BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Re : EQUIFAX- I have now made a second attempt with theworknumber.com which is also known as Equifax, to correct my employment information as this is how potential employers will check me against my resume. The first time, I got nothing, no results, no communication, nothing. When I made the dispute a second time on XX/XX/XXXX, they sent me an email saying I would get another email wherein I have to provide a copy of my Drivers License, a paystub and a utility bill in an email back to them in order for any action to be initiated. This should be illegal as it's just another tactic to not make any changes and leaves the consumer at risk. They already have my information and I had to use my SS # in order to get access in the first place, so that isnt good enough? I rent and all of my utilities are done online so I dont receive any bills to the house , this isnt 1980. I am also out of work at the moment and looking for a job which is why I need to fix this in the first place, so I dont have a recent paystub and the company I did work for did auto deposits so never got a paystub. So now because of the agencies again making it IMPOSSIBLE for the consumer to make any corrections, I will be at risk of being rejected for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Under the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable. During this time, I made payments on my federal loans to Aidvantage. I requested a {$10000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried so much about when the physical money gets back to me, since that has to come from the Department of Education, but I was expecting the loan amounts to reinstate on the Aidvantage website by now since they legally have to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As per Complaint # XXXX submitted to your agency on XXXX ( and was closed by your agency ). " Mr. Cooper continues to manipulate my monthly payments regardless of any past intervention from your agency. My monthly payment dated XX/XX/2020was again not applied as I wanted. My regular payment and extra principal was applied fully to the principal of my mortgage. I can not afford to have my monthly payments applied in this manner. It is obvious Mr. Cooper does not find your agency to be a credible protection agency for consumers. I respectfully request that you transfer my complaints to a state or federal agency if your investigation ( s ) do not provide any fruitful results. Thankyou!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX XXXX  can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.

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 2022-09-01
Company: Garrison Investment Group
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wasn't told compounded interest 9 % daily!! Foundation finance company XXXX XXXX XXXX XXXX wi. XXXX under XXXX XXXX or XXXX XXXX account XXXX XXXX balance XXXX monthly payments XXXX, for XXXX XXXX XXXX XXXX XXXX there phone # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2015 I was granted a Chapter XXXX discharge of debt from the U.S. Bankruptcy Court, XXXX District of California which included two judgments awarded to XXXX XXXX and their subsidiary XXXX along with their collection agents XXXX XXXX XXXX and XXXX XXXX ; specifically, Case No. XXXX ) & (  XXXX XXXX. XXXX ). XXXX, XXXX and XXXX complied with the court order and removed the debts from my credit profile but XXXX XXXX and Hunt & Henriques did not and failed to release the liens they placed on my property despite having been notified by the court via First Class Mail and electronic transmission in XXXX of 2015. 

XXXX XXXX and Hunt & Henriques have and continue to abdicating their duty to me and the U.S. bankruptcy court despite multiple ( FAX ) requests from XXXX XXXX XXXX of XXXX, XXXX Processing and XXXX XXXX XXXX requesting compliance with the court order and release the liens. It has become clear that neither XXXX XXXX nor Hunt & Henriques have any intention to release the liens on my property so I respectfully request the CFPB to intervene to the fullest extent possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold from XXXX XXXX to Carrington Mortgage Services , LLC . I logged into their site only to find that they charge " convenience '' fees if payments are made online or over the phone. I find this practice to be excess. Why should I have to pay a fee to make my mortgage payment online or over the phone? The only ways to avoid their convenience fees are to set up on autopay or mail a check. I have researched Carrington Mortgage Services , LLC online and many consumers give them a low rating due to fees but rating them low won't get rid of the fees nor control who services your mortgage. Many of those ratings also state that they have mailed checks the beginning of each month and the payments are not posted until after the grace period is up and thus incurring late fees. So it seems that Carrington is charging excessively for nearly any payment option. This seems unfair, unethical and unnecessary. 

Also, on my VERY first call with Carrington Mortgage Services , LLC I was told that my mortgage is 5 months past due and it is in fact current. I received a statement from XXXX XXXX earlier this week showing my mortgage next due for XX/XX/2021. I asked why it wasn't reflecting any of my payments and went through the dates the payments had cleared my checking account only to have them tell me that it takes time to load everything when a mortgage is sold. According to the letters I have received, my mortgage was sold to Carrington Mortgage Services , LLC on XX/XX/2021 and servicing was to begin XX/XX/2021, but they have NO record of any payments made over the 5 months. This is bit alarming and concerning as they are showing my account as 120 days past due when in fact it isn't. I also believe there are guidelines, rules & laws that payments received must be posted in a timely manner ; it should reflect the date it was received as the payment date.I can not risk losing my home due to their lack of accounting and crediting my payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX ( 3 Bureaus ) and 60 days late as of XX/XX/XXXX ( XXXX XXXX XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get 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 2021-07-07
Company: EQUIFAX, INC.
State: OH
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 checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: LA
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 two unauthorized inquiries on my credit report from JPMCB - CARD SERVICES, dates are : XXXX XXXX XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: UT
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:
I recently had my credit pulled and noticed that Equifax was not providing me with a score. I have multiple lines of credit open that report to them so I'm not sure why they're not providing me with a score. They are the only credit bureau that aren't providing me with a score and I need one immediately to begin my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both HSBC and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered these report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX CO XXXX Balance XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There has been accounts that are not authorized under consent or any written instructed approved. I need these accounts deleted immediately. I am human. This is no 3rd party. I have filed FTC Report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. Unauthorized Accounts : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Focused Recovery Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FOCUSED RECOVERY Solutions have three different account opened with three different amounts in which my son and his father has the same first middle and last name. 

FOCUSED RECOVERY SOL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Kriya Capital, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX when I made this loan they never told me at school ( XXXX XXXX XXXX XXXX XXXX XXXX ) that it was a private loan, honestly never, I accepted the loan thinking it was a student loan from the federal government, at that time I did not know XXXX and everything was handled by the representative in the financial service area, when I realized the situation it was too late, I was already involved in debt, I always regret not knowing XXXX and that the financial representative had deceived me. When I complained to the institution they said it was a student loan but private, at that time I was still confused. Years have passed and I have been very responsible with the loan, I have had my payments up to date, at some point I had to defer payments and I also had to participate in programs to reduce the interest on the loan for several months to be able to pay it, but I feel that this loan is not going anywhere, I feel that the financial institution ( Navient ) has handled this loan in an incongruous way, starting with the representative in the financial services area at the school who did the entire process in a deceitful way so that I would enter that XXXX XXXX XXXX XXXX XXXX, that was the first year that the school was offering the program in XXXX and they were doing a lot of things wrong in order to get the money from the students or the interested people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked to see your name on my credit report. I have never heard of RENT RECOVERY SOLUTIONS, LLC., You have never sent me any correspondence regarding this matter. I did a little research and saw you claim I owe a place called XXXX XXXX. I have never lived there. I did go there about 5 year ago looked at an apartment I didn't like it, I told them as much, and I lift never to return. I am Demanding Notice of assignment and Verification of the debt. I also intend to file a complaint against the Apartment Complex with the FTC unless this is off my 3 credit reports, as if it were never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: DISCOVER BANK
State: LA
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 an unauthorized inquiry on Inquiry date : XX/XX/2021 from Discover FINANCIAL SERvice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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: Their investigation did not fix an error on your report

Complaint:
I have disputed information on my Trans union credit report six times for XXXX XXXX XXXX. XXXX removed this account with no problem, but Trans union has not after numerous disputes. This account was closed on XX/XX/2016. My credit report is still showing a balance of XXXX. This company sold me a car under fraudulent terms. I wrote a formal complaint about this company with the XXXX XXXX XXXX They have thousands of complaints on that site for misrepresenting loan and contract amounts. XXXX removed this account promptly after dispute, but Trans union has constantly denied my request. TRANS UNION constantly has posted WRONG information on my account. Trans union appears to NOT want to HELP people to improve their credit but HINDER them. Also there is validation to my claim or XXXX would not have removed the account. WAKE UP Trans union you are messing with peoples 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : 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 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 2022-09-01
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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2019-08-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Most importantly, I am not debating or concerned about the denial. 

I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. 

The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. 

Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.

Company response to consumer: Closed with explanation