BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received TAP and federal loan to attend XXXX XXXX in 2014. I dropped out during my 3rd or 4th week. I was never told that I had to repay XXXX for a full semester, in the amount of {$3700.00}, nor that I would be responsible for whatever payments TAP or the government did not pay after dropping out. I am now being harassed by a debt collection agency weekly and the school refuses to explain why that without any legal documentation should I be responsible for a loan I never accepted from the school. I have reached out and emailed the schools financial department who has insisted that I pay this debt even without any legal proof that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You dis not even read my complaint XXXX Someone else 's signature, not my address that is on opposite side of the world. Not my credit card being used to pay for the apartment. My signature not even on it. Your allowing someone else 's signature to be used on a debt against me.

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 2021-04-27
Company: EQUIFAX, INC.
State: NH
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:
There are two accounts on my credit report that does not have an original creditor listed, therefore, I cant contact the creditor to request information about the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
1. Took auto loan from XXXX XXXX XX/XX/XXXXin XX/XX/XXXX XXXX. Made 1st payment of {$34000.00} in XX/XX/XXXX, {$580.00} in XX/XX/XXXX, paid {$580.00} in XX/XX/XXXX, Paid in full in XX/XX/XXXX by paying last payment of {$770.00} in XX/XX/XXXX 3. Received letter from Bank on XX/XX/XXXX that the auto loan is paid in full 4. Got the title from XXXX on XX/XX/XXXX in my name. 
5. I received a my credit report from Experian indicating a 30 day late payment for the loan in the month of XX/XX/XXXX. 
6. Called XXXX XXXX XX/XX/XXXXand experian to file the dispute. 
7. My credit score dropped from XXXX to XXXX during XX/XX/XXXX. I only have 3 revolving accounts which are never late and fully paid. 
8. I called multiple times to XXXX XXXX XX/XX/XXXX and experian and finally on XX/XX/XXXX, they removed the late payment from my report and now my credit is @ XXXX In the overall 8 months i lost 100 points on my credit score and was not able to buy home due to low credit score which was not my fault. 

I need the following resolution 1. Want my credit score back to XXXX + XXXX. Need to have bank fined for wrong reporting 3. I should be compensated for all the time i spend and the deals i lost due to credit report issues.

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 2017-09-22
Company: SECURITY CREDIT SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. TRANSUNION REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.

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 2017-08-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid 6 companies to get me an affordable loan mod with ocwen. I finally fired them all and applied myself.the amlut ocwen came back with was XXXX more a month than I have and was more than any other refused offer. I ca'n't pay but XXXX with my bills and I showed that ad now I had to finance ad ac unit and XXXX Ocwen had a forclosrue hearig till I reapplied with all paperwork but they offered me XXXX more than they know I can pay and more than the house is worth. they know I am XXXX and co n't want to move. They lost the note to my house and made up documets that were untrue. they are being prejudicial to me.

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 2021-01-21
Company: Experian Information Solutions Inc.
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:
PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing one credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.

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 2017-09-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing one credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2021-04-26
Company: CCS Financial Services, Inc.
State: IL
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:
NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Their investigation did not fix an error on your report

Complaint:
CRA : Experian Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : XXXX XXXX Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called Experian Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " XXXX '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back Experian again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.

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 2020-12-07
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: Account status incorrect

Complaint:
On XX/XX/XXXX I testedXX/XX/XXXX At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately XX/XX/XXXX email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in XX/XX/XXXX reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to XX/XX/XXXX I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect 4021 of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES.

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 2020-09-02
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 explanation
Consumer complaint received 2020-07-27
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: Their investigation did not fix an error on your report

Complaint:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Complaint number XXXX and XXXX was not addressed. Experian did not address the complaints that I submitted to CPFB. Experian need to address the issues! I have sent Experian numerous documentation I have sent CFPB numerous documentation and Experian refuse to correct the errors on my credit report. I have sent my passport and my utility bill through certified mail. Experian is lying stating they never received the information to avoid fixing the problem. I have had enough of the cat and mouse game with Experian and the premade letters that they keep sending me. I have reached out to legal representation regarding these issues. The Ohio Attorney General will be contacted along with all the disputes I have sent through CFPB and the certified mailings that I have sent via USPS. This is utterly ridiculous! I take my credit seriously and this is becoming a nuisance. This need to be fixed immediately!

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 2020-10-23
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Oklahoma Student Loan Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer is : Oklahoma Student Loan Authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. 

OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. 

Please help me in activating this simple feature that should be available to all. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation