BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
my name is XXXX XXXX, today is XX/XX/2022 and i'm filing this complaint against the unfair practices at EXPERIAN INFORMATION INC without any help or assistance ... ... ... ... ... ..... 
in pursuit to FCRA 15 U.S.Code 1681i ( B ) ( i ) 15 USC 1681i ( B ) ( i ) -Information cant be reinserted without the information being reported 100 % complete and accurate. 
AFFIDAVIT Notice, it is a fact, affiant is aware, this information was previously deleted as shown in EXHIBIT ( A ). However I see this information associated with XXXX  ACCOUNT # XXXX has been reinserted on my consumer report yet again, and it is reporting both incompletely and inaccurately. This is a violation of 15 U.S. Code 1681i ( B ) ( i ) and XXXX ACCOUNT # XXXX must be removed.

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 2018-07-06
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This is causing me to fall behind on my home buying process which is why I have been trying to get this resolved ASAP.

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 2021-07-01
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Well, this complaint is about Comenity Capital Bank. I applied and was approved for a {$2500.00} limit on a new XXXX card. When I received the card in the mail, I realized it was NOT the Visa but the just regular card. I call and request that the card be converted. They inform me they can not do that, and I will have to cancel the card and reapply. I reapply and guess what? DENIED. There reason : " to many inquires '' So, I think that is very unprofessional, and I was not expecting anything, I just wanted them to do what they said they where going to do, and give me the VISA card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
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:
XXXXXXXX XXXX XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I contacted Navient to discuss my options of repayment on my student loans. I was told by the provider that I was not eligible for Income-based repayment, and instead would qualify for interest-only graduated repayment. At this time my loans had become overwhelming after a forbearance I was forced into due to my unemployment during the devastating XXXX layoffs. As I attempted to receive any relief from my provider, none was offered. In fact, it was difficult to hold a conversation with my provider whom did not seem to have the knowledge or desire to apply the best repayment program for my situation. It is only now in XX/XX/XXXX, that I called again to discuss repayment possibilities because I became aware of programs that apply to me that were never offered by Navient. And it is only now, Navient was more than helpful. As a XXXX I am eligible for Loan Forgiveness. I am also, miraculously, eligible for Income-Driven Repayment, which was denied to me before and will not do anything for me now that  Navient has collected all of their interest from my loans. It will actually only lengthen my payments to provide Navient with additional interest. I am very displeased with the prior service of my Navient provider. I missed out on very helpful programs that I was eligible for at the time they were denied or not offered. I made very large payments that were interest-only, only benefiting Navient and putting my family in turmoil. Navient has received a monstrosity of interest payments from my family due to their willful negligence of providing myself with the best suited repayment options and programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: High Performance Capital
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Morning, I am filing this complaint on High Performance Capital. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau XXXX and as well High Performance ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to XXXX that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted XXXX and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The options I chose are not exactly what happened but I chose as best as possible. I was the victim of XXXX  malpractice. As a result I had to see a number of specialists, an ER visit for several days, etc. My husband arranged payment plans for all my bills. We were making regular, monthly payments with this particular creditor until XXXX when the coronavirus really hit us financially. We did fail to contact them to tell them of our hardship - it was kind of sad and embarrassing to be honest - however with utilities, et al giving hardship forgiveness, we figured these creditors would too. However, they never sent us a warning or final bill ; never tried to contact us to see what was going on - even though it should have been obvious. They just sent it straight to collections. I feel this is horrible - really uncaring and inconsiderate all things considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
i am trying to refinance the existing mortgage and the current loan holder is not providing me witht then ninformation i am requesting. i submitted the request and they are telling me it will take 30 days to reecive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The bank dont want to close my account. I visit 5 times the branch to close the account. The bank dont want to close my account. I ordered them to close my account giving a letter to the advisor of the branch and dont make any action. I email close order and they dont take any action. The ignorance of the bank has caused charges on my accout due to the bank irresponsability. I have transactions on my account undefined. I want every transaction defined with a name of the merchant amount and check number as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare.com is the servicer of my mortgage. I have reached 78 % of the original value of the property. ( 22 % equity ) and LOANCARE refuses to terminate PMI as required by the HPA of XX/XX/XXXX. The loan is current and I have never had a payment 30 days late or later. 

Borrower Name XXXX XXXX. Property Address XXXX XXXX XXXX XXXX MA XXXX. Current Principal Balance {$140000.00} .. Property Value {$190000.00}. Phone Number ( XXXX ) XXXX. Email Address XXXX.. General Loan Information Current Principal Balance : {$140000.00} Loan Origination Date : XX/XX/XXXX Next Payment Due : XX/XX/XXXX Monthly MI amount : {$96.00} Total Scheduled Payment : {$1400.00}

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 2020-02-25
Company: TIDEWATER FINANCE COMPANY, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions 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 began disputing these items with XXXX XXXX, Experian and XXXX   beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Goodafternoon, my problem is that I did a mobile deposit to my bank ( Capitol One ) in XXXX XXXX of a {$1500.00} check. This was on a Friday, so I expected my check to be cleared on that Saturday. That didn't happen so on Saturday I went to a local branch to find out what was going on. I was told it was going to take a couple of days for this to happen. About 3 days pass by and I called the Bank to inform them that I wanted to cancel the check, the representative that I spoke with told me there would not be any problem in doing so because I informed him I needed the money so I was going to cash it at Check cashing place. Doing so he proceeded and informed me there would not be a problem with him canceling the check. I went and cashed my check elsewhere. On XXXX XXXX I realize my account has a negative balance of {$1400.00}. I called the Bank to find out why and they informed me it is because they adjusted the amount to my account. I asked to speak with a manager and I explained to her the situation and she informed me that once a check is deposited there is no way of canceling the check, but I clearly told her I had called and spoke to someone and they told me otherwise. She said she was going to retrieve the calls and find out what was going to happen, the representative told me someone would call me in 3-5 business days, and I heard from no-one. I proceeded and called back 5 days later and she informed me someone was trying to get in touch with me, but to my understanding no-one called me nor left me a message to call back. She told me someone was going to call me again but again no-one did. So today on XX/XX/2018 I called and no-one gave me an answer the representative I spoke with told me the same thing as before. He didn't give me a way to solve my problem or any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Inaccurate Reporting XXXX XXXX XXXX Reported date different mutitple inquirys wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charge from XXXX for an amount of {$200.00} and a few cents on my credit card statement when I had started to dispute on this there were several things going on with my account pertaining to unknown charges on my account was restricted until they fixed all of my accounts. I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: Waypoint Resource Group, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MD
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:
For the past three months I have noticed that my credit score would decrease by approx 20 points and would increase by approx the same amount of points at the beginning of each month. I have pulled my credit report several times over the last 3 months to ensure that there aren't items I need to dispute and determined that everything is the same and that I did not need to dispute any items. No new debts/collections have been added over the past three months as well which is why I am not sure what would warrant equifax to lower my score and then add back the same points consistently for the past three months. It's as if my score is being purposely manipuIated. I have been working really hard over the last year to pay off debt and consistently pay all my bills on time to repair my credit and increase my credit score. This has been extremely frustrating because all the work is not paying off due to this issue. I am not sure why this has been happening. I have called equifax on several occasions to request that someone look into this matter for me but no one will do anything. I have also requested to speak with Supervisors ' but have been denied. The only thing they state is " if you would like to dispute an item we can assist with that '', I don't have anything to dispute at this point, I just don't want my score unfairly decreased for no good reason. I would greatly appreciate it if someone could investigate this for me. Thank you-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have been disputing an account this is impacting my credit score because XXXX and TransUnion are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both Transunion and XXXX are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.

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 2020-08-27
Company: Convergent Resources, Inc.
State: NJ
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 paid a collection from XX/XX/2019 to a company and ask for a letter of deletion for payment. 
I received the letter and the collection is in my credit report under PAID. This collection is only under XXXX. I receive a letter from the company regarding to delete the collection but it remains 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