BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an existing customer with Freedom Mortgage with excellent credit and have never missed a payment. On XX/XX/XXXX I started a refinance process with them. For the past XXXX XXXX months I must have dealt with at least 8 different persons. I've sent them every document they have asked for 3 to 4 times over. On XX/XX/XXXX I was informed that everything was approved and to call and schedule a day and time for XXXX XXXX XXXX to sign the paper work. I scheduled an appt for noon on XX/XX/XXXX to do this. On XX/XX/XXXX I get an email saying that this appt has been cancelled and that I need to reschedule. I called Freedom Mortgage and set up a second appt for XX/XX/XXXX. Called the title company on XX/XX/XXXX to confirm the appt and was told that they do not have a record of this. Now both times we scheduled an appt a representative of Freedom Mortgage told me that a payment for XXXX and XXXX need not be made. My first payment would be on XX/XX/XXXX. Called Freedom and asked what was going on and could not get a straight answer from them. This morning XX/XX/XXXX I called Freedom and now I'm being told that if I do not make a payment by the XXXX I will be considered late. This is one of the worst companies I have had the displeasure of doing business with. I have worked hard and proud of my credit and I will not let them ruin that because the right hand does not know what the left hand is doing. I would greatly appreciate whatever help you can extend to me. 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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Student Loan Listed as : XXXX XXXX Date Open XXXX XXXX is reporting 60 and 90 days late in the months of XXXX and XXXX XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending Graduate School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and Transunion to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

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 2018-03-14
Company: EQUIFAX, 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:
equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: AES/PHEAA
State: MD
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:
The 3 credit companies are told to report the way or it automatic with me and others. I feel like as soon as I make a payment of {$500.00} or more my credit score does not go up at all but as soon as its a $ XXXX {$50.00} increase to anything on my credit it goes down 20/30 points. 

Then every thing that is in collections is being reported every month which I think is a inside job because the amount does not change but yet it keep being reported and making my credit go down and stay below XXXX. Since Janurary I have been paying my car note every 2 weeks {$500.00} each and once it gets reported it goes up 2 points but like I stated I get a {$20.00} increase in a bill it goes down drastically. I would like someone to open up an investigation on all 3 credit companies regarding my credit because I feel like I am being ripped off by these credit companies. I do not know if its the color of my skin or what but in the last couple of months I have bought my car note down almost {$5000.00} but yet no major increase. 

1 ) My collections are being reported every single month which is not right. 
2 ) I have paid {$5000.00} or more in car note in a couple of months but it has not budged. 
3 ) A account can get a {$20.00} increase and my credit goes down 30+ points 4 ) My school is on my credit and ruining my life even though the department of education has sued the school for fraudulent acts and the Dept of Edu won millions but the school loan is still on my credit. 

XX/XX/XXXX {$20000.00} in unnecessary loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My contact phone is XXXX, and email is XXXX. 

I would like some assistance in obtaining a loan reinstatement quote. At the beginning of XX/XX/XXXX. I owed past due payment of {$18000.00}, currently owe {$1900.00} in attorney fees and {$320.00} in late fees. We were scheduling foreclosure mediation at which time I was prepared to pay all the charges.

Covid19 hit our country and changed the landscape. I had a cut back in hours, increased expenses and my wife was laid off. The Cares act was passed, it offered an opportunity for a forbearance so those effected could recover. The cares act specified that there were no additional late charges, and the payments under forbearance would be address in a specific way. It listed repayment options, but also listed in several locations that no lump sum
payments would be required when exiting forbearance. 

In XXXX, I felt I was approaching a time, that I could resume payments. I approached Wells Fargo about a reinstatement calculation and was provided a sum of {$34000.00}, which included the {$1900.00} in attorney fees. This figure included all months under the CARES ACT Forbearance.

This reinstatement included months currently in forbearance under the CARES Act. I was instructed that the entire amount was due, I inquired about the forbearance and was told by several people the entire mount was due, they would not address the forbearance  payments. My payments are currently in forbearance thru XX/XX/XXXX and can be up until XXXX XXXX if necessary. 

The company, Wells Fargo is demanding all payments, even the ones under forbearance be included in the amount to under a foreclosure reinstatement fee.

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 2019-02-17
Company: WELLS FARGO & COMPANY
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:
The amount owed is incorrect and has not been updated and wells fargo continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XX/XX/2018.

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.

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 2020-12-16
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 information incorrect

Complaint:
I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.

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 2018-04-12
Company: EQUIFAX, INC.
State: NV
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:
The holder of the mortgage on my home, XXXX XXXX, has called and emailed me twelve times  in the last two weeks ( late XX/XX/XXXX through XX/XX/XXXX ). Various individuals identifying themselves as part of XXXX 's Retention Department indicated they were contacting me because the credit agency Equifax had alerted them that I have applied for a mortgage with another company. 

This is a violation of my right to privacy. I have never authorized XXXX XXXX to monitor my credit on an on-going basis, nor have I authorized Equifax to sell this information about me. My personal decisions about with whom I do business, whether I intend to refinance my mortgage, or seek a second mortgage or HELOC are personal private information that no third party has the right to sell or publish. 

If this is not a crime it absolutely should be!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to make a purchase today using my store credit card account. The transaction was declined, and the store called the credit card company on my behalf to inquire. They said that since I hadnt used my card in a long time, the account was closed. The only solution they offered was for me to apply for a new card. 

I dont recall receiving a notification that my account would be closed. The bank is still reporting it as an account in good standing on my credit report. It seems like theyre treating it as open and closed at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for Experian, XXXX, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in 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 2020-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im in the process of trying to get a house. I noticed on my identityiq account that some information was different on my Equifax report then XXXX  & XXXX  report. After a failed attempt of not being able to log into my account I called Equifax to report it.The security questions the representative asked me I couldnt answer the questions because I kept explaining that I have no knowledge of those accounts so someone must have stolen my identity. The rep said because I couldnt answer the questions he couldnt grant me access. This situation went on for a month. Last month I think it was XX/XX/XXXX, spoke with another representative. This representative did the same thing with the security questions Im explaining the same thing to her. She stated that I needed to send a copy of a form of ID, social security number, & a letter stating why I was sending the papers. I faxed the copies like she said. A few days later I still couldnt get into my account. I kept being told the same thing over and over. I called this morning explained to a representative name XXXX the situation. He then asked me two security questions. The first question was about me having a credit card and the credit limit. I explained to him the credit card I had years ago. He asked for the name of card so Im trying to scroll up phone to find it. So I told him the name. Then he became rude and started raising his voice saying NO WHAT IS THE ORIGINAL CREDITOR NAME? I said well you didnt say whats the original creditor name. I gave him the original creditor name. He then asked for my place of employment. I gave the name. He then said Ok Ms.unfortunately I will not be able to grant you access to the account because the answer for your job isnt up here. He then stated that I would to mail in a letter to request a copy of my credit report. I said sir I just told you at the beginning of the conversation that I had already done that. He looked it up and said O yea you sent it in but it was shredded because it wasnt legible. I stated that Ive feel like Im being sent all over the world just to get access to my account. I know that that their making sure they have the right person but like I kept explaining to them that someone has probably have stolen my identity because I have absolutely no knowledge of those questions that they were asking me. Everyone expect the representative XXXX was nice, but he was rude. This is very aggravating because I need access to my account because I am in the process of cleaning my credit and I need to know if someone has stolen my identity. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since last year I began receiving mail from a company named Diversified Consultants. They went from mailing me threating letters to also contacting me at work and at home threating to garnish my wages and to ruin my credit. 

I contacted the police and filed a police report because it was evident they were collecting on a fraudulent account. I notified them yet the cease to stop collection tactics and have now placed derogatory information on my credit bureau reports. They have reported erroneous information to all three credit bureaus AND clearly this is not my account and I am a victim of fraud. 

Please see my attached police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 amount of {$5400.00} XX/XX/2018 {$7400.00} XX/XX/2018 {$4100.00} placed on credit report and affecting my ability to refinance home as well as get my credit together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Resurgent Capital Services L.P.
State: LA
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 see things on my credit report I dont remember using

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bonneville Billing and Collections
State: CA
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:
XX/XX/XXXX I sent a certified letter XXXX to Bonneville. They never responded to multiple requests for verification of the alleged debt. I have not resided in Oregon in over 8 years. on XX/XX/XXXX I sent a second follow up letter demanding that the inaccurate unverifiable account be removed from my credit. no response yet Bonneville continues to maintain this disputed account on my credit report. I contacted XXXX XXXX XXXX to inquire about such debt and was informed they were unable to locate any account in my name. Only one with my mother 's name with her former address from back in XXXX. I do not owe any such debt and have been continually ignored. this account should not be on my credit report as it violates Federal laws and no proof exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After negotiating a payoff amount of the loan, and sending payment on the mortgage. SunTrust has failed to send satisfaction of mortgage notice to the county clerk. I have requested of them to comply with the law and have them then quotes from the law.

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 2017-11-29
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX SECURITY BREACH...

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX  is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS.

HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION.

IAM A VICTOM OF XXXX SECURITY BREACH...

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