BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
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: Was not notified of investigation status or results

Complaint:
I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXXXXXX and XXXX. I do appreciate Equifax responding to some of my concerns but there are still some inaccurate items that need to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
Santander Consumer USA is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
I have disputed this error now a few times and XXXX is not addressing my dispute. This is inaccurate and false XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CCS Financial Services, Inc.
State: MA
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:
I lost my job last year due to the covid-19 hence I have to cancelled my auto insurance as I could not afford it. I received email from XXXX XXXX XXXX that I owed them an amount of $ {$2500.00} due to the cancellation. I responded by mail that I could not afford the total amount but will pay an installment of {$50.00} a month which they did not reject but accepted the offer by has been cashing the checks I have been sending to them every month. ( Implied agreement XXXX They have violated the terms of the agreement by sending me to be collecting agency and without any notification from the collecting agency they have also reported me to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: KY
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 advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

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 2020-05-17
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:
DEPT OF ED/XXXX has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this 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 2020-09-11
Company: EQUIFAX, INC.
State: TX
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:
I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureausXXXX XXXX, XXXX and Equifax on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX XXXX and Equifax would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank 's response to the attached CFPB complaint ( XXXX ) did NOT solve the issue at hand. 

Because they did not tell me that my letter was received, but needed additional information, another account appears to be closed. Comenity closed my Victoria 's Secret Card as a 'charge off '. Because Comenity was negligent in receiving, processing, and informing me that additional information was needed, they are responsible for the adverse account status. 

I have attempted MULTIPLE TIMES to provide them with the letter they needed to remove the cease and desist notation on my accounts. I have called MULTIPLE TIMES and not once did anyone mention that my letter was received, but they needed additional information. 

PLEASE SEE THE ATTACHED LETTER NEEDED TO RESOLVE THESE ACCOUNTS. My phone number is on the letter. I will not be writing another letter to Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is follow up complaint previously submitted on XX/XX/2020 ( XXXX ) against Nationstar Mortgage ( dba Mr. Cooper ). Unfortunately, you have closed the previous complaint without any resolution. I spoke to your staff around XX/XX/2020 and he agreed that the issue on my complaint has not been addressed by the respondent and I've been advised to submit another complaint or seek legal counsel. I am taking this route for now. 

On XXXX XXXX, 2020, I sent an an email to Ms. XXXX XXXX, the respondent of the complaint from Mr. Cooper company to follow up if she can address the issue on the complaint, but to date, she has not responded. In that email, I explained to her that I was overcharged interest when they closed my mortgage after a refinance. Prior, I had been paying my mortgage regularly on the XXXX of the month, which in this case, last payment occurred on XX/XX/2020. Our refinanced mortgage through XXXX XXXX XXXX XXXX closed on XX/XX/2020. Mr. Cooper charged me interests for the whole month of XXXX. I believe I should have only be charged interest from XX/XX/XXXX to XX/XX/XXXX. There was no other arrears involved because I had never missed nor delayed any payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX  ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2017-08-03
Company: EQUIFAX, INC.
State: NC
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 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AES/PHEAA
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:
This Fedloan account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/XXXX. It is ONLY reporting on XXXX This account was closed due to transfer XX/XX/XXXX. I have late payments from XX/XX/XXXX-XX/XX/XXXX. Then showing current payments from XX/XX/XXXX-XX/XX/XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from Fedloan that they closed it and no payments after XX/XX/XXXX. I will be attaching all of that. Fedloan and XX/XX/XXXX are no help. Every time I dispute, they add more stuff after the date of closure!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: PA
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:
I just recently received a notice from the FTC ( Federal Trade Commission ), dated XX/XX/XXXX, notifying me that AmeriTech Financial, a company that I used with the intention of getting a lower monthly payment on my loan, is being sued by the FTC for deceitful tactics. 

I am filing a complaint in regards to being a victim to these deceitful tactics that they are being accused of practicing. When AmeriTech Financial first reached out to me, they told me that, with the help of an act created by President Obama, I would be eligible for a $ 20 monthly payment for the life of the loan until it was forgiven, as long as I first made five monthly payments of {$160.00}, starting on XX/XX/XXXX and ending on XX/XX/XXXX. The way they worded it made it seem like these first five payments were going toward my loan and then my lower payments would be kicking in. AmeriTech failed to inform me, and other consumers, that the services they were charging for are things that can be done for free with the help of the Department of Education. What it boils down to is that AmeriTech used shady, deceitful tactics to make it appear that they were helping me, where in turn they were actually taking {$840.00} from me for a service that they knew was offered for free by a government program. 

After receiving the notice from the FTC, I reached out to AmeriTech on the phone to inquire about a refund, only to be hung up on twice in a row. This is just another example of what kind of company AmeriTech Financial is. 

I hope people see this and use their due diligence when choosing a company to work with -- I learned my lesson and I hope others learn from my experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: Freedom Mortgage Company
State: MA
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 account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-08-02
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:
Submitted dispute # XXXX on X/XX/2017 completed on X/X/2017. Submitted dispute # XXXX on X/XX/2017 completed both on X/X/2017. Equifax took almost 180 days to complete these two investigations, way more than the allotted 30 days. I would like these two disputes deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: SUNTRUST BANKS, INC.
State: GA
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:
I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.

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 2022-08-07
Company: Affirm Holdings, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Every week for XXXX weeks I have contacted Affirm by phone and email to access my account online. They continually tell me they are updating their records and will email me. I have not been told my account number and have no access to statements. I wish to pay my account off and I am unable to because I do not have my account details. I will not pay over the phone which they keep suggesting when I am not even sure where the money is going. They have never sent me a statement digitally or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: Veripro Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with Veripro and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted Veripro to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: IN
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 past and closed child support listed on my credit. It is incorrect. When I was ordered to pay support I started behind and immediately made a payment plan with the child support office. I paid according to the plan. However on my credit report it shows I was 180 days behind. I was not. The credit agency has never got in contact with the child support office. I spoke with the office and they received nothing to review the information. They agreed with me that my account is paid in full and closed. I have a letter from them. It shows on my report that I was still 180 days behind the month before it was closed. When you normally use your credit. Say you purchase an item and its XXXX with a payment of XXXX a month. You are not immediately labeled as being delinquent on said loan.

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 2019-05-29
Company: COLLECTION BUREAU INCORPORATED
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is related to the complaint ID XXXX. I'm being harassed by a debt collector regarding debt I have never failed to pay. I could not locate the original creditor but the debt collector seems to have found them. I am filing this complaint so that the debt collector stop harassing me because I did not fail to pay this debt. I do not want it as a collection on my credit file because this debt is in a good standing. 
Here is a copy of my original complaint : On XX/XX/XXXX, I received an alert from a credit reporting agency stating there is a new delinquent account added to my credit file. When I checked my credit report, I saw a company had sold an account I was current on to a collection agency. I set up an automatic payment with them a year or so prior. They have never called me or sent me mail to notify me about the account. The automatic payment was happening until XXXX, XXXX. I have never stopped the automatic payment. I have never received a notification about unsuccessful attempt to withdraw from my account, if any. I don't believe there was one. I tried to contact XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, a company with which I set up an automatic payment. I was told they are not responsible for my account anymore and they can't locate it. I attempted repeatedly to find out what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

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