BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the financial impact of the pandemic, we applied for forbearance with Loancare. It was not realistic to pay four months of mortgage payments so we applied for the loan modification on XX/XX/21. Although we were in this process, Loancare reported our payments as late to the credit bureaus resulting in a dip of over 100 points to my credit score. During this time, I attempted to rectify the matter with Loancare, to no avail as I the responses varied each time we called. It was only after filing a complaint with the XXXX XXXX XXXX that Loancare corrected the issue with my credit score. To date, Loancare has not provided documentation of the terms of the modification nor does the website reflect changes although we have been told by agents to pay the modified amount. On several occasions, we have been told these changes became effective on XX/XX/21 and the payment was timely and deducted from our account. On the other hand, Loancare continues to send routine notices that our account is delinquent. We have completed the modification paperwork and have been told that the process is complete. On XX/XX/21, I received alerts that my credit scores have once again decreased over 106 points as a result of Loancare reporting we are 120 days late on our mortgage. I contacted Loancare and spoke to agent XXXX who also reinforced that our modification is complete and that " she doesn't know why these credit unions do this ''. According to XXXX, she could not adjust the score. She ultimately transferred me to her supervisor, XXXX, who echoed her sentiments. Lacking integrity, continuity in communication, and overall professionalism, it is evident that Loancare has no regard for the welfare for their 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 2017-10-06
Company: Equitable Acceptance Corp
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was talking with my student loan provider, XXXX XXXX and they suggested that I call you to report XXXX XXXX due to the fact that they charged me {$1300.00} to consolidate the loan where it could have been accomplished free. 

They set me with XXXX XXXX for the loan consolidation fee of {$1300.00}. Additionally, I am charged 21 % interest. 

I was initially contacted by XXXX XXXX via phone to refinance and to consolidate my student loan. 

At no time, did they tell me that I could go directly to XXXX XXXX and re finance for free. 

XXXX XXXX was outraged this happened and suggested I report is to prevent this happening to future unsuspecting victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Systems International is trying to collect a debt for XXXX XXXX and XXXX, however, XXXX told me that if I stayed on payment plans, which I am, that I would never be sent to collections. XXXX lied which is a violation of the Texas Deceptive Trade Act, Consumer Protection Act. With that being said, this debt should not be in collections. Furthermore, XXXX has never given me any notice that there was a problem or change to my payment plan. 

I'm also being charged for a {$200.00} test that was not completed for me and is an error in billing, but XXXX refuses to assist when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: TX
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 still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a report at the government website, identitytheft gov and i sent it to the bureaus. my credit report had fraudulent accounts. The accounts where removed, but a few weeks later they where placed back again. I filed another report at the goverment website. i also was made aware that my information was leaked during an equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: CT
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:
XXXX credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every Month. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from Equafax that XXXX reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..XXXX Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. XXXX is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital One allowed someone to open a account in my name using XXXX. I dont use XXXX I use my married name XXXX. This person is hacking into my emails and getting my information and ordering things. My credit cant approve because of this person applying for everything. XXXX   got 17 off my record and my credit is still poor. I made police report and FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In less than a 24 hour period I have received three separate phone calls from Frontline Asset Stratagies. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of my social. When I called back to find out who was calling, I was threatened with a lawyer. Frontline then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need Frontline to cease contacting my former relatives (ex-brother-in-law.)

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Prime Recovery LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They sent repeated emails claiming to be from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LLC, however the emails I received on XX/XX/XXXX, XX/XX/XXXX failed to disclose the account or why they were contacting me, until I reported the emails back to them as potential spam. 

Since then, they have called excessively, upwards of 7 times a day. They have also started to text my phone number. On XX/XX/19, they texted twice with the repeated message in the span of one hour. They have done this repeatedly for three days straight now. 

I had contacted the Bank to resolve the issue. The texting, phone calls, and emails has become harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX we were forced to go thru the loan modifacation process to prevent forclosure with the federal foreclosure court in my county ( XXXX XXXX XXXX  ) as a result of this process the mortgage holder was told to decrease our APR and also told to assist us in any way they could to keep this from happening again ... they were also told to adjust our due date monthly because my wife ( XXXX XXXX ) and i are on XXXX XXXX XXXX  ... .we continuosly asked them to change our due date to the XXXX of each month so we could make our mortgage payment in concurrence with our XXXX XXXX pay we receive on the 2nd wednesday of every month ... .wells fargo not only has ignored the courts request to work with us but our requests as well thus causing us to be late on our mortgage payment an obscene amount of times all the while wells fargo is reaping the rewards of late fees accrued during the past 5-6 years and also causing us to show delinquencies on our credit reports ... these delinquencies shoul not be occuring and wouldnt be if wells fargo would just have followed the orders of our federal foreclosure judge and the wishes of cooperation thru the federal court ... .i would like these delinquencies and the harm they are causing to my credit to be removed 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 monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau XXXX are active, open and paid on time. Experian do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). Experian, XXXX XXXX XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. Experian, XXXX XXXX, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. Experian, XXXX XXXX, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Avant Credit Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for credit card with www.Avant.com website showed annual fee of XXXX dollars. After pulling my credit and giving me a hard inquiry approved me but with a XXXX dollar annual fee. Not that big of deal but when I contacted support through email they directed me to the 1800 support and after contacting them they just kept repeating that my annual fee is XXXX dollars regardless of what their website showed. Contacted email support again to tell them the issue was not resolved and was once again directed to 1800 support to be told again that the website saying it's XXXX dollars is not relevant to my XXXX dollar fee. This seems like false advertising to me as the only time XXXX dollars was shown to me was after I gave approval for the hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-03-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I called navy federal credit union and asked for my tax refund to be released early because it was pending. I was told to call back on XX/XX/XXXX, to release funds and I was told today that majority of ny tax refund was offset due to a unpaid credit card. From my knowledge, tax returns can only be offset due to state and federal debts. A credit card is neither. I have 2 checking accounts with this bank and 5 savings accounts, 4 which are custodial savings accounts for my minor children. I receive mail on a regular basis from navy federal but I never received a letter stating the bank would be collecting my entire tax refund to repay an unpaid debt. I am a single mother to XXXX children, XXXX with suspected XXXX XXXX XXXX  This money would have helped offset some of their medical bills. Had I not called, I would not known why i received a partial refund. I get direct deposits every 2 weeks into this account. The money has never been transferred to this closed accounts. Covid effected my household as well as XXXX of other houses holds. The housing crisis and food inflation cost has taking a toll on me. I attempted to discuss this with 2 different individuals at navy federal. My tax refund was illegally seized by Navy federal without warning. Although i understand that I do owe for this debt, there was no conversation or correspondence between myself and navy federal before my refund was offset. Banks do not have the authorization to offset refunds for debts. I would like to resolve this matter and have my monies returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just recently found out this account was on my credit report, this company is stating they bought the account back in XXXX of 2015. I never received a letter from this company to validate debt. Its against the law for this company to report anything first without verifying accurate information. I will be contacting an attorney to discuss legal matter because I was sent over any information regarding this account. I even ask this company to verify the debt and they fail to do so. This will not be the first or last time hearing from me and I promise you that. I am going to file a complaint and let it be public know because this very unfair and not right. I would like for this company to provide me with validation of debt. This is a junk buying company that say they purchased this account from someone else. I wish the government would shut companies down like this..I do not owe this company any money.

Company response to consumer: Closed with explanation