BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2021-02-05
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the attached letter to XXXX certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Selene Finance LP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene is in the process of a auction forclosure Sale date is XX/XX/XXXX. The judge ask me last time when I was in court do I wish for them to process the Forclosure. I dont understand why she asked this because I actually have a mortage statement from Selene that was issued on XX/XX/XXXX that says that they have completed the first Forclosure proceedingXX/XX/XXXX. Even though I never got notice that they had even started the process at first. I am not sure exactly when the exact date started of the forclosure but had my address but never sent me notice that they had started the process. I am trying to find out the initial day the forclosure proceeding started. I also see on XXXX that the house was sold XX/XX/XXXX for {$120000.00} so how is this possible if they are taking me to court now to do a forclosure. i dont know what is going on but can you see if you can get some answers to these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: TX
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:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX . The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and 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 2020-07-07
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions 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:
EXPERIAN AND XXXX  are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX  XXXX  committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by 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 2020-07-07
Company: Business Revenue Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector called Business revenue systems for the total of XXXX $ and I can only pay it with a credit card. The letter said they were collecting on behalf of a business called XXXX XXXX, which is a fake company and also not one I have ever been to. The letter said they will continue to come after me until I pay it. The phone number listed to call is fake and the online payment is clearly a scam to steal credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: United Revenue Corporation
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:
XXXX  Dispute XXXX United Revenue Corp XXXX   claims that this is a valid collection action yet neither XXXX  nor the alleged collection agency, United Revenue Corp, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact United Revenue Corp by mail and phone and have not received a reply to both my letters and voicemails. I have filed  multiple disputes with XXXX  but to no avail. XXXX  claims that United Revenue Corp has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than XXXX  continuing to state that its valid. XXXX  keeps closing the dispute without providing any evidence whatsoever that United Revenue Corps collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. XXXX  is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that United Revenue has a valid claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My monthly bill is way to high for me to pay. I am still enrolled in XXXX  school and have no income aside from the stipend I receive from the university. I have explained this to AES, asked for forbearance/ deferment/ income-based repayment. They have denied my request to stop or lower my payments because my account held a past due balance. I missed three student loan payments on two student loan accounts on with AES, and my credit score dropped from XXXX to XXXX because it was recorded as being 6months delinquent! This is not fair because I go to school in one of the most expensive cities in the country, I have to pay rent and eat, and AES refuses to acknowledge that I am not employed or able to pay the loan back right now. They have taken punitive measures to damage my credit, and it 's not going to make me graduate, find a job, and repay them any sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NV
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:
On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the Equifax data breach and my information may have fell into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Was not notified of investigation status or results

Complaint:
There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender and I have not been able to get the help I need. I even have my counselor who has been helping me throughout this process and they continue to ask for more documents. Each time when I think that they are done with my review they ask for something and we start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
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:
This was not sent in error, I, XXXX XXXX am a consumer by law and my Information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.

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 2020-11-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX, I am a retireted XXXX XXXX XXXX veteran that thie country 24 years. I have owned my home about 7 and half years and i have dealt with many banks before this one. An I never had any problem paying my motgage payment on time until now. i have just re-finance home 6 months ago. At first dealing wit freedom mortgage i requested to direct -deposit they said no ; in which i thought it was odd not to do this because i thought every bank want their right -o-way but they did not want to. So. freedom mortgagae {$15.00} plus the {$1500.00} I KNEWW they were crooked my thoughts this bank is about taking consumers money. NOT HELPING or providing any care but to steal, take foreclose your house.I tiry using the computer and I USED THE computer every time I LOG IN the computer would asked a pass word and then it would not allow me in so the system was not computer friendly.XX/XX/XXXX I sent my payment on this day by mail. Freedom Mortgage did cash my payment until XX/XX/XXXX. Now, I expected the to there XX/XX/XXXX. and it should have, because it does not take 3weeks to cash a check. Something is wrong, I beleive they trying sabotgae my by forecloseure and discredit me and dissrtess me This is worst bank in the world. and i like deal with another bank,.

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 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX : I filed a dispute about a charge on my credit with Capital One - credit card account number ending XXXX. This credit card was also closed by me following my complaint. 

XX/XX/XXXX to XX/XX/XXXX : Capital One, after several months and exchanges of information, advised me on XX/XX/XXXX, Capital. One Case XXXX, in a letter addressed to me, advised me they would be crediting my closed credit card in the amount of {$60.00}. 

They then advised me I would receive a check from them for {$60.00} within 60 days. 

To date, I have not received the credit to my account in the form of a check, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

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 2017-12-11
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
OnXX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-01-21
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in  XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DAMAGE TO CREDIT SCORE DUE TO FALSE REPORTING Loancare is falsely reporting my mortgage account as being delinquent and has damaged my credit score. Further Loancare is reporting the wrong payment obligation of {$2100.00}. 
The correct monthly obligation should be {$920.00} and not {$2100.00} Even after Loancare acknowledged error on their part - whereby they are collecting tax and insurance into an escrow account - when this mortgage account should NOT have escrow assigned to it. ( See complaint XXXX - for the erroneous escrow account. ) - Loancare has gone on FALSELY to report my mortgage account as delinquent - causing severe damage to my credit score.

Loancare fraudulently withdrew taxes and insurance, from my bank account and into an escrow account, which now has over {$5000.00} in unapplied monies. And yet Loancare continues to harass me, send me payment demands which include demands for property taxes and insurance on an account which should NEVER have had any escrow.

And now, Loancare is also falsely reporting failure to pay on my credit report and has caused me severe credit score damage yet I have paid and have {$5000.00} in my mortgage 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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX DeXXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, XXXX, and Transunion on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.

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