BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
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: Their investigation did not fix an error on your report

Complaint:
On several different occasions I disputed inaccuracies with Equifax due to XXXX XXXX  reporting inaccurate information. The only thing Equifax has done each time is send back letters saying account was verified and one time they changed the charge off month from XX/XX/2020 to XX/XX/2020 after I disputed a third time. Each time I sent out letters to Equifax I explain the inaccuracies of XXXX XXXX  and Equifax has failed me each time to investigate properly. Attached is evidence that is is clear that XXXX XXXX account is causing more damage to my credit report. Everytime I dispute they dont fix the error and it just lowers my credit score again. How is this fair to me. Under Fcra as a consumer I have rights also for credit report agencies to report accurate information. There is no need for me to give further detail as Equifax should know the laws. Not only did Equifax not fix the disputes I requested for removing the charge off they didnt even provide a method of verification of how they verified my payment history. I do not want this to be updated again. As I said Everytime they change a month my credit drops from the dispute. Equifax needs to remove this paid charge off with the incorrect payment history across all three major bereaus. It was never a charge off from the beginning. Insurance paid this account before the charge off was reported so why should I keep suffering for XXXX XXXX  mistake that Equifax has failed to fix on multiple occasions. Delete this account completely. I will seek legal counsel if Equifax does not completely delete this XXXX XXXX  account for their reckless reporting. I have provided enough proof which I shouldnt have to continue to do. Charge off dates amounts are not even correct. XX/XX/2020 charge off has XXXX  balance on two credit reports while on another credit report the XX/XX/2020 charge of balance has {$930.00}. This is so stressful. Delete this before I also sue to recover damages for this not being handled after multiple letters to Equifax. Thankfully I still have my dispute letters and so called verifications that Equifax mailed back to me. They claimed they verified my payment history but its clear that have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: NY
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 communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX XXXX ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX XXXX, XXXX XXXX CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others 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 non-monetary relief
Consumer complaint received 2022-03-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for the CitiBank Costco XXXX card and was denied due to : - Delinquency - Too Many Hard Inquiries - Insufficient Accounts - No credit Available The decline letter stated this information was acquired from XXXX Credit Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-12-27
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
received collection letter from XXXX XXXX XXXX on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to Specialized Loan Servicing. 
This check was processed and recorded by SLS. 
Sent returned letter to XXXX XXXX demanding they cease collections efforts and that the account was paid on time. 
no response from 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 2017-10-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Currently I am in the process of buying a new home. So once my credit report was pulled, it was revealed to me that I had XXXX medical bills in my name stemming from XXXX of XXXX. I never went to the Hospital or the Doctor in XXXX. The name of the company is Commonweatlh Financial Systems, located in XXXX, PA. I have requested that they validate this debt, and I have disputed this with the credit bureaus. From my understanding XXXX XXXX sells your information to Commonwealth Financial and they report bogus information to your credit report. I do have XXXX XXXX XXXX cards. So this all makes sense. The amounts are for XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, XXXX, XXXX XXXX, XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed with this company more times than i written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation i requested 1. When was the account opened. 
2. The first time i missed a payment.
3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. 
They will not release this information to me and its been way over a year. Also i can submitted by mail a certified mail receipt and letter i wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company. I think they are scammers because why would n't they release the information i ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not valid. I do n't have a contract with collection agency. I keep disputing and they keep sending me letters saying the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SLM CORPORATION
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I talked to a representative over the phone from Sallie Mae. I mentioned that I was unable to pay the current amount per month that was being asked of me. My payments do not start until XXXX of XXXX. The amount per month that Sallie Mae was requesting was close to {$1300.00} a month. When asked about a lower payment option as I am unable to afford that loan payment, I was told that there were no lower options. I could do for 3 months a repayment plan where 2 out of my 4 loans are interest-only payments, but that would still total more than {$1000.00} a month in payments. I was advised to make the payments or deal with the consequences of not paying and talking to a loan officer. When I asked to clarify they advised me that they did not have any other repayment loan options such as a salary based repayment, or repayment for those who are unable to make the current monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVICE {$490.00} I never used they service never have the account with them I called never pick up the number of the company is from somewhere else. I do some research the company is a fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: IA
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:
The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Intrest rate is over 700 %. 
I was not told the intrest rate. 
Requested automatic payments be stopped. Gave 48 hours notice. 
XXXX. 
Original Loan Amount {$1000.00}. As of ( XX/XX/2020 ). {$1300.00} paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It took us over a year ( XX/XX/XXXX thru XX/XX/XXXX ) and getting an advocate to get our income based repayment started. We reapplied every month but they insisted they never got it or there was some error ( it varied ) and reported us as late EVERY time even though our income based repayment amount was previously and is currently {$0.00} a month. We applied way in advance because I have been diagnosed with XXXX XXXX XXXX XXXX and every year they lose our application and play other games for months before finally giving in and setting it up based on our income. 

After getting the income based repayment reinstated with an advocate they once again reported us as delinquent for not paying {$0.00} a month for the previous year and refused to remove the derogatory information which dropped my credit score almost 200 points from 700+ to XXXX. 

They said because they constantly called us ( they did AND called my XXXX son without anyone 's permission ), emailed us ( they did ) and mailed us ( they did ) since we NEVER responded ( we did resubmit monthly and called constantly ) that they could n't in good faith restore our credit report.

Every year I file with Navient for an income based repayment it takes several months of them saying they did n't get the application, something was missing, some other excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Lending Club Corp
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted lending club on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to XXXX XXXX XXXX. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to XXXX XXXX XXXX. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by Lending club. This is totally misleading and deceitful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Selene Finance LP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I was having a hard time with my mortgage payments. I decided to contact my mortgage to see if I would qualify for a loan modification. I sent in my paper work in and followed the program making payments on my mortgage mean while still being reported as late payments went from XX/XX/XXXX till XX/XX/XXXX low and behold was approved with a lower payment. I kept making my payments for XXXX, XXXX and XXXX of XXXX. Then in XXXX of XXXX I received a letter from the mortgage company saying my escrow was short by {$4600.00} and I needed to pay it or my payments would be going back up. I contacted the mortgage company asking them how this happen after just going through a loan modification and Escow being set up when I closed on my home. They said that my taxes went up and insurance. I contacted the city of where I live and they said they did not go up that much and didn't understand such a huge negative. I was in disbelief at this point and did not know what to do. I did not just have {$4600.00} sitting around to give them. So I became delinquent with my payments. I reached out in XXXX of XXXX to see if they could redo my loan modification because of what happen they denied me and said I had to wait another two years before reapplying. I am at a complete loss right now and do not know what else to do to keep my home. I feel this company was very sneaky in what they did which they did not include taxes that they knew would becoming due and just want me out of my home. They certainly had all the information needed to do the loan modification back in XXXX and failed to include the now delinquent escrow amount coming due in XX/XX/XXXX. I deserve an answer and to keep my home because of them messing up my loan modification. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXXXX/XX/XXXX I received notification from Fed Loan Servicing regarding the number of qualifying payments I have made for my public loan forgiveness application. The number of payments they have reported that I have made is incorrect. I talked to customer service and went through year by year the number of payments that I have made. There is a discrepancy between the total number of qualifying payments they counted and the actual number of qualifying payments. I requested that they send me a updated letter reflecting the accurate number of payments made and listing year by year the number of qualifying payments. They said it would take 60-90 days to review my case and make the changes. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review. I was told there were error regarding my payments and they would get back to me in 60-90 days. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review request. I was told there was a error with their IT department and IT needed to make changes to my account. They stated that there was no way of knowing when IT would make those changes so I could see the number of my qualifying payments. Furthermore, they stated there way no way they could make this a priority request. I have waited nearly a year for them to provide me with this information regarding my qualifying payments. I would like them to send me this information for each year the number of qualifying payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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 {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
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 ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.

Company response to consumer: Closed with explanation