BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing 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 2019-09-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine and I have disputed this information multiple times.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: VI
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:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

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 2021-06-07
Company: EQUIFAX, INC.
State: VI
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:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

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 2018-02-04
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: Personal information incorrect

Complaint:
XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: MD
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 have reached out to the credit bureau and to no avail nothing was done. There are several inquiries that I did not authorize nor sign any type of application for any loan, car loan and etc. Please see the below : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/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 2021-05-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is providing incorrect information to credit bureaus claiming I have a bankruptcy for {$0.00} on XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: FIRST CHOICE LOAN SERVICES INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello- I'd like to submit a formal complaint against XXXX XXXX XXXX and against First Choice Loan Services/ XXXX XXXX ( mortgage broker ). We closed on our house in XX/XX/XXXX, and the mortgage broker quoted our total payment including escrow impounds of like $ XXXX-ish. In XX/XX/XXXX, our escrow analysis jumped up a little to $ XXXX/ month. But then, in XX/XX/XXXX it jumped up almost $ XXXX/ month because according to XXXX we were short {$4900.00} in back property taxes, which put us in a financial bind with XXXX little kids in day care ( now XXXX because we just had another baby in XXXX, praise God! : ) We called XXXX and XXXX ( he never returned my call ) and XXXX helped us finance the deficiency over 24 months so that brought our payment down to {$2200.00} ish from {$2500.00} ( where it was going ), which is where it is now almost $ XXXX/month more that what we were paying. 

I understand that taxes and insurance are imperative, but I'd like to log a formal complaint against both XXXX and First Choice that they should have caught this at the onset of the mortgage when we closed in XX/XX/XXXX versus almost 2 years later in XX/XX/XXXX. 

I'd like to request that they investigate to see what went wrong and I'd like some sort of compensation to help pay off this crazy deficiency to bring this payment back down to normalcy, or at least to where it should be, which should be around $ XXXX/ month. 

Please see my attachments and please be sure to let these entities know that they need to do a better job with their internal audits with analyzing their consumers ' escrow analysis. 

XXXX seemed to be a veteran in the mortgage business as our mortgage broker, and I speculate that he may have artificially deflated the final payment number on the Closing Disclosure in order to entice us to be wowed by his " prowess '' and not to shop with anyone else. Don't get me wrong, he's a good guy- God bless him, but he seemed to know way too much about the mortgage business to make such an egregious, rookie blunder. Hence, my theory is that he intentionally misled us. 

And as far as XXXX is concerned, MERS audits XXXX XXXX and they should be audited about why they didn't catch this at the onset of the mortgage let alone during the first escrow analysis in XX/XX/XXXX. 

I'd like some justice and compensation for this matter as it has created a financial conundrum for my family 's budget especially now since we have XXXX kiddos in day care, which costs around $ XXXX/ month. 

Thank you and God bless, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im tired. Im tired. Im tired and this is so darn unfair. I can not get a response at all. I have sent letters several times and I am getting nothing in return. So Im finally complaining about my last letters. I should attach all the letters I have sent but its way too many. on XXXX I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-05-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am having a problem with my equity line my loan was taken over from Ocwen to PHH Mortgage company.and noone in the company from customer service knows how to deal with my loan it being in a chapterXXXX bankruptcy.I am my own attorney " per si '' and just trying to get a payment to this company is almost impossible I was just was transferred 4 times on the phone a hour on hold all for a supervisor.once the supervisor got on the lione she didnt know what to do either and hung up on me with no return phone call. this company is unbelievable the y are very unproffesional and I question weather or not my payments are making it to the right person .or if its even getting documented .I have been stuck paying a XXXX dollar equity line for like 10 years and have probably paid it off 3 times yet I make payments every month and it stays at XXXX ; XXXX dollars and never goes down .try speaking to someone about it and they shuffle me to someone that hangs up on me very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I work XXXX hours a week. After public transportation costs and taxes, I TAKE HOME half of what I make. When the bank removes the indefensible {$110.00} dollars in fees for the bank policy, infringement of less than {$1.00} ( or MAYBE just over that - I can not tell ) and after paying for winter heat - this is when my account hits XXXX cents which, is the total sum it resides at now. 
I will not be able to get to work as paying the train fee of {$21.00} a day - is now, impossible. 
I 'm sure banks have a renewed sense of delight over the new president whom is set to roll back any moral, ethical ( Dodd.Frank ) or even HUMAN sense of offering banking services to anyone except the ultra-rich/1 % or people to busy grinding out a life in this country to fight with banks each month or each fee. XXXX help us and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank charges excessive fees. I was incorrectly charged interest on purchases which were made during last statement period, as per agreement with the credit card company it shouldn't charge interest until payment for the purchase is overdue. I missed a payment for previous statement XXXX by a day, so I should only pay interest on XXXX which would be 26.99 % of the XXXX totaling about XXXX. During the last statement period I made one purchase on XX/XX/25 for XXXX. The last statement charged me a late fee of XXXX which is correct and XXXX in interest charges. The interest charge explanation showed that my the balance which was subject to interest rate was XXXX. I called Synchrony and they waived the interest but lied to me that I qualified for a interest waver rather than admit that there is a problem in their statement calculation.

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 2021-02-14
Company: PNC Bank N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting PNC BANK, NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-01-19
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since I have started repayment on my parent plus loans for my children, I have had to call in monthly as something is always wrong. I could be all say they are repayment except one when I have asked for them to all be repayment, eft money has been taken out on a different date with out my knowledge or consent, online statement and loan information does not match or reflect a true payment amount or posting timeframe or amount. They tell me they will fix something and they do not fix it in a timely manner causing me to call back. I no longer trust the business or the rep that I am talking to. I have never had a month of satisfaction yet. Before I heard the news about being sued I had already started researching how to pull these out of this serving company. I would like to be able to take this to my local trustworthy bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Early Warning Services, LLC
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:
Back in 2019, I was a victim of check fraud. There was a negative balance, that was left, I paid it in full and spoke to a XXXX XXXX  Branch Manager, and it was supposed to have been fine, since the negative balance was cleared up. I tried opening an account with XXXX XXXX XXXX XXXX and 5 days later the account was closed, upon investigating, I was told it was because of an alert that Early Warning Services had on my credit file. I have contacted XXXX XXXX, I have spoken to multiple branch managers, I have contacted Early Warning Services multiple times and I have been getting the run around, i am not able to join any financial institution because of this. I have done everything in my power to get this removed, especially since the balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called more than 20 times explained this report is a fraud I never owned money to this company but the didnt listen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied collection services accepted a old and expired lease agreement knowing and intentionally trying to collect 3 years of rent for a expired lease that was fulfilled and not renewed

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 2019-09-27
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While being XXXX to help out with Hurricane Harvey. I wasnt getting paid as much since we were under state orders. Also since I was on military leave from my job I wasnt getting paid as much at all. I relayed this to the finance company everytime. They knew I was XXXX and I relayed to them that I was protected under the sailors and soldiers act. They sent correspondence to my house saying they looked up some database, that shows if youre XXXX or not. I continued to tell them they couldnt pull information like that. After picking up the vehicle, I never received any correspondence of how much they sold the vehicle for, or anything after the vehicle was picked up. I just received a bad derogatory mark on my credit report showing an amount from not even possible after having the vehicle for 5 years, and only 2 more years left to pay. This account reported has too many 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 2020-01-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Our family is experiencing financial difficulties. We fell behind on some payments. 
Citibank calls all day every day, from XXXX XXXX up until close to XXXX XXXX. They are the first call every morning. 

My father has XXXX XXXX and takes a lot of medicine. The frequent calls bother him very much. 

We are aware we are behind in payments. We don't need a phone call to remind us. When we are back on track, we will resume payments. Until then, we don't need the harassing phone calls EVERY DAY, including Sunday.

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