BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Coronavirus Pandemic, we chose the forbearance plan on our mortgage for 90 days. My husband and I were laid off from our full time jobs due to the pandemic. Once my husband returned to work, I called LoanCare to cancel the forbearance plan. It is IMPOSSIBLE to talk to a HUMAN on the phone with the company. I had to cancel the forbearance via an automated service which I felt uncomfortable. I called LoanCare multiple times so that I could resolve the accumulated amount for the forbearance. After waiting on hold for over an hour, I hung up. A few weeks ago I started receiving notifications from different credit bureaus that my account has been flagged for being over 90 days late!!! I immediately called LoanCare! Of course I couldn't get on the phone with a human. The recording said that wait times were exceeding 30 minutes and to call back another time. Really?!?! Finally, I got ahold of a human from LoanCare and they told me that the forbearance amount had to be paid immediately after canceling the forbearance or else they can start reporting this to the credit bureaus. We have NEVER been late on a payment! My credit score dropped 116 points!!!!! Now I am in the process of trying to do a loan modification with LoanCare and again I can't get a human on the phone. I called this morning and the recording says wait times are exceeding 30 minutes, call back later. I can no longer log into my account online either! I was using it yesterday and all of a sudden it's not working today?!?! This is the worst mortgage company EVER! Something needs to be done! You are negatively affecting our lives!

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 2023-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws. The severity of not taking my situation seriously has resulted in financial harm, defamation of character and a 60 -day silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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 have the bank statements to show the dates paid and will make these statements available upon request. 

Toyota Financial claimed the following late payments on my credit reports. 

A. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

B. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

C. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

D. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

I traded the vehicle on XX/XX/XXXX but, Toyota Financial continued claiming late payment well past XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made payment to Indigo card on XX/XX/2021 they are telling me it will take up to 14 days for the balance to update on card how is this fair I paid my bill XX/XX/XXXX but I cant use it for 14days how is this fair that they take my money n I get no credit for it for 14days this is ridiculous n so unfair XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My longest credit card is with Wells Fargo but it was a college card so they told me to open a new account to keep my credit history. I did and then they automatically renewed my old card to a new non-college account and my credit took a hit and now I have two credit cards. I went into financial hardship and tried to make the payments but couldnt afford them. WF didnt help even when I asked for help and my cards were maxed out and reported to collections and tanked my credit.

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 2020-11-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and both TransUnion And XXXX XXXX have been aware of this for over a month. I sent in the necessary documents to these companies and they have failed to follow federal law. The FCRA 605b states that after receiving notice of an identity theft incident that the companies are suppose to remove and or block the fraudulent account from reporting on my credit report which both companies have failed to do. The account is as follows : XXXX XXXX Account : XXXX Date : XX/XX/2017 Balance : {$610.00}

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.

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 2021-01-31
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold a debt, that I do not owe to debt collection agency by name of Credit and Collection service. I have never been insured by this company. At the time they said I was insured by them, I was underage and otherwise not legally capable to buy insurance for myself

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and Equifax have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: The Bureaus, 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: Reporting company used your report improperly

Complaint:
I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hard inquiries on both of my XXXX XXXX, XXXX XXXX XXXX accounts they are way too old and wasn't useful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ZIONS BANCORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to MsXXXX XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from Zion 's Bank to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called Zion 's Bank Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!

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 2020-04-20
Company: AES/PHEAA
State: TX
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:
On XX/XX/2020 the Federal government passed the CARES Act which states that all Federal Student Loans were to have interest rate set to 0 % for at least sixty ( 60 ) days. American Education Services ( AES ) has failed to change the interest rate on all of my Federal Student loans from the 6.8 % prior to the Act down to 0 %. Attempts to contact the company via phone, their website, or their social media pages have been futile as the company doesn't respond back on this issue. They only state that they are " waiting for guidance from the federal government '' about the rates with no other feedback -- and that was four ( 4 ) weeks ago. They will respond about ALL other issues but this one. My Federal Student Loans have still been accumulating interest at 6.8 % with AES since the CARES Act was passed while my wife 's student loans, held by FedLoan, have been showing as 0 % since that same time period. All of my student loans are Federal Stafford Loans and not commercial loans. I have also never consolidated my loans since taking them out during school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: SC
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:
I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. 

XXXX XXXX is considered an " IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an " IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. 

I have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. 

Please check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. 

Evidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. 

Evidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an " In-Network '' they continue to bill the client. 

Evidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. 

I believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. 

If needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NV
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:
This credit card account with XXXX account # XXXX has been closed and charged-off since XX/XX/2019 in the amount of {$170.00}. I've disputed this item with XXXX but they claim they can not find my account. XXXX can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX  Date of inquiry 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 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs to me.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation