BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX   XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX  XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor.. 

My address is XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Based on the option I selected, the 'error ' is that JPM Chase and the bureaus continue to report two unverified, invalidated accounts without providing original documented proof. I have repeatedly disputed these two student loan accounts with JMP Chase and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. Seriously??? If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from Chase or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that Chase provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the two disputed accounts. If they do not have this, then I in turn demand that they DELETE these two truly unverified, invalidated, inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
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:
Portfolio Recovery - XXXX XXXX - is reporting on my credit report erroneously for one ... They are reporting multiple times and different info on my report. 
This debt is over 7 years old and past the statute of limitations. 
For 2 this was an erroneous small interest charge that was billed when I was XXXX. And per the SSCRA they can not charge fees or interest when out on orders. 
THis was not valid in the first place and illegal ... and the debt is now so old it is past the statute of limitations. 
I served our country and this is ridiculous. Still fighting this for all these years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value. 

Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
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:
My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from XXXX XXXX on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!

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 2019-04-15
Company: Kansas Counselors, 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:
I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and XXXX asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
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: Their investigation did not fix an error on your report

Complaint:
I recently sent a letter to Equifax asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. Equifax stated in their response that the account with XXXX XXXX was updated but noting was mentioned about XXXX XXXX. The letter was received by Equifax on XX/XX/2019. I did not receive a response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. That is well beyond the 15 days allowed. Additionally, I received a letter from XXXX XXXX XXXX   dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask Equifax how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... Equifax ... XXXX ... nor XXXX have done such. The inquiry is STILL on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our short sale offer is being countered to remove the buyer 's request for LESS THAN 3 % seller concessions even though they are a financing purchaser. The offer is even a bit higher than the BPO so the net amount is a non issue. It is unethical to not allow seller concessions to financing buyers. MOST buyers are financing and require closing costs to purchase, Ocwen not allowing this will make their borrowers unable to sell their homes and go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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:
When I call XXXX XXXX and Experian They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

XXXX Experian and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 called today XX/XX/2021 the FICO, TransUnion, XXXX, and XXXX. I called TranIsUnion, XXXX  and XXXX : who or company or organization is making my credit report to up or down. XXXX, Transuion and XXXX basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating.

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.

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 2019-04-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit score dropped XXXX points for no reason, called EQUIFAX ( non issue with the other two credit score companies ), who this issue is with, could not actually talk to anyone in detail since they can never actually confirm who I was even though I provided all info they requested and it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.

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 2018-03-23
Company: Rothberg Logan & Warsco LLP
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX. 

The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information. 

On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call. 

On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim. 

Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've been trying to have XXXX back taxes paid my mortgage company for months now. XXXX XXXX is the company. The county reported only taxes for land when the home was built. They sent us a bill of approx.. XXXX dollars for taxes on the structure end of XXXX. I consulted with XXXX XXXX and said to pay them instead of the county directly. They have the money in escrow and I can not for the life of me get them to pay XXXX county. They have sent a garnishment of my pay to my company and have sent me Forclosure letters. 
They have the money ... Why won't they pay!!! I've talked to 7 different persons at the mortgage company and they had promised last week that this was taken care of. I need your help.

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 2020-06-26
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:
There are inquiries on my credit report that are older then 2 years. These are inquires from XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2017-12-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till 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 explanation
Consumer complaint received 2017-12-01
Company: CITIBANK, N.A.
State: TN
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:
Previous complaint # XXXX I have contacted XXXX to process an dispute about Citibank deb was included in the 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