BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FREEDOM MORTGAGE HAS BEEN PRACTICING KITING TECHNIQUES SINCE XX/XX/XXXXWITH MY ACCOUNT. THEY HAVE MANAGED TO PUT MY MONEY IN DIFFERENT ACCOUNTS SUCH AS UNAPPLIED FUNDS AND STATE I AM MISSING PAYMENTS. FREEDOM MORTGAGE HAS ACH OUT OF MY ACCOUNT XXXX  IN XX/XX/XXXX. AND TAKEN 2 PAYMENTS OUT OF MY ACCOUNT IN 1 MONTH. THEN STATE THEY DID NO SUCH THING. AND NOW I AM IN FORCLOSURE DUE TO THEIR ACCOUNTING RECKLESSNESS.

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 2018-04-04
Company: M&T BANK CORPORATION
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:
i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed. 

after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i  received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING. 

The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this. 

the only response i get from M & T Bank is " we looked into the matter and believe the reporting is correct ''

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 2019-05-29
Company: AES/PHEAA
State: FL
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:
My husband and I have applied for PSLF/TEPSLF and throughout the entire process we have been misled, not given complete information, told to lie or withhold information and fear that the TEPSLF will be no longer because of the loan services not doing its part. We second guess everything we do despite it coming from their call center. We have done ABSOLUTELY everything we have been told to do and still 6 months later we have no resolution. We at one point had our case closed because we didnt complete what was asked in the 21 day window when in fact I uploaded 703 pages of documentation 10 after it was requested. No one dropped it in the file. We would not have known that had we not called 8 weeks later after receiving nothing. Now we are 8 weeks from that inquiry and have made multiple inquiries since and still NOTHING. We have been told to submit unemployment deferment application even though you wont qualify so you can buy 60 days with no payments. That is fraud! We are tired and frustrated and just want FEDLoan Servicing to do the right thing. We have also contacted the ombudsman and been assigned a case manager he has become increasingly unavailable as of late. Additionally we have filed complaints with the AG of the state Florida, Senator, Congressman and US Dept. of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried unsuccessfully to get my annual free credit check from Equifax for many years. I've never been able to get it from them. ( The other two companies never have a problem. ) Equifax makes you go through the entire process online, pretending that it will be sufficient, and then claims they can't provide the report after all. This is a basic issue that has been going on for years.

But this year, in the process of answering the security questions, both on the government access webpage and Equifax 's own website, every question they asked was about various car loans/leases and mortgages taken out in the past 3-4 years. We haven't done any of that. So every answer to their security questions was " none of the above '', which is very suspect. And as a result, Equifax will not allow any inquiry or dispute, because the security answers don't match and so we keep getting error messages no matter what we do. Long story short : I've tried to report what appears to be fraud/stolen identity to Equifax, both by phone and website, and they refuse to take the information or look into it, or provide me with proof of what they have under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint against Credit Bureau TransUnion for violations of the Fair Credit Reporting Act regarding the reporting of a public record ( XXXX XXXX XXXX XXXX   XXXX ACCT # XXXX. Filing Date XX/XX/XXXX ). 

In XX/XX/XXXX, I requested verification of the above file by TransUmion. They claimed verified. 

Pursuant to Section 611 ( a ) ( B ) ( iii ), I also requested a description of the method and procedure used to verify the accuracy as well as the name of the furnisher of the inaccurate information. 

TransUnion claimed that XXXX was the furnisher of the information. THIS IS FALSE! 

Atch 1 is proof that XXXX XXXX is NOT REPORTING any  public records including bankruptcy. 

Furthermore, TransUnion is in violation of Section 611 ( a ) ( 2 ) ( A ) & ( B ) by not notifying the furnisher of the information of the disputed accuracy. Atch 1 is also proof that TransUnion is FALSELY CLAIMING that they verified the above public record through XXXX as there are NO public records reporting on XXXX. 

TransUnion is also violating Section 611 ( 5 ) ( A ) by not deleting the unverified file from my credit report. 

I am requesting that you investigate my complaint and hold TransUnion accountable. Thank you. 

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 2019-08-12
Company: Checkr, Inc
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr reported to XXXX XXXX on XX/XX/2019 and XXXX XXXX on XX/XX/2019 inaccurate information about my driving record. I provided Checkr with the correct information and they still refuse to update my records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted my Driver license, proof of address and social security both fax and through the mail services that was last year in XXXX and my birthday has yet to be get update though equifax. My birthday is XX/XX/XXXX. Equifax has it shown as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a sofa at a XXXX XXXX retail location. When I purchased the couch I was told that I could open up a store credit card account ( Comenity ) and receive 0 % interest fees for one year. I signed up for the credit card and made my purchase. After making my first few monthly payments I realized that I was being charged interest. I called XXXX XXXX, they said that it was a problem for the credit card servicer Comenity. I have now spent several weeks with Comenity but they refuse to refund the interest charges or put me on the 0 % interest plan that was advertised, they are saying that it was XXXX XXXX 's fault when the account was created. But when I call XXXX XXXX they say it's a Comenity Bank issue. Due to this neither one of them will take responsibility for the problem and fix it. I wanted to be refunded for the interest charges and put on the program I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX CA XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2018-04-04
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX they gave me dates that I stayed in XXXXXXXX XXXX  XXXX XXXX, but I had insurance. XXXX XXXX XXXX XXXX. I called my insurance and they confirmed it as well. I gave them the dates, and then called XXXX once again ... They confirmed that they sent over proof of insurance to XXXX XXXX and they have not taken off the collection accounts from my credit report. I contacted XXXX XXXX and they're saying it is still active, at this point I do not know what to do. I DO NOT OWE ANY MONEY TO THIS COLLECTION AGENCY.

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 2018-04-04
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has made several calls to my place of employment even after I left her a voicemail asking her not to do so and to call my personal cell phone. I called to make a payment and she never returned my call. She is a rude person and a bane to humanity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: AMA Advisors, LLC.
State: IL
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:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: Old information reappears or never goes away

Complaint:
I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Equifax back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies.

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XXXX XXXX ) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXX ) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt.

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud

Company response to consumer: Untimely response
Consumer complaint received 2019-08-12
Company: DISCOVER BANK
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 information incorrect

Complaint:
I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: TN
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:
To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Experian 1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR XXXX  1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated 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