BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX  XXXX/XXXX, XXXX  XXXX, US Small Business, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-05-16
Company: AES/PHEAA
State: ID
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:
In XX/XX/XXXX I graduated from XXXX XXXX. 

In XX/XX/XXXX I took a permanent job with the XXXX of the XXXX, XXXX XXXX XXXX XXXX. 

In XXXX XXXX I consolidated my federal loans, entered into a income-based repayment plan, and enrolled in the Public Service Loan Forgiveness program. 

I have stayed permanently employed with the XXXX of the XXXX ever since and am still employed at XXXX. 

Every year I submit my employer certification, my taxes, and my income-based repayment plan recalculation. 

I have taken 15 months of deferments since XXXX. That means I have made 89 payments ( of my 120 payments ) since enrolling in the PSLF program. 

My loan has been sold a couple of times and FedLoan Servicing took it over in about XX/XX/XXXX. FedLoan Servicing now says that I have only made 68 qualifying payments and they do not have a record of payments made prior to XX/XX/XXXX. They are conducting an audit but told me they could not say when it would be completed and it may take 6 months or longer. My bank says that the only way they can pull bank statements that far back is if I pay a fee of {$35.00} per hour of research and {$5.00} per bank statement and that the research may be extensive because the records are on microfiche. 

I believe that FedLoan Servicing is not counting the qualifying payments I made between XXXX and XXXX and are shorting me by about 21 payments ( over {$10000.00} ) and that this will incorrectly extend my PSLF repayment period and may interfere with the ultimate forgiveness of my loans. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Synchrony bank office debt letter yo consumer finance stating that they would Surpress my credit accounts, they failed to go do, tried to contact XXXX several times left message no answer she did not follow up or contact the credit bureaus regarding this, I had to contact Synchony bank to get no answers, synchrony failed to surprise accounts after notifying consumer finance they would surprise, synchrony failed to update there information and notify the thrre credit bureaus of such change

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 2020-12-22
Company: Factor Trust
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Factor Trust is advertising a fax number that does NOT work! 

https : //www.factortrust.com/Consumer/ReportRequest.aspx

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
My student loan was closed due to my XXXX XXXX   XXXX from the Veterans Administration. I was forced to take all three credit bureaus to court. TransUnion is still reporting incorrectly. I am being reported as a XXXX status showing collateral debt, which is incorrect. There is no collateral ever used. I have contacted both the XXXX XXXX XXXX and Transunion to correct. The XXXX XXXX XXXX states that it is Transunion reporting incorrectly. My attorney has advised me to submit here to start the `` Trail of paperwork '' to show attempts to correct.

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 2018-01-27
Company: KEYCORP
State: NY
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:
InXX/XX/XXXXI entered into a Debit Management/Repayment program with XXXX XXXX   XXXX of XXXX NY. I included the credit cards I wanted them pay and make arrangements with. Key Bank was one of them. I began paying a lump sum of XXXX to cover all creditors including a payment of XXXX monthly to Key Bank in XX/XX/XXXX. My payment is debited from my account on the XXXX of every month and dispursed by CCS of XXXX. Key Bank has been receiving XXXX a month since XX/XX/XXXX I called Key Bank inXX/XX/XXXX at the request of XXXX and asked them to change my due date to the 25th. Key Bank indicated they would. To date they have not. XXXX payments continue to be " late '' allowing Key Bank to change me XXXX a month for a late payment. They also continue to charge me my interest rates and other fees. They have reported me to the Credit Bureaus as late and this has affected my credit score negatively. I have called XXXX of XXXX numerous times and with concerns that Key is not honoring the credit agreement and by all accounts has not entered into the agreement with me and has not adjusted anything to accept the XXXX a month as paid. CCS has advised me not to pay extra money to Key and to let them handle it. To date, they have not handled it and the situation is spiraling out of control and my credit rating is taking a beating because of it. Key Bank will not work with me over the phone or via mail. They call every month and make demands for payment despite getting my XXXX a month from XXXX. Key Bank claims they have no record of any agreement. XXXX claims they sent the agreement and that Key bank is notorious for doing this to people. I asked if I should pay the extra amount to keep my out of the collections calls and to keep my credit report positive and they advised me not to pay Key any additional money. As a result my credit score has taken a dive. All XXXX will do is say they drafted the agreement and are holding up their end of it, they are not responsible if Key Bank does not do what they are supposed to. XXXX advised my to seek held through the Attorney Generals office and FTC. I turned to CCS for help before my credit rating became damaged and because of their inaction and in my opinion, false promises, my credit rating has dipped. I need this situation fixed ASAP and Key to repair my credit report. This has been a nightmare credit wise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i am a returning customer that wants to open a new account & XXXX gave me a negative rating & i can not open a new account with wells fargo bank. i have no clue why?

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 2019-07-01
Company: Selene Finance LP
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Had XXXX XXXX XXXX sell my loan to seline finance in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with XXXX  but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was XXXX XX/XX/2014. 
Since XX/XX/2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Navient Solutions, LLC.
State: MS
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 was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default ( late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PNC Bank N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
DEPARTMENT OF JUSTICE [ XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ),  DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: NC
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:
My wife and I purchased a XXXX XXXX from XXXX in XXXX XXXX TN on XX/XX/2018. We signed for a credit inquiry, and eventually accepted financing from XXXX XXXX. Several weeks later, we noticed a substantial drop in both our credit scores. As part of the loan process, there were 8 hard inquiries on each of our credit histories. The dealership did not disclose their intent to make multiple inquiries, and we would not have authorized that many. We only ended up taking a single loan from XXXX XXXX. One auto loan should not result in 16 hard inquiries, and that much damage to two peoples ' credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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 received a letter from Midland Credit Management on XX/XX/2020 asking me for payment for a old debt which XXXX XXXX  XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX any debt. When I called the company to advise them, the person who answered at XXXX Stated it was an old debt and that even though I could not be sued he could report it to my credit. I asked if this is fraudulent. How can he demand money via letter and then threaten me for a debt I dont owe?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage gave me a loan modification just before the pandemic hit the world, they never called me or informed me about the forbearance plan that was available, I got to know about this plan from the news, I called them and requested for it, they only gave this plan to me for 6 months in total, whereas I was told that a home owner can opt for a minimum of 12 to a maximum of 18 months depending on the mortgage company. 

I was infected with COVID in XXXX of 2021, and stayed in the hospital for XXXX weeks, but when I returned home, I wasn't keeping well, and this led me to being hospitalized for another 2 months, I was discharged from hospital on the XX/XX/2021 only to learn that my house is in foreclosure and I have had stressful nights with no sleep, I am an old lady and want to save my house as I have no other place to live. 

I want PHH to start working with me on another loan modification so that I can start making my payments on the mortgage. 

PHH has my property value as more than {$1.00} XXXX, where as my certified appraisal report says it's only for {$1.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In reviewing my credit report I have determine there has been 3 hard inquiries placed from the same company, a company I have never done business with. I have disputed this with the company and the credit bureau but no changes have been made. 

Company XXXX XXXX XXXX  a hard inquiry was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Company : XXXX XXXX, a hard inquiry was done XX/XX/XXXX and 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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX and XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received property foreclosure letter from attorney for my property. Sale Date is set for XXXX, 2020. State Of Tennessee law states I'm to receive notice 30 before the foreclosure sale date. Received letter 1st week of XX/XX/2020 that is not a 30 day notice. I requested mortgage forbearance and mortgage assistance from Fay Servicing under The Cares Act because I have been affected by covid-19. I'm XXXX my husband passed and my mortgage company refuses to assist me. Spoke with Vice President XXXX he said I was mailed a modification a few months ago, I never received those documents from Fay Servicing. I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice my loan was being transferred from XXXX to Loan Care. I then received a bill from XXXX  mortgage. I suspected fraud because the letter from XXXX did not mention XXXX. I called XXXX. They told me I was actually one month ahead on my payments. That my XX/XX/XXXX payment would actually be my XX/XX/XXXX payment. I have sent in a payment each month this year. I was actually told I am a month ahead of schedule. I then called LoanCare and gave them my email address to contact me if there were any problems. In XX/XX/XXXX I called just to check the status and I am told I owe since XX/XX/XXXX and my mortgage is in collections. I have sent receipts of all of my payments. I need this straightened out ASAP.  By my accounting I should be one month ahead of payments. Loan Care is showing me due from 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 2018-12-17
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Debt Collection, reported the same account to XXXX  Credit Reporting Agency, then sold this account, in the amount of {$1300.00}, to another debt collection company, XXXX XXXX XXXX for {$1300.00} on or about the periods of, XXXX - XX/XX/2018. See uploaded documents. 

Both companies are reporting information from same the original creditor. 


Upon, notifying XXXX of the same account is being reported twice by two different collection agencies, XXXX refused to investigate and remove the Commonwealth Financial Debt Collection entry for {$1300.00}, which was recently sold to XXXX XXXX XXXX. 

XXXX needs to remove the Commonwealth Finacial reporting, it is suspected to be out of business.

Company response to consumer: Closed with explanation