BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Westlake Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiry on my credit report XXXX. Im requested the verification of the inquiry and the method of verification. WESTLAKE SERVICE INC, Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2019-11-28
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have issue with bill they sending me to pay, i open {$300.00} prepay card in XX/XX/2014with citi bank and them after while i told them to close the account, use my prepay card to cover XXXX that was pending.however they didn't fix and my name is on file now and they still sending me a bill.

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 2022-09-01
Company: EdFinancial Services
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:
EdFinancial is delaying refunds for payments made during the CARES Act suspension. I was told refund would take 150+ business days or 7+ months to process. Representative told me that I may not qualify for forgiveness as the refund would not be processed timely and it would negatively impact credit score. EdFinancial is providing misleading information and tried to discourage me from requesting refund for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: AES/PHEAA
State: KY
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:
I have continuously over the last 2-3 years communicate with this servicer on how my Income based repayment plan is calculated. I have continuously sent in documents ( W-2 copies and pay check stubs ) to make sure my monthly amount is calculated correctly. I have followed up on everything the servicer has asked me to do. After following up with the servicer 's requests of documents I continue to get requests from them. My Income based repayment plan is not calculated correctly ... my monthly bills continues to rise by XXXX each and every year which in return is making in hard to make the monthly payments. I continue to communicate with the servicer about not adding any amounts of overtime to my overall income because I do not get overtime on a regular basis. I continue to request them to base my monthly from a 80 hour pay period in which I work. Sometimes I work over when needed but not all the time or regularly. The servicer has a very disrespectful customer service team that are unwilling to spend the correct amount of time to make sure the customer is being treated with dignity and respect. I spoke with a manager when calling in to the servicer about my issue whom took the time to look at my problem of complaint and she came back to the phone and stated that my IBR had been calculated wrong and that it would take 2-3 weeks to correct and for me to keep calling back to get my final monthly payment. This process is not appropriate and unlawful for the customer. I will continue to file a complaint with other agencies until my payment plan is corrected and the correct amount is charged to me monthly. My IBR plan went from XXXX a month to XXXX in a 12 month time period. That is a significant added amount that I can not afford monthly along with living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington is making things difficult for me about an insurance check for the repairs on my house. The check is made to me first and then Carrington. XXXX is real rude toward me she disconnects the phone during business hours she is very unprofessional. They want to keep the money for themselves and do as they please with it. While I need to fix the repairs. They want to put the money and they decided when to give me the money. I was lied to by this one Carrington employee when this woman e-mailed me an information packet. I paid {$39.00} to overnight the check now they refuse to sign it and have mailed the check back. XXXX refuses to speak to me being a brat and very unprofessional.. Then she thinks she is going to sick a male on me. To bully me. She is handling this but refuses to speak with me. 

I am being abused and discriminated against because I am a single widow female who isn't married & they think that they can treat me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted complaints before regarding my mortgage with Select Portfolio Servicing the loan servicer on my mortgage loan I have been disputing the claimed balance from SPS on my mortgage loan since XXXX when SPS bought the loan servicing rights on my loan. 

During the pandemic, SPS offered me a Forbearance plan from XXXX, XXXX to XX/XX/XXXX During that time, I was not required to make mortgage payments. 
However from XXXX, XXXX to XXXX, XXXX I made mortgage payments according to schedule. 
I received a letter from SPS dated XX/XX/XXXX claiming the amount of {$100000.00} to reinstate my loan and the letter stated that my loan is in foreclosure status. 
I replied to their letter and I submitted a claim to CFPB regarding this letter. 
The truth is that SPS is legally liable for bank errors made by previous loan servicers on my mortgage account i e XXXX and XXXX Bank. 
Bank errors were made on my mortgage account on two previous loan modifications SPS requested bank documents to prove this fact of which I sent them bank statements to substantiate and other documents. 
Please see enclosed letter written to my relationship manager wherein I am claiming {$38000.00} for payments not credited and excessive escrow charges and administrative fees. 
As I have stated, SPS has stopped accepting my payments since XXXX, XXXX As stated above I made payments from XX/XX/XXXX through XXXX, XXXX which SPS accepted. 
According to the XX/XX/XXXX letter that I received, a copy of which is enclosed, SPS is demanding a reinstatement payment of {$110000.00} to halt foreclosure proceedings against my property. As I stated above, SPS has not accepted any mortgage payment from me since XX/XX/XXXX and this increases their claimed arrearage on my mortgage account. 
I feel SPS is deliberately taking this action to proceed with a foreclosure against my property once the government and state laws against foreclosure are removed such as California law XXXX and federal laws pertaining to protect borrowers against foreclosure. 
I feel this is the only reason why SPS would not continue to accept my payments. 
I have written to them and I have spoke with the Ombudsman Department to allow me to make a payment that I can afford to bring down the arrearage on the loan and that SPS should credit my mortgage account with a settled credit toward the bank errors that were made on my account previously. 
Please see a copy of the XXXX Detailed Transaction History and my letter of XX/XX/XXXX. XXXX which carefully details my disputes on the XXXX Detailed Transaction History. 
and the payments that were not credited to my account. 
I am a senior citizen almost XXXX years old and my house is my only asset and I can not afford to lose the equity in my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: OH
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:
Hello XXXX XXXX, I called Equifax credit reporting agency and informed them of inaccurate inquires, accounts, and collections, being reported on my consumer report. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. They were asked to validate the information they wrongfully furnished out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Information belongs to someone else

Complaint:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, CA XXXX CU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Paramount GR Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My wife and I were sold two solar systems by XXXX XXXX XXXX XXXX XX/XX/2022 which was financed by Goodleap. XXXX XXXX arranged for the loans for us. The solar systems have NEVER worked. When we were sold the systems we were promised many things like that the systems would provide enough electricity to totally run my homes 24/7 without using from the grid, NO LIEN on my real estate - they would just get the equipment if payments were stopped, payment to me to pay the first year 's loan payments ( I have not received for one of the systems ), service for the length of the loan, panel replacement if production was less than 78 %, and promised more that is not true. We were asked to " sign '' on the phone and unable to read the contract in detail. XXXX XXXX we contacted Goodleap ( lender ) and requested that they suspend the loan payments until the systems were working correctly. I was told yes, we can help you with that but let me transfer you to another department so you can set that up. When transferred I was told no, we do not do that, you owe no matter what. Several states are investigating XXXX XXXX XXXX XXXX XXXX. My case is being investigated by the Missouri Attorney General. Addresses for the systems are XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received an alert on my credit reports that a collection account was added. The account belongs to XXXX XXXX XXXX. I have an account with them now and I am presenting using their services ie cable and internet. Therefore, I am confused regarding what the details of this account is. I do not have mail from the collection account to call and dispute this account, hence why I am reporting this through CFPB now. This collection company has not called me nor have I received any mail stating otherwise. The account according to my credit report was opened on XX/XX/2018 for {$130.00}.

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 explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are many mistakes appear in my report without my understanding.

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 2017-08-29
Company: Experian Information Solutions Inc.
State: MD
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:
From XX/XX/XXXX2016 - XX/XX/XXXX2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-10-16
Company: WELLS FARGO & COMPANY
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 was divorced officially on XXXX XXXX, XXXX. In the divorce agreement it states the following : The wife shall have title to and possession of the XXXX XXXX XXXX and shall be responsible for any and all loan payments, insurance, ad valorem taxes, maintenance, etc. associated with said vehicle. 

I was to be relieved by court order of all car loan payments for said vehicle as of XXXX XXXX, XXXX. 

Wells Fargo has ignored this court order by the XXXX XXXX Superior Court & the state of Georgia. They have issued negative information to all three credit agencies regarding delinquent payments for this loan against me since XXXX XXXX, XXXX. I have repeatedly try to explain this information to Wells Fargo but they refuse to listen or abide by a court order.

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 2023-09-24
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX  I received a call for a past due payment to which at that time I paid My account balance in full. The representative agreed to waive and late fees. Well turns out the payment applied but the late fee was not waived for the current month so when the next billing cycle came around I should Have had a XXXX balance but instead I had A balance for a late fee that I was Not aware of since I had Paid the account in full. Fast forward I was Then charged the next month a late fee on a late fee. This is absurd and unethical. I received a call from the company where the associate was very rude and refused to let me speak to a manager and also refused to let me file a complaint. I do Not understand how I can Be charged when I was Advised fees can be waived and have purposely not used my store credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT TRANSUNION STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME 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. 

I demand the following accounts be verified or removed immediately. 
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 2022-09-01
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-09-11
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish school shopping. Thanks

Company response to consumer: Closed with monetary relief