BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMCOL Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am in the process of improving my credit. My health insurance should have covered this medical expense and therefore I beleieve I should not be held libaile for this debt. My goal is rebuilding my credit score and these remarks are hurting my credit. Getting these remarks remove would Shorten the obstacle on improving my credit score. 

amcol systems inc $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call and a letter from the XXXX XXXX XXXX, Letting me know that they were going to sue me on a payday loan. I took out this loan back in XX/XX/XXXX/XX/XX/XXXX, and they are claiming that I committed Fraud on them. This statement is not valid, but the main issues are, the debt is over the statute of limitations to collect in the state of Oklahoma, which is the state I took the loan out. XXXX threatens to take me to court, calls all the time and now are telling me that " my case has been noted with malicious intent to commit fraud. '' This company is harassing me, calling me all the time and they are just rude. I try to tell the customer service reps that it's out of the statute of limitation and they yell and call me a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, experian, equifax, and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XX/XX/XXXX, equifax, norXX/XX/XXXX consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX credit bureau as well as Experian are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and Experian credit bureau

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 2020-06-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit at Equifax. I now can not unfreeze the credit. The company 's website, IVR phone system and contact centers are not working ( the recording says due to Covid ) or allowing the unfreeze. There is no one available to speak to. I am urgently trying to complete an application and co-sign for a place for my aged father to live. We can not complete an application if the credit is frozen. We are extremely frustrated and angry that our father 's housing and safety is at risk because Equifax can not support the essential function they have been given the responsibility to manage. We have tried to resolve this for days with only dead ends. We have tried calling, e-mailing, faxing, web site communication, and they are all inoperable and or not effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent off three letters to the credit bureaus, one to transunion, one to XXXX, and one to XXXX by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and transunion, XXXX received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.

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 2021-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 I am out of work.

Specialized Loan Services will let me skip three months of payments but on the fourth month, ALL FOUR months are due.

I do not think they are Federally backed and do not have to follow the new guidelines. 

I think. 

What can be done if they are not Federally backed? Am I just up to their whims? They bought the mortgage and I have no say.

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 2021-04-08
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open a checking account with Schwab on XX/XX/XXXX. However, they still haven't approved the account. They said there is a delay in processing new accounts. But the company do little to fix the issues. Iv talked to them many times, with little help to get my account opened. It's been more than 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Uber Technologies Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had a background check did by XXXX ( they used XXXX ). In the repoert summary information, they did county searches that were clear, but there are three counties listed that I have not had any association with, one in an actual state that I have never even been to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: OH
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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: MS
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 XX/XX/2020, I sent a letter stating that I had pulled my credit report and noticed errors that were reported by the company. I asked the bureau to investigate and send me an updated copy once their investigation was complete. I received no response and it is 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current VA mortgage holder with Freedom Mortgage. I was called by XXXX XXXX NMLS # XXXX, on or about XXXX XX/XX/2020, XXXX ext XXXX and emailed by his XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2020, XXXX regarding refinancing my home loan to 2.375 %. I completed all the paperwork they sent digitally and Freedom Mortgage handed my closing off to XXXX XXXX XXXX ( XXXX # XXXX ). XXXX XXXX   XXXX sent a " Borrower Confirmation '' email stating the date of closing would be XXXX XX/XX/2020, XXXX EDT at my home address. The email also stated that the signing agent conducting the closing w/ Freedom Mortgage would be XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX. On XXXX XX/XX/2020, the signing agent did not show up at my home, did not call, did not text or email. I have yet to hear from Freedom Mortgage, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I called XXXX XXXX and XXXX XXXX XXXX XX/XX/2020 and left voicemails. I also called XXXX XXXX, XXXX XXXX, XXXX and left a voicemail. The evening of XXXX XX/XX/2020 I emailed XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. I have sent additional emails to these individuals on XXXX and XXXX XXXX. I have left three voicemails with XXXX XXXX and never received a call back. Freedom mortgage ( XXXX ) states that she has handed over my case to Freedom Mortgage Closing department and can do no more. On XXXX XX/XX/2020 I was on hold with the Freedom Mortgage " Escalation '' department for over 1 hour and 15 minutes before I hung up. On two other occasions I called Freedom  Mortgage customer service and provided a call back phone number. NO ONE from Freedom Mortgage has contacted me. In the mean time, all my personal information regarding the refinancing of my mortgage is out there somewhere and I am concerned that my home title could be at risk of fraud. I wrote a negative review on the XXXX website on Freedom Mortgage and I lodged a complaint on Freedom Mortgage webpage. At this point, I don't even care about the refinancing, I just want my data/title protected and this action to be closed. I need to be contacted by Freedom Mortgage Closing department so we can get this resolved.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/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 2020-07-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 late payments ( inconsistent ) on the dates below : 60 days late starting XX/XX/2018 ( all  3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement 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 2021-02-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: M&T BANK CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, I received an escrow analysis increasing my payment from {$780.00} to {$1200.00} because the company paid not only my tax bill, but a 2nd tax bill for a house in the area. They misappropriated {$2400.00}. When I called them, they told me I would have to prove that they paid taxes inaccurately. When I called the tax assessor for my parish, it turns out not only did they know they made an error, they had already requested a refund that was in process. They received this refund on XX/XX/XXXX. They refused to fix their error until they had the money back ( money I did not misappropriate ). They then told me they would allow me to pay my {$780.00} payment on XX/XX/XXXX and they promise not to mess up and mess up my credit or my amortorization on my loan. I can not trust this. They told my closing attorney 's office ( who called them ) 2-3 weeks and when I called today, they are now stating another 30 days to correct their own error. In addition, they can not read insurance documents ( or they are harassing me ) and sent me a letter that there is not enough insurance on the property. I have responded by fax today placing astrisks where the correct information is on the insurance doc proving the insurance is sufficient. This is the same insurance and insurance company that was approved for my FHA closing. My mortgage rep helped me get it so it would be accurate for my loan. I need my payment fixed immediately. I did not make an error. I did not misappropriate money. The supervisors do not care and expect that I trust they will not misapply the payment for XX/XX/XXXX. I can not trust this company. They can not read and they expect me to pay for my errors.

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 2021-01-20
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This item appeared on my credit report, I never received any letters from this company. Once I reviewed my credit report I immediately sent a letter for the agency to validate this account as per the Fair Deb Collection Act. I have documentation that the agency received the request for validation on XX/XX/2020. Once I did not receive a response nor any documentation to validate this account as well as their license number, I disputed the account with the credit bureaus to have them remove. The agency responded to the credit bureau stating valid. However ; they never validated this account with 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