BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Idaho Housing And Finance Association
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba HomeLoanServ. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Simon's Agency, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am so upset right now! Several months ago, this debt collector, XXXX XXXX , XXXX started reporting an account on all of my credit reports. I sent a request for validation to them on XX/XX/2019, and waited 60 days. They were supposed to respond within 30 days according to the FDCPA, but they did not. I then sent another letter on XX/XX/2019, over 40 days ago, and they still have refused to send me validation. I called the company about a week ago and asked them to tell me about this account. They said it belongs to someone named " XXXX XXXX ''. That is NOT me. I told them this, but they are still reporting it on my reports. My name is XXXX XXXX, not XXXX, and my name has NEVER been XXXX. This debt does not belong to me and should not be on my credit reports. Not only that, but now they've violated the FDCPA twice by NOT sending me validation after I requested. It has now been over 100 days since I mailed them my first validation request, and I still have not received anything. I sent both letters via certified mail, so I was able to see that they received both letters. I demand for them to remove this account off of my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: College Foundation, Inc.
State: VT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I originated a personal loan ( XXXX XXXX XXXX XXXX ) with College Foundation , Inc. back in the mid XXXX 's ( XXXX? ) and needed a cosigner because I was un school and in my early twenties. The account has been in good standing and I have made payments on time throughout the life of the loan. 

Two months ago the company changed their policy and began sending my cosigner a statement that looks identical to my statement and asks for the recipient to detach the payment sub and submit a payment. It is addressed to my cosigner and does not explain anywhere that it is simply a statement and not a bill. The ONLY difference in the statement is that hey cosigner 's has printed above the amount required for payoff " SURETY ''. 

I have complained to the company asking that they change their cosigner statement to clearly identify that it is NOT A BILL so that recipients are not upset or concerned that the primary loan recipient has not made their payment or that they now owe money as well. I was told by both customer service representatives that they will not change their statements and only informed that they would pass along my complaint to the billing department. When I asked if they understood why this was an issue that needed to be fixed they said they did not see it as a problem. This is unacceptable. 

Outside of paying off the account in full or refinancing without the cosigner the situation will persist. This company needs to be held accountable and asked to make a simple change in their statements to avoid hassles for their loan holders and possible duplicate payments received by them in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX  XXXX and XXXX {$330.00} 6 ) XXXX   XXXX XXXX {$85.00} 7 ) 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 2016-10-06
Company: EDvantage LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was speaking with someone from the XXXX referring to my current student loan from when I attended school for 4 months in 2014. They were helping me with my payment ( s ) and I asked them if this also would apply to my other student loan. The woman from the loan service I was on the phone with as well as the gentleman from the XXXX both explained to me that the loan service I was speaking to presently was my ONLY student loan for the school. I was extremely confused. They proceeded to explain to me that what was happening was a " third party '' gathered my basic information from my REAL loan and created another seemingly FAKE loan off of that. The monetary numbers almost match each-other as well. So I guess I 've been double paying my student loans because only ONE of the TWO seem to be legitimate as again I was told I only have XXXX loan for my past schooling of only 4 months. The woman and gentleman I was speaking to also told me how common and unfortunate this was and that they received calls like this daily with students unaware that they were being scammed. I am still shocked, confused and extremely frustrated. I had been receiving regular emails and letters/statements from the seemingly fraudulent loan in the mail just like the real loan for about 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was directed to XXXX from Equifax because I could not find it directly on their website. I received a report and read through it XX/XX/XXXX. In the personal information section my date of birth is incorrect. 
The only employment listed is a place that I worked at three years ago and is no longer 'current ' as the status states. 
There is a bogus address of : XXXX, XXXX XXXX XX/XX/XXXX. 
Also the date of me living in XXXX  is incorrect but I have lived in that city. 

After seeing all of those inaccuracies I looked through the rest of the document to find my right to dispute incomplete or inaccurate information under the Fair Credit Reporting Act as it is listed on the report. Equifax did not direct me to dispute the inaccuracies with them directly but instead provided this internet address : www.consumerfinance.gov/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: McCarthy, Burgess & Wolff, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
McCarthy, Burgess & Wolff Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX A representative named " XXXX XXXX XXXX has called me daily leaving a voicemail asking to collect a debt, not knowing who they are contacting and asking for personal information. After the 3rd call on XX/XX/17 I called back and asked who they were trying to contact, they refused to tell me. I asked what creditor they are trying to collect on behalf of. They refused to tell me. I then asked that they send a validation notice/letter and XXXX did not know what that was ( which is her job ). After explaining it to her, she asked what address to send it to, I said to send it to the billing address that the creditor has on file. XXXX did not acknowledge that I even spoke to her. I asked her if she was going to send it to me " yes or no '' and she said yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Nelnet, Inc.
State: NY
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've been consistently paying on my student loan for years but the balance continues to go up. I've started keeping detailed spreadsheets at the end of XXXX so I can understand how the balance is working. I have a lump sum auto-debited every month which has been getting applied across all the loans. In addition to the monthly payment I've been making extra payments and knocking out loans one by one lowest balance to highest. Note that I currently have 12 loans left with Nelnet each with different interest rates and payment amounts. When I checked my balance at the end of XX/XX/XXXX the overall balance was just under {$29000.00}. I really felt like I was finally making progress. I've paid off four loans in the last year. This past weekend when I checked my overall balance is {$29000.00} which has increased! I paid more than {$1000.00} over the balance due yet my balance is increasing which doesn't make sense. Upon looking into it more I see on the website that my XX/XX/XXXX payment was not applied across all 12 loans but only to 3 of the loans which caused the other 9 to increase in overall balance. I called the company tonight to find out why they are doing this. I spoke to a gentleman named XXXX who told me the Department of Education decides  which loans need to be fulfilled to make it better for the consumer. I said I understand since it applied to the 3 highest interest rate loans ( all above 6 % ) but how is it possible for the balances on the other loans to increase. None of this make sense to me and I'd like it investigated. I've been ensured that I'm in the best plan the standard repayment plan which pays it off the quickest. I was offered the option for income based and I would pay for twenty years and have the rest forgiven which I laughed at since my goal is to have all of these paid off in a year. I just feel like the company has been taking advantage of me since day one back in XX/XX/XXXX. They see that I am trying to pay these off so have started picking and choosing which loans the money is applied to. How could they go from months of consistently applying across all loans to now all of a sudden only applying to three loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 2018-05-24
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:
On my XXXX account online, XXXX showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from Equifax ). This inquiry should be removed from my credit report since this is XXXX fault. They shouldnt be giving me offers if they will just reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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 information incorrect

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX   {$7300.00} 4 ) XXXX XXXX XXXX {$5400.00} 5 ) XXXX XXXX XXXX {$3900.00} 6 ) XXXX XXXX XXXX {$3000.00}

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 2021-09-16
Company: EQUIFAX, INC.
State: GA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: JPMORGAN CHASE & CO.
State: KY
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:
There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Reliant Capital Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: BARCLAYS BANK DELAWARE
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
Barclay failed to wait for the police report to be finalized since multiple credit cards were fraudulently used. They closed my accounts are trying to make me responsible for fraudulent debts that I don't owe. 

They can relieve a copy of the police reports to remove the debts in my name. 

XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : 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 monetary relief
Consumer complaint received 2019-10-01
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary I am paying PMI on my mortgage even though my LTV is less than 78 %. They keep telling me that they will mail me things that never show up in the mail that I can sign for a written request and that I can't get approved because it needs to be 75 % and 2 years.Homeowners protection act of 1998 states the actual laws on PMI cancellation which doesn't require you to wait 2 years and should automatically be dropped off when you reach 78 %. 

I have called over 5 times and get told over and over again that I need to wait two years and 75 %. It's impossible to get to people in charge and I'm stuck paying PMI in the meantime and I never actually get mailed anything. 

Attached is the timestamp when I crossed 78 %. The date is XX/XX/XXXX I put {$6200.00} down. 

Attached is the amount I currently owe which is {$130000.00} Math : XXXX/XXXX = 77.2

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