BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.

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 2022-03-01
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 am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: AMCOL Systems, 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 status incorrect

Complaint:
On XX/XX/XXXX I was routinely checking my credit score on  XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and XXXX  to have the account removed. I have also contacted the company, Amcol, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting Amcol to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Integrated Recovery Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2018 Calls came to my mothers cell phone and also my work phone pertaining to a debt that I am unaware of and is not listed on my credit report. The company never offers information of the original lender or company. They just call and leave very aggressive messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is actually the second sale of my home. The first was in XX/XX/XXXX and was later rescinded via court order ( I have that paperwork ). It was given back to me due to errors ( which I argued to be an illegal foreclosure ) in the modification process. 

I was then allowed to complete another modification. I completed said modification and was approved. After numerous calls to the mortgage servicer, asking for my modified payment amount and being told to wait as they figure it out, they again sold my home on XX/XX/XXXX. 

I was referred to Legal Aid via a community resource. I contacted them in XX/XX/XXXX, explained my situation and was told it would be reviewed and someone would get back with me. After months of waiting and hearing nothing, I reached out to Legal Aid and was told my case had been closed due to them only having enough resources to help 1 out of 3 people. 

There were so many errors, wrong information and failures to communicate throughout this process. I am now literally a month away from losing my home of 22 years. 

If there are any attorneys or agencies available to help me keep my home, I would forever be in your debt. All of this began when I became ill and unless I have help, I will lose my home, as I can not fight this corporation alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in disagreement with the item listed below which still appear on my credit report, even after your XXXXvestigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: MI
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:
Equifax reports my previous address from twenty years ago as my current address and refuses stop sending me a letter stating that this address, referencing my current address, has recently changed. Every year they send me this specific letter stating this change of address within the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
All Agencies have ignored my request to remove unauthorized information.

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 2021-08-21
Company: EQUIFAX, INC.
State: NC
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 previously sent four dispute letters disputing unverified accounts on my credit report with Equifax and XXXX. The accounts I'm disputing were with XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent XXXX  and Equifax dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. XXXX  and Equifax needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 non-monetary relief
Consumer complaint received 2021-02-22
Company: Southwest Credit Systems, L.P.
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've attempted to reach out to this company due to them receiving a check from me in attempts to remove an item from my credit report. The checks notations were as labeled, " Negotiation of tender settles debt ". They've responded back stating that they don't approve the check because of " restrictive notations " and they've returned the check to me. I have two screenshots showing that they've actually lied about accepted the money order and never send me the money order back. I've highlighted the response they've given me in my previous complaint and at this point would like the entity deleted off my credit report and I assume there should be no issues when provided documentation. The screenshots are showing on XXXX XXXX that the money was accepted because the balance was {$1.00} lower and provided backup of using the XXXX app and highlighting the discrepancy between the two bureaus of the {$1.00} that was reported. Please remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MO
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:
After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This card is from the XXXX XXXX. Card # XXXX XXXX XXXX It is a store card which claims to give a discount if I use it to purchase from XXXX XXXX  catalog. 
I made a purchase in XXXX. I somehow missed the bill I expected to receive. When I received a late notice, I paid the balance of {$180.00}. 
It appears the company started charging me {$2.00}. every month & adding {$2.00} late fee. I was not aware of this. Since I was not purchasing, I did not check my balance. I received no notice. 
When I realized I owed {$6.00}, I paid this and asked that my card be terminated. 
Since then {$2.00} plus {$2.00} late fee has been charged to me every month. 
I have not made a purchase. I will not use this card again. 
XXXX XXXX  has made a mark against my credit report causing me to have to pay a higher interest rate. 
They say I still owe {$6.00} which I refuse to pay. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the 2nd week of XX/XX/XXXX, I received my annual Escrow Account Disclosure Statement. Since this is the first year with Loancare as my mortgage servicer, this is the first time they have provided me this letter.

On the Annual Escrow Account Disclosure Statement, it was noted that I had an escrow surplus of {$150.00}. In other words, I had paid more into escrow than was necessary. As such, Loancare issued me a check for {$150.00}.

Also on the Annual Escrow Account Disclosure Statement, my semiannual property ( county ) tax disbursements were listed. I own two parcels. For one of the parcels, the semiannual property tax disbursement transferred identically from XX/XX/XXXX to XX/XX/XXXX, which is accurate. For the second parcel, a rear, half acre parcel on which there is no structure, no improvement, no change, Loancare noted that my semiannual tax disbursement would increase from {$67.00} to {$1300.00}. This equates to a difference of {$2600.00} for the year! As a result, my monthly escrow payment increased from {$590.00} to {$770.00}. This is almost {$200.00} more per month.

When I noticed this issue in early XX/XX/XXXX, I began calling Loancare. At the time, they said that this issue would be fixed by XX/XX/XXXX. It is now XX/XX/XXXX and I have had to make two mortgage payments that are almost {$200.00} more per month than I had planned. I did not budget for this.

To date, I have called Loancare 7 times. I have sent them 3 emails via their customer service contact email address. I have received no response to any of the emails - either by phone, email, or mail. During those calls and within those emails, I have discussed the Annual Escrow Account Disclosure Statement, I have provided a link to my county auditor 's page for the parcel in question, I have provided the phone number to my county auditor, and I have explained the situation clearly and thoroughly. I don't know what more I could do - I've basically done their job for them, and yet they have taken no action on their end.

Today, I was told that this process may take another month or more. Simply put, I don't have the money to continue to make monthly payments that are {$200.00} more than they are supposed to be.

I don't know if Loancare is simply negligent ( i.e., they don't care about their customers at all ) or fraudulent ( they hike escrow payments in the hopes that borrowers default on their mortgages ), but something is amiss. This is the 6th property I've owned, and I have NEVER experienced a single issue with a mortgage servicer until now.

Please investigate Loancare. If I - as an educated and experienced borrower - have been treated this way, if by doing my due diligence there has still been nothing done on their end, I shudder to think about what they're doing to others.

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 2017-12-07
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: NC
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 previously sent four dispute letters disputing unverified accounts on my credit report with XXXX  and Experian. The accounts I'm disputing were with XXXX  XXXX and XXXX XXXX XXXX XXXX. I have sent Experian and XXXX  dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. Experian and XXXX  needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my wife and I was told by my account manager at XXXX  XXXX that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. 

Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. 

Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. 

We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. 

As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX  as of XX/XX/XXXX and this was requested by XXXX XXXX XXXX XXXX The Investor request. 

As of XX/XX/XXXX to date since we are consistently being mislead we are asking for CFBP to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to 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 non-monetary relief
Consumer complaint received 2019-01-30
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.

Company response to consumer: Closed with explanation