collect a debt. I spoke with someone named XXXX who told me I owed {$1300.00}. I told her I did not owe that amount. She continued to tell me I did and I asked from where and to who. She stated it was submitted to them by XXXX XXXX for the date of service XX/XX/XXXX for my daughter XXXX. I told her the bill was not that much but she insisted that it was and was submitted to them for that amount. I actually had a copy of the bill and she told me that was not the correct amount and that I would have to pay the {$1300.00} in full or they would report it on my credit. I have a copy of the actual bill amount attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A pending XXXX debit was presented to Wells Fargo in the amount of {$5.00}. This was PENDING- not a check to be covered and cleared. XXXX went ahead and assessed a {$35.00} NSF fee on this transaction. Plus a {$10.00} account fee on the very same day. This is usurious, unfair, deceptive and malicious. I never had account fees assessed ever before. Have had this account for years upon years. 

This {$35.00} fee notice has been Refused for Cause. Please see the attached.

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