BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: Experian Information Solutions 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:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

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 2021-04-13
Company: EQUIFAX, 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:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC keeps reporting invalid amounts owed to the original creditor. This company bought the debt from XXXX XXXX Bank and every week or two weeks it increases its amounts. This account is closed and therefore shouldn't be accruing any interest rate fees. 

I've sent letters to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) and ask for them to investigate and neither one has corrected this problem. I paid {$450.00} in hopes of getting this resolved and yet it's still being reported on my credit report after they agreed to the amount paid. This collection company uses tactics that aim at hurting the consumer instead of actually resolving a matter. 

I would like this derogatory account removed from my account as it has been detrimental to the advancement of my credit building efforts. This company uses practices that should be illegal and I will be seeking legal actions against all parties involved if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text saying my bank account was compromised and to respond with Yes or No if I tried to do a transaction of {$3500.00}. The number was the Wells Fargo message number after I responded No, I got a call immediately from a bank representative. The phone number was the legit Wells Fargo number as I had double-checked the back of my debit card. They said I'd have to XXXX  myself the funds that were compromised, since the daily limit is {$1000.00} they set up an appointment the following day to finish it. The next day on the XXXX the scammer who impersonated the bank did call me on time and asked me to wire transfer the funds to myself. I figured it was legit since as stated they masked their real number with the Wells Fargo customer service number and followed the exact same procedures the bank does. The scammer however had access to my mobile login info and was able to use my information to send the money to his own account which I found out is a XXXX account. I called the XXXX to ask for a follow-up explanation and they informed me it was a scam. Immediately the lady who answered me made me feel ridiculous and said this fraud was all over the news. I had no idea this was happening as Wells Fargo didn't address this mass fraud problem in an official letter until the XXXX of XXXX. I have been going back and forth with the bank trying to get my money back but they are saying it's my problem as I ultimately sent the money. It's insane that it's been nearly 3 months of me being sent back and forth to different departments with representatives not even knowing how to handle it, and me spending nearly 2 hours on the phone with them. I have no clear answer as to how or if I will be able to get my money back, as the claims have been opened and closed multiple times. The last solution I can think of is filing complaints and having to talk to the FBI.

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 monetary relief
Consumer complaint received 2021-06-11
Company: Lendmark Financial Services
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: Account information incorrect

Complaint:
This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit 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 2020-12-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I sent a debt validation request to Lowes on XX/XX/2020. Lowes received the request and has not responded to my request for validation of this alleged debt

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 2021-12-01
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong 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 non-monetary relief
Consumer complaint received 2020-12-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a bill from XXXX XXXX XXXX in XXXX. It was a {$200.00} bill from XX/XX/2016, for my son when he was born. I had two insurances at the time. ( XXXX XXXX XXXX XXXX XXXX XXXX ) The bill was sent out to XXXX XXXX but never got billed to my secondary insurance, which would have taken care of the rest. I have made calls to both the hospital and the collections agency XXXX and have been told the bill is so old the only option is to pay it. XXXX offered me 20 % off the bill if I paid them right now, and said the only way it can come off my credit is to pay it. I cant understand how I never received a bill or any document notifying me I was going to be turned into collections. If I had, this would have been cleared up through insurance. I want this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is 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 2022-04-07
Company: EQUIFAX, 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 bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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:
Hi Team ; I'm not sure what's going on with this XXXX XXXX account number. It just doesn't make sense at all. I personally went to XXXX XXXX because i saw a charge-off account on my credit for {$280.00}, and when i talked to a representative there, she said that it was transferred to XXXX XXXX XXXX XXXX. However, when i check all my 3 bureaus ' credit reports, it's not reporting as such. NOt only that, my the balance that's on my credit report is completely incorrect - instead of {$280.00} charge off balance, the rep said it's now $ XXXX. How is that even possible. For the last 6-9 months, i been trying deliberately to resolve the issue, but the credit bureau and XXXX XXXX continue to reply back as reporting as accurate. How is that possible? If the account is reporting incomplete, misleading, incorrect information including the balance and they failed to report who is the company that they transferred to. This is illegally reporting and it's unverifiable account. It's my understanding under the provisions of frca, that the furnisher and the credit reporting agencies need to ensure that the account is reporting 100 % accurate - well,, this is inaccurate this is in violation of the consumer laws. 

Again, here is the list of errors with this account for your summary : This account has the wrong balance This creditor does not own this account This account was sold but still reports a balance Doesnt show transferred/sold but does not say paid and doesnt have a balance Each bureau reports a different date of last activity Account has been re-aged Account disputed and nothing was sent to me to legally verify this account this is the confirmation of payment : CONFIRMATION OR ID NUMBER : XXXX XXXX XXXX XXXX XXXX {$200.00}

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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a PayPal credit account a few months ago. I decided to try the autopay, and it caused two errors. After the first error, I called customer service, and the {$29.00} returned check fee was restored to my account. The same thing happened again on XX/XX/XXXX. The XXXX customer service representative claimed that my bank rejected the auto payment, and they were closing my account because of too many " dishonored payments! '' I was able to make the remaining payments including a {$29.00} " returned check fee. '' I made a manual payment the following day on XX/XX/XXXX for {$110.00} with all the same bank information. The manual payments always worked without a hitch. 

Also, my bank confirms that there is no record of any rejected payments to XXXX. 

My XXXX  credit account was closed and I was offered to apply for another one the next day.

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 2021-12-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted Navient repeatedly to provide me with updated documentation that my accounts are reported accurately, which I am disputing and they have failed numerous times to provide me with any documentation as to my repayment history. This is in direct violation of the FCRA, and has resulted in them reporting late payments on numerous accounts. I can not make payments on time if I do not have the information available to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: AMERISAVE MORTGAGE CORPORATION
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:
I just only asked this company basic info on " their mortgage cash program '' they took this lil conversation too far. I would never use this company for my mortgage in life, they Rep is like 1 Star. ' Im very happy and content with my mortgage company, XXXX XXXX XXXX because I am a XXXX percent veteran, with a great VA Home loan. This company has no right to pull may credit, I gave them no permission what so ever and not even my ssn. Also they have no right to pull my credit every month and send me the results, with your company approval? on the document. saying I can get more info if I write or call www.consumerfinance.gov/learnmore. This is not right and Im being VIOLATED AND STALKED AND HARRASSED AND IDENITY STOLEN BY THIS COMPANY. I'M SUING THEM AND IM LETTING THE UNITED STATES GOVERNMENT KNOW, WHOM SPONSORED MY MORTAGE WHAT DAMAGE THEY ARE DOING TO ME. I WANT OUT OF THEIR SYSTEM AND I WANT TO GET PAID FOR THE DAMAGES THEY HAVE CASUED MY CREDIT AND HARDSHIP ON ME. THEY OWE ME {$750000.00} FOR THIS DAMAGE.ASAP!!!!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Affirm Holdings, Inc
State: PA
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:
Affirm announced me as deceased to XXXX. I filed a dispute with XXXX who stated the information is accurate. This needs to be fixed.

Company response to consumer: Closed with explanation