BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in late XXXX due to Covid employment issues, I contacted our mortgage company to inquire about an arrangement due to loss of income due to Covid. The bank informed us they were giving us three months to not make payments and we can do a loan modification to have the three months added back into the loan. Seemed fair. We afterwards received some documentation telling us were in forbearance. I attempted to reach the bank multiple times about the loan modification process and my eagerness to get the process started n completed. I heard nothing. After multiple calls to the bank Cross Country Mortgage. I finally spoke to someone who told me, that we would be contacted bout the loan modification n in the meantime go ahead n start making our payments again in XXXX as planned. And so we have. I had to call in XXXX n inquire why the bank reported late payments to the credit bureaus when due to Covid we were told that wouldn't be the case. The bank told me it would be taken care of and that shouldn't have happened. I also disputed these issues with the credit bureaus and it was removed. Now, I can't make a payment online n I call n they tell me I requested to be moved to loss mitigation n no loan modification was requested. What?! I've attempted over a dozen calls to the bank n the poor " horrible at their job '' customer service rep gets angry at me and acts like I've done something wrong n says I called in XXXX saying I couldn't make payments, when I had paid in time both XXXX n XXXX as initially instructed. What's going on over there? I've had to request again a loan modification from Cross Country Mortgage today XX/XX/XXXX. They've misled us as customers, can't give me anything in writing upon our conversation n now they're treating us like bad borrowers when we've met every obligation agreed to on our end. We simply want to resolve the Covid relief period, do the loan modification as initially offered n continue making our payments each month like we always have ( minus the three months from XXXX XXXX, as agreed upon due to covid-19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AES/PHEAA
State: VA
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 XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX XXXX XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged.

Following my receipt of this letter XXXX XXXX and XXXX reported that the loan was closed and reflected a XXXX   balance. This raised my credit score to over 800 and " Exceptional. '' XXXX continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect.

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX  and XXXX  and never with XXXX?

Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union continues to report inaccurate information on my credit report..however ; they will not allow me to submit a dispute. They are allowing negative reporting which is effecting my credit score but not allowing me the ability to dispute it. They have reported inaccurate information for the past three months, updating my report in XXXX, in XXXX and now in XXXX with negative inaccurate info, but not once allowing me to dispute it. I have even called into Trans Union and spoke with a representative and they are refusing to allow me to submit a dispute.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

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 2021-02-26
Company: EQUIFAX, INC.
State: MD
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:
The problem was that I got a letter in the mail saying that Equifax can not assist me with all my Disputes because of unable to locate a credit file or right address. but when I check my credit file my right address is on my credit report with Equifax I send out Disputes 3 times NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Santander Consumer USA Holdings 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:
This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company Discover closed my account with no real warning through mail and I am worried it may harm my credit score even tho it is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX for a long-form fee -theft! 
XX/XX/XXXX XXXX was charged for a late charge. 
XX/XX/XXXX XXXX was taken for a bad check? just getting started with you, XXXX. 
XX/XX/XXXX XXXX was stolen for fake insurance once again XX/XX/XXXX XXXX late charge. wow that's impressive XX/XX/XXXX XXXX taken for escrow again-how much can you take in one month and not get caught XXXX? 

XXXX XXXX for escrow again-hmmmm something is fishy. 
XX/XX/XXXX XXXX late charges-hmmm just unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX fee for bad check? we don't write checks XX/XX/XXXX XXXX county tax disbursement-what county? doesn't say. 
XX/XX/XXXX XXXX to school taxes when you know that is a lie XX/XX/XXXX XXXX for fake hazard insurance-we paid for insurance XXXX XX/XX/XXXX XXXX for fake hazard insurance again XX/XX/XXXX XXXX late fee XX/XX/XXXX XXXX for school taxes again that we were overcharged once again. 
XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX for lock changes? what? unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX principal adjustment- its stealing from us XXXX XX/XX/XXXX XXXX principal adjustment again-stealing XX/XX/XXXX XXXX forbearance fee-what? 

Remove all of this and release the lien. I am just getting warmed up. 

Quit wasting my time with your poor defense. If you're going to be an attorney then you need a defense. How can you defend this? 
You have a commitment to being an attorney if you would like me to print it out and send to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: FL
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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient constantly calls me while I am at work, they just XXXX my phone with back to back calls. Even when I have no payments owed, or after asking them not to on AT LEAST 4 occasions. They are literally putting me at a disadvantage to earn money, and keep pestering me to make payments, even when nothing is owed at the time. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-08-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-08
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: Account information incorrect

Complaint:
First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This is a general complaint. Experien has been advertising a product called Experan Boost. The advertising implicitly states by showing actors who claim they boosted their credit score between 16 and 46 points when they joined Experian Boost. 

If as the advertising claims, any one who pays money to purchase this product would automatically Boost their credit score, then the entire Credit score is fake and a shakedown to get consumers to purchase a product to boost their score. 

I joined a free trial and saw my score go up, when I did not renew, my score plummeted more than it had gone up. There were no other attenuating circumstances, in fact I have been lowering my debt and credit usage the entire time.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: FL
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 would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

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 2020-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: IN
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:
In regards to the recent news that Equifax miscalculated my credit scores. I begin researching federal law regarding my rights as a consumer. In my research I saw that in USC 15 Title 94 Chapter XXXX that Equifax is a financial institution by association. They sold my consumer information to other financial institutions that I applied for consumer credit transactions. These financial institutions used this information to make a decision if they would allow me to open an account with them. Equifax also issued a credit score and released this information to the financial institutions that I applied for accounts with. This is fraud as this is not there place as I never gave them permission to do so. In 15 USC 6801 ( a ) Congress makes it clear that each financial institution has the obligation to protect the security and confidentiality of my nonpublic personal information. 15 USC 1681A ( XXXX ) ( XXXX ) says that Congress makes it clear that Equifax assumed this role which I never asked for them to do. Equifax has a grave responsibility to exercise fairness, impartiality, and respect for my right to privacy. Equifax has and continues to violate my rights as a consumer as their consumer reports have damaged my character and reputation when trying to apply for consumer credit transactions with various financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I co-signed a lease for my son for the XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX. He was evicted and I was later called repeatedly and notified in a letter from National Credit Systems , Inc XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX that a balance of {$11000.00} was owed. The XXXX XXXX never notified me of any owed rent. I also checked their website and it never showed anything about rent being past due. I mailed National Credit Systems, Inc a letter asking to please itemize specifically what is owed. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Tribal Lending Enterprise, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018 I was loooing for a company to borrow a XXXX $ from quickly. I filled application out on line and a man called me we talked about the loan And he told me Id pay it back every 2 weeks on my payday and the fee was XXXX $ to borrow the XXXX $ so the total amount was XXXX to pay back. The first payment came out and I paid XXXX $ and then I got a email saying I owed XXXX XXXX So I looked on line first and it has a place to see payment schedule but when you try to open that page the website wont let you look at it. So Ive called 2-3 times and cant get anyone to answer phone I used the chat service online and was transferred to service department and no one ever responded. I dont know how to get out from under this loan now. I made the 2nd oaymen And now I owe XXXX $ And Ive already given them XXXX $ toward a XXXX $ Loan. Each 2 weeks with this large payment only XXXX goes toward principal. Such a rip off. I was told the loan total to pay back was XXXX now its going to take thousands to pay back and I cant even see exactly what the true payment schedule is. Im willing to pay the principal off immediately and be done with this horrible company I do not want to give them anymore of my money for what they call fees

Company response to consumer: Closed with explanation