BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to Experian on multiple occasions and they refuse to remove this from my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXXXXXX XXXX XXXX  ) a company whose loan products seem to now be owned by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my Experian credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted Experian repeatedly and even filed a dispute resolution request online with them. Experian then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke tXXXX XXXX XXXX XXXX XXXX XXXX ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for XXXX. I called XXXX  and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( XXXX XXXX had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for XXXX on my Experian credit report ). In sum, XXXX puts the responsibility on XXXX and vice versa. Experian defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my XXXX XXXX is unfairly and materially adversely affected by the false balance appearing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company put a collection on my account which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$300.00}.

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 2019-06-08
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: Information belongs to someone else

Complaint:
I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. The company the are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The preferred group 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 2022-10-26
Company: EQUIFAX, INC.
State: IL
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 despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXX XXXX  # XXXX COVID LATE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, XXXX XXXX XXXX XXXX XXXX COVID LATE, XXXX XXXX # XXXX XXXX XXXX  COVID LATE.XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from COVID-19. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. 

I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: DigniFi
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XX/XX/XXXX - I signed a Unsecured Loan Agreement ( Fixed Rate ). The problem I'm having with them is their calculations of the monthly payments. Everything I've tried to use, do not add up. I've contacted them on several occasions, asking them how they arrived and the payment amounts listed as monthly payments on their website. I told them it don't add up - I asked them for an explanation of their calculation. They refused. I filed a complaint with the XXXX. I still can't get a response. I called XXXX XXXX and spoke someone at least twice and told me I have to call them. The second problem is Interest Rate and the APR. The APR is listed as 27.99 % and but in the letter to the XXXX  they listed the APR at 31.02 % and the Interest rate as 27.99 %. They said the loan date is XX/XX/XXXX, but its really XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX - the company responded on XX/XX/XXXX. I called to talk to them and I mentioned them responding to a complaint I submitted she said it wasn't true. I gave her the XXXX reference number, information that the company wrote to XXXX. I was for an updated contract, it had been amended. Just the pages they changed or amended. I haven't been successful in getting them to do anything. Contract and letter of response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2018, I RECEIVED TO LETTERS WHAT THEY CALL RESURGENT CAPITAL SERVICES, BUT CURRENT ONWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA AND PHONE # XXXX/ XXXX AND IS A SCAM AND NOT APPORVED BY THE XXXX. THEY STATE ON LETTERS XXXX XXXX, XXXX. AND XXXX XXXX XXXX OWNS THE FOLLOWING REF # XXXX. AND THIS FOR 2 FORMER CREDIT CARD.., ONE XXXX {$300.00} AND THE CARD XXXX {$600.00}. ON LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX. FOR YOUR INFORMATION XXXX XXXX XXXX IS IN XXXX XXXX XXXX UTAH. AND THEY ARE WELL KNOWN ON XXXX AND FOR YOUR KIND HELP.., THE FEDERAL TRADE COMMISSION HAD BOTH OF THE CLOSED DOWN.., AND SINCE THE XXXX XXXX XXXX IS NOT APPROVED BY THE SOUTH CAROLINA XXXX.., BOTH XXXX XXXX AND THE ABOVE ARE BOTH KNOWN AS SCAM.., I SIMPLY DESIRE FOR THIS TO BE REMOVED FROM ALL 3 CREDIT REPORT COMPANIES. 

RESPECTFULLY, XXXX XXXX E-MAIL.., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 the company by the name of EOS CCA has violated my rights. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) States that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that any consumer reporting agency may NOT furnish a consumer report without the written instructions of the consumer to whom it relates. I have no knowledge of this company. I have signed no contract with EOS CCA. I found out about them when they appeared on my credit report. Damaging my credit score and furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the COVID-19 Cares act forebearance program. I have tried 40 times to speak with someone at XXXX  about resuming payments. Can never speak to someone, only get answering machines. They have 5000 consumer financial protection other complaints about the exact same thing. I am working now and want to continue my payments, and pay the balance when I sell or refinance, XXXX  is not helping at all, and cant even speak with anyone. I WANT TO RESTART PAYMENTS. I NEED TO SPEAK WITH A HUMAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Penfed arent sending the required by law, account statement. This situation caused uncontrol of my finances and a lot of charges on my overdraft.

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 2020-05-30
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except Discover card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, Discovercard not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted Discovercard and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As stated in numerous prior CFPB complaints against Wells Fargo, I was offered a payment in the amount of {$3700.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. Their reasoning for opening these accounts is for bill pay use. Realistically, only one account is needed for bill pay which I had one account opened at the time, Wells Fargo reps used same line, " I notice you make quite a few bill payments, have you considered opening a second account for bill pay '', something along these lines.. I was later offered an additional amount of {$500.00} via phone mediation, no payments received to date. I believe payments were sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved from this address in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo has replied in part by sending me mediation request forms, which were filled out and later denied by Wells Fargo reps.. They referred to a letter sent to my old address which they claim was signed by myself, agreeing to the {$500.00} which was not received and not adequate. Neither payments were received to date, {$3700.00} or {$500.00}. Further, the form they refer to was sent to old address, not received or signed by myself. Since it was not received or signed by myself, Wells Fargo reps can not refer to it as basis for denying mediation and or issuing payment ( s ) they offered.

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