BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

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 2019-06-24
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I will try not to be too winded. I did some Parent Plus Student Loans for my son that went to XXXX XXXX in XXXX  XXXX. I approved 1 that I know of. Then they would let him change my password and re-submit loan applications every year in my name. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

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 2022-11-16
Company: EQUIFAX, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I attempted to call Eppicard two times today to do a transfer of funds and check my transactions. My transactions do not seem correct so I go through prompts to get an agent. They read a disclaimer about system updates and hang up in your face. The second I tried to speak and he disconnected the call and they charged a fee for the call. This is fraud. They are not even letting people speak or talk whether you are reporting fraud or checking charges. So I now have people or a vendor pulling funds and no one to speak with. Its so disrespectful not to mention negligent to perform this way. My funds are for my child not the call center or its subsidiaries. I have contacted DHS and the AG office in regards to this matter. This is not my first issue but it is set up to fraudulently take peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked When reviewing my credit report and found a Macy 's Account with a late payment in the month of XX/XX/2018, I am unsure of how this happened, I believe I made my payments as soon as I received the bill. My thought is that I never received. a bill.

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 2023-02-18
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
Ive tried reaching out by phone and no one answers.

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 2017-11-09
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband & I are seniors with a landline. We have gotten into the habit of NEVER answering a call unless we recognize the number calling. About six months ago, we started receiving calls from about ten different numbers that always said the name of a city near our vicinity -- XXXX, OH ; XXXX, OH ; XXXX XXXX, OH, etc. on the caller I.D . We never answered these, but noticed that they were always " XXXX '' area code & began with the same three digit exchange -- " XXXX. '' There were too many numbers calling for us to block them with our phone provider, so we just suffered through, being interrupted at all times of the day to rush to the phone, only to see it was one of these XXXX. After so many months of this, I finally called one of the numbers back immediately after they had called us. They did the whole, " this is an attempt to collect a debt '' spiel and then informed me that they were looking for our son. They are Diversified Consultants calling for XXXX XXXX. My son has n't used our landline as his phone number for over TEN YEARS! And should n't XXXX XXXX have his cell phone number as they used to provide his service? And yet they are constantly bothering me & my husband every, single day for six months, sometimes calling five or six times a day starting at XXXXXXXX XXXX. They will never reach my son through this number, and I informed them of that ; they still continue to call. They do n't call as often, and they have begun calling us from different locations -- XXXX, IL or XXXX, OH, but they call us still. We are not responsible for our son 's debts. He is over XXXX, and self sufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2021-11-08
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender for my home mortgage is United Wholesale Mortgage ( UWM ). After I paid 80 % of the loan, I was given an option to close the Escrow account which I did in XX/XX/2021. In XXXX I was sent a check for {$5900.00}. I deposited the check in my Savings account and right when I was about to pay the property taxes using that money, the check returned. I was sent no communication from the lender as to why the check returned. I contacted them a few times but I was provided generic information and told that they will send a new check. Property taxes were due in XXXX and I could not pay it on time as I didnt get the check on time from UWM . 

I had to not only borrow money from someone but also pay a late payment fine on my property taxes. Since then I have contacted UWM more than 5 times and I have been put on hold for hours. Every time they representative tell me that check is on its way but I have still not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.

2. The loan went into collection and I made arrangements to meet the agreement.

3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.

4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.

5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment! 

Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same. 
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.

This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money. 







In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. 

THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint. 


Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX  [ L.S. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX [ 4 ] XXXX  XXXX XXXX [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX   XXXX [ 9 ]  XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EOS CCA has been illegally reporting a collection account on my credit report. This account was paid nearly two years ago, XX/XX/2017. On the call with the company back then I recored the lady a total of three times assuring me if I paid the settlement that she would immediately notify the credit bureaus to have it removed/deleted from my account. Nearly two years later it still shows up as a collection on my credit file affecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Tidewater Financial has charged wrong fees. Continues to report incorrect due on credit. I owe them XXXX but they continue to report it as owing XXXX I pay every month yet they continue to report late. I am sick of it. They added XXXX to loan that was not explained when I got the couch. I am livid all my other accounts besides this one is on time. They lie and do not respond. They harass with emails but then do not respond when I reply. They lock me out of the online account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Nelnet, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX, Account # XXXX .Date Opened : XX/XX/2007 Amount : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continues to report tines fraudulent and incorrect information on my credit report. Proof has been sent as I do not owe the amount. Their conduct has been disrespectful, yelling and lying. There are times the collection agency did not respond and it should have went in my fair for the account to be removed.

I was told since the colectio agency identified my name and address nothing else mattered. There are no dates as to the rent the colection agency states I owe. Equifax has acted wrecklessly and violated my rights under the The Fair Credit Reporting Act. ( FCRA ) Proper investigation has not taken place at all. This has been going on for about 6-7 months or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

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 2019-06-24
Company: Receivables Management Partners, LLC
State: IN
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 talked and talked to both the department of education and its servicer XXXX XXXX about identity theft and even researched it under the defense to not pay on their web site for the department of education and they just keep turning over this in accurate info to credit reporting bureaus like transunion no matter how many times it is disputed and my medical bill dispute I was assured it would be taken care of since I did not ask for a hospital to treat me for services I did not need like signing me up for XXXX I did not ask for and and still get a bill so much for integrity from hospitals both problems disputed and put on my credit report in accurately and used against me, over three times maybe the federal trade commission will stop the abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Consumer Financial Services
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:
I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. 

I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX or XXXX that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.

Company response to consumer: Closed with explanation