BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: LAKEVIEW LOAN SERVICING, 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: Investigation took more than 30 days

Complaint:
Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that XXXX marked my account as 30 days late. I called and spoke with a representative that informed me that XXXX had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called XXXX customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with XXXX terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several XXXX customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to XXXX reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.

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 2017-12-29
Company: DLC, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXXt XXXX XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates

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 2019-05-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I told them that I ran into health issues and can not pay at the moment at all. Each representative still tried to force me into payments that I let them know I can not pay at all due to being XXXX and sick constantly. 
Was talked to rudely and asked about type of health problems that has nothing to do with payment and was told it was people with bigger issues that can pay still. I asked them not to contact me anymore because it was harassment being theyre calling 3 times daily and I specifically said I cant pay at the moment. I was contacted on Saturday while in church and asked representatives not to call and said it was very inconvenient. They called back twice from unknown numbers while I was still in service and left messages within an hour of me saying Im in church and not to call. Also Sundays, on XXXX XXXX I was sick in bed and couldnt be with my family but my phone kept ringing from unknown and blocked numbers and it was always XXXX XXXX. Constant harassing phone calls after I asked not to be contacted and arguing representatives when I am sick and unable to defend myself. Im sick daily and any communication Ive had with the representatives, my day ends up worse. Most days I cant get out of bed but if I speak with them, Im worse and cant keep anything down due to XXXX   XXXX and XXXX. Stress aggravates these XXXX. Im unable to eat any kind of food and have been on Boost ONLY for 3 years now and I try hard to eliminate stress so I can keep down the Boost and avoid another feeding tube. Ive had my doctors track my weight and I was doing well until they started harassing me and now Im looking at another possible feeding tube.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of XXXX and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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: Account status incorrect

Complaint:
Equifax continues to list 3 old closed accounts as open on my credit report that had a late payment. This situation has been resolved long ago with the companies and as instructed, I contacted the companies from the old accounts and had them tell equifax that the accounts are old and to remove the accounts and the delinquent information off of my credit report. This was 3 months ago. I am at a loss as what to do now. It is incredibly difficult to deal with Equifax. 
Please help. These mistakes are driving my Equifax credit score down by 100 points. Neither XXXX XXXX or XXXX list these old accounts on my report anymore. Equifax is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this XXXX XXXX  I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to XXXX it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I disputed the following bankruptcy listed on my TransUnion consumer report : XXXX XXXX XXXX XXXX XXXX  Georgia. The dispute came back verified as accurate on XX/XX/XXXX. 

I called TransUnion to discuss the details of the investigation and to confirm the furnisher of the information on XX/XX/XXXX. A representative by the name of " XXXX '' in the " Specialized Fraud Department '' told me it was furnished by the XXXX XXXXXXXX XXXX XXXX XXXX  Georgia. However, the bankruptcy court already stated they do not furnish any information to credit reporting agencies and are not responsible for the misuse of that information. He stated he did not have much information and asked if I would like to open a new dispute only. 

As requested, no proof of investigation was provided. Proof of my expressed written consent to furnish the bankruptcy as per 15 USC 1681b Permissible purpose of consumer reports, was not provided either. TransUnion did not have my expressed written consent to furnish this bankruptcy on my consumer report. It is a violation of federal law under Title 15 of the US Code. 

I also recently disputed the above referenced Chapter XXXX Bankruptcy with XXXX XXXX because it was being furnished and shared with TRANSUNION, and other third-parties without my written consent or authorization. Furnishing bankruptcies without the expressed written consent of the consumer is an Invasion of Privacy and a violation of the Privacy Act of 1974. 

As a result, XXXX XXXX has removed this bankruptcy case from their records in compliance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) I have attached a copy of the investigation results showing the removal of the bankruptcy case. 

Because TransUnion did not perform a reasonable investigation, or provide me with accurate information on who is furnishing this bankruptcy, they are in violation of FCRA 1681 for willful non-compliance and negligent non-compliance punishable by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
Dates : Amounts : Action : Sent certified mail and notarize disputes and FTC Fraud affidavit and still reporting inaccuracy and did not prove how they verified.

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 2017-07-11
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
<P/>
In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
<P/>
I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
<P/>
Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Southwest Credit Systems, L.P.
State: TX
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:
Sent a letter asking for back up on the debt reflecting on my credit report and have not heard back.       If the company can not send proper back up, please remove from my credit report and stop all collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to Experian on XX/XX/2022 ( formal letter ) to alert them that the information in my credit profile was incorrect, and asked them to re-investigate why affirm was reporting these false accounts on my credit profile. I asked for proof of these alleged items, specifically the contract, note or other instrument bearing my signature, so I could prove it was inaccurate and not belonging to me. I requested that if they couldn't show these materials that it was unfair to let them remain on my profile and to delete these items from my report as soon as possible : XXXX XXXX XXXX XXXX They did not respond in 30 days, so I sent a second letter on XX/XX/2022  alerting them that since they did not provide any proof that I asked for in order to reinvestigate the items, that by law they needed to take them down completely, removing them from my Experian profile.

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 2017-07-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On  XX/XX/XXXX   I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX   . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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: Investigation took more than 30 days

Complaint:
On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

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 2017-07-11
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: Information belongs to someone else

Complaint:
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if 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 2022-02-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I filed a complaint with your agency on XXXX XXXX XXXX ( XXXX ) regarding the recurring issue of reporting of my Auto loan as delinquent although I have sent payments to the po box address I have been sending payments since XX/XX/XXXX. Late last night, I received notification from Experian of the results of my dispute filed ( Report # XXXX ) and learned that XXXX reported my account 60 days delinquent XXXX XXXX. I did receive your agency email stating that XXXX had responded that it was working on my issue and indeed they are as they have reported and additional delinquency even though I sent them a copy of two money orders totaling {$900.00} to their national call center email on XXXX XXXX indicating the payment was mailed XX/XX/XXXX. Since early XXXX, XXXX has blocked online access to pay on this auto loan forcing me to mail in payments or use their call in system which charges nearly {$13.00} as a fee just to simply swipe a debit card. I have experienced a long history of lack of due diligence with this institution as on or about XXXX XXXX, over $ XXXX was added to my loan to cover premiums on GAP insurance supplied by XXXX XXXX  XXXX I changed my full coverage auto insurance from XXXX XXXX  to XXXX and this was added to my loan even though there was no lapse. XXXX stated a letter was sent to an old address in XXXX  -even though I moved out of that address in autumn XXXX and listed my XXXX  address with all my creditors. Clearly XXXX 's lack of due diligence has escalated to a point of maliciousness and this recent action was executed in retaliation. I'm retired after 29 years of Active military service XXXX XXXXXXXX ; however, NO ONE deserves to be treated in the matter that I have been by this financial institution

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