BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: AES/PHEAA
State: CA
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 took out four XXXX XXXX XXXX  at the same time to finance my graduate school education. I have been paying on those loans consecutively since XXXX, first through XXXX XXXX and now through XXXX  XXXX ( U.S. gov. ). Since I am a XXXX   at a XXXX XXXX, I always planned on applying for the Public Service Loan Forgiveness program. I have now applied for that program, but XXXX XXXX says many payments for the first two loans were under a standard payment plan for 2 years and those payments are not qualified for PSLF. So, I now have two loans eligible for forgiveness in XXXX and the two ( larger loans ) not eligible until XXXX. This means I can not take advantage of the XXXX XXXX XXXX XXXX at my university. I will be well into my XXXX when my loans are forgiven. I do not believe I should be punished for making LARGER payments, under a standard repayment plan for two years. Nobody at XXXX XXXX offered any counseling saying that type of repayment plan would be disqualifying for PSLF. This whole program is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: James E. Albertelli, P.A., a Florida professional association
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEB COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : BANKRUPTCY CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Abertelli Law Office file XXXX XXXX XXXX # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Offices Demand letter and pay off quotes of debt, dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming in the name of XXXX XXXX XXXX XXXX. 
Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor XXXX XXXX XXXX that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt. 
4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust. 
5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6.  Proof that the statute of Limitation has not expired. 
7. Complete payment history on this account along with an accounting of all additional charges being assessed. 
8. Commission for debt collector if collection efforts are successful. 
9. Any Judgments obtained by any creditor regarding this account. 
10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent. 

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX cc : BANKRUPTCY COURT Consumer Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.

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 2017-10-12
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Fort Payne Finance Co. Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX came to the XXXX I work at and I wasn't there. The owner told him where I lived so he came there and i told him I would come talk to him. I did and we refinanced the loan. The owner of the XXXX  told me she didn't like him coming or calling her so I blocked him from her phone. Both XXXX  personal cell and business phones. I got behind on both loans again and he came back to the XXXX while we had customers and sat in the waiting area and I had a customer so I ask him to step outside. I told him not to ever come to my job again. It was embarrassing to me and the owner. He threatened to take my car even though my loan isn't thru him. I had been asking him for a year to combine both loans so I would have 1 payment instead of having late charges on both loans and refinance charges on 2 loans. He finally said they would do it. So i told him that my lawyer and i would come talk to him. He told me i didn't need my lawyer for this. And he would lower my interest rate and all kind of lies. I know a lady personally that was the manager there and when I told her this she said the rate is automatically computed in and can not be changed by anyone. ( I'm also told that when they refinance your loan they keep the difference in the early payoff amount and the actual amount. ) I ended up working the day I told him I would come in. My electric and water bills had to be paid. He came back in the XXXX a month or so later and we had several customers again so I sent him a text and told him I couldn't talk to him bc I had customers and I would be done at a certain time and would come talk to him. He told me hee want there to talk to me anyway and went to the owner and told her he would like to talk to her and his number had been blocked and that she needed to call him. And gave her a card. I ask him why he needed to talk to her and he ignored me. I told her to throw the card away she didn't need to say anything to him ... I contacted a lawyer and she told me he was violating my rights add I could sue them but I let it go. I've started working for the XXXX XXXX and now they are threatening to garnish my wages and I'm within my 90 days and cam be fired for any reason. I need them to stop harassing me. Please tell me what to do. I do have the messages from XXXX and witness to all of this.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: MI
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 have been looking into purchasing a new home mortgage since XXXX of XXXX. Since then, I've interviewed 3 mortgage companies shopping around for the best rate, which is recommended. However, the housing market has made it difficult with low inventory and inflated pricing. Our search has taken way longer than anticipated. Since having to inquire with multiple companies over time. In this housing market it is necessary, for credit bureaus to make some adjustments to the length of time mortgage companies are allowed access to scores without impacting the borrowers credit score. I am not inquiring on multiple different loan types or even loan needs. These inquiries were all for a primary home starting in XXXX XXXX. Please take a look at the duplicate mortgage inquires and prescreening inquiry and delete multiples. 

I started with the most recent, XXXX  or XXXX XXXX XXXX, who was offering a down payment assistance program ( on a specific property we were interested in ) and required a credit check in order to verify eligibility and check rates. The offer sounded like a great program, but the rates offered were much higher than others, the loan officer is rarely available and hasn't answered questions about interest rates or APR, leaving me to believe they are an unreliable banking source. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/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 2018-01-14
Company: Herbert P. Sears Co., Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed that I had a derogatory mark on my credit and had no idea why. If you look at my history, it 's pretty much perfect and my credit score is very high, with the exception of this derogatory mark bringing it down. 

After research, I see that I have a bill owed to a company called HP Sears, which I 've never heard of. They have never contacted me, then have never talked to me, and as far as I have been aware, I did n't owe them any money at all. 

However, I do believe I know why they are coming up in my report : A few years ago, I went into a walk-in clinic named XXXX XXXX XXXX with some XXXX XXXX and when I walked in, they assured me that they accepted my insurance and that a consultation would only cost me my co-pay. 

7 months later, they sent me a multi-hundred dollar bill claiming that my insurance did n't cover the consultation and the medicine that was administered. This is after they told me that it did. If I had known that XXXX XXXXXXXX was n't covered by my insurance, I obviously would have left and found a place that was covered by my insurance. 

When I spoke with XXXX XXXX from XXXX XXXX XXXX on the phone about this he was hostile, and called me a liar - saying that his staff never told me I had coverage. This is not true. I maintained that I did n't agree that I should be charged for the visit, and he was so unprofessional that I hung up, and never heard from him again. There was never another letter, phone call, email, from him or any collection agency at all. So, I assumed he had realized that they had made a mistake and removed the bill from my account. 

But it looks like maybe not, because now, years later after researching my credit reports I see that there is a collection agency that now has this bill, and on top of it all they have *never* contacted me. 

I have n't done anything to deserve a derogatory mark on my credit and I want it to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????

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 2018-01-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: U.S. BANCORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi, We have been contacting US Bank for over 2 1/2 years trying to get this resolved. Our lease is ended in the next three months. We have filed a complaint previously in which they have responded but never followed through with it. Our bill still does not reflect the correct amount.

They stated that it could take up to 10 weeks. It has been over 16 weeks and still no change. 
Our past complaint id is XXXX. 
Please help us. It is XXXX XXXX XXXX that they are charging us for taxes for a county that we do not live in. We have tried called weekly and get no where.

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 2019-04-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX and XXXX XXXX were approved for a loan modification through Wells Fargo to save their home. 
They were reviewed and found eligible. They adhered to the modification agreement and completed trial period payments in a timely manner according to the stipulations. 
Wells Fargo mailed a letter dated XX/XX/2019 advising they are closing the modification due to title issues. 
This is ambiguous and unreasonable. 
Wells Fargo offered {$300.00} and apologized for the oversight. 
When trying to contact Wells Fargo for some details or resolution, no one can provide an explanation.

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 2019-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX  a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. 

Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified.

I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????

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