BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: STERLING JEWELERS, INC.
State: MI
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:
Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Continental Finance Company, LLC
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: Information belongs to someone else

Complaint:
Account is showing charged off never had an account with XXXX XXXX called and states no application or account for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: MA
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 was approved for a total XXXX discharge on all of my student loans with the department of educationXXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX  to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: NJ
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 recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: MS
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 so confused right now why Equifax report the accounts as transferred accounts but its current, all payment history were all OK. They wont even give me an explanation as to why they say its verified when its incorrect..CFPB, clear this all up and report them correctly. XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: OR
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 am writing in regards to my XXXX account. In XXXX of 2015, my account was severely delinquent along with many of my other credit card accounts. We called XXXX XXXX XXXX, a consumer credit service, and signed up to be on a debt repayment program. Each creditor was contacted and agreed to the terms of this program to receive a set monthly payment. Since that time, I have made each and every monthly payment on time to meet the agreed upon due date. I have not missed one payment or made one payment late. I have worked very hard to repay my debt and repair my credit. I have copies of each and every payment and the disbursement to the creditor for all payments I have made. Therefore, I am disputing that XXXX has continued to show a late payment for me each month that I have been on the payment program even though they have received a timely payment each month. This account has been paid as agreed each month and has not been reported accurately on my credit report. XXXX is the only creditor that has continued to report inaccurately every month and I request that this be rectified immediately by removing the late payments from my credit reports. I am attempting to refinance my home and this inaccuracy is preventing me from doing that. Once my house is refinanced, this entire account will be paid in full.

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 2022-03-04
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:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy o
f my credit report reflecting these changes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
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:
Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2022-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX was compromised and someone accessed my account to send themselves {$500.00}. They used my name and phone number to pay themselves to a XXXX XXXX account on XX/XX/2022. I have contacted Chase and filed a claim, but they are not promising a resolution. They say I initiated the transfer but I did not. I even called their Executive Team and spoke with a XXXX and all I get is a sorry but we can not help you. Sorry does not cut it. Sorry does not pay the bills, or buy groceries or fuel. Sorry does not put the fraudster behind bars. My account was hacked. XXXX says they can not help. I filed a police report. I just want my money returned to me. I will never again bank with Chase or use a merchant account, like XXXX. They are obviously siding with the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.

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 2019-04-20
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally received from XXXX XXXX XXXX and I sent a letter dated XX/XX/XXXX to which I heard nothing Then I received a letter from XXXX XXXX to which again sent a letter to them XX/XX/XXXX. Again I received a letter from they to which again I sent them a letter no response. Then I received a letter from XXXX XXXX XXXX which again I responded again asking them to verify my debt per FCRA To which they responded with letters of debt but no varication of debt then they put on my credit report. I don't have copies of orginal letters. 








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Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions 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:
These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX XXXX XXXX {$1500.00}, XXXX, and 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 2019-04-20
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:
These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX XXXX XXXX {$1500.00}, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name XXXX XXXX XXXX  I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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 have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-03-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 is missing that should be on the report

Complaint:
As of XX/XX/2020 my loan was up to date XXXX XXXX transferred my loan to Bayview Loan Servicing in XX/XX/2020 then in XX/XX/2020 Bayview Loan Servicing changed their name to Community Loan Servcing LLC. I was experiencing financial difficulty because of COVID and in XX/XX/2020 I requested and was granted forbearance for the next 18 months. I was hoping that Community Loan Servicing LLC as with other disasters and emergencies, they would be willing or in some cases required to provide forbearance and waiving late fees due to this pandemic. Under the CARES Act, if I was current as of the beginning of my forbearance in XXXX which I was they were not suppose to report late payments. I was granted forbearance in XX/XX/2020 which started with my XX/XX/2020 payment. Community Loan Servicing has reported 22 late payments on all three Credit Reporting agencies. I have tried reaching out to them to get this corrected but they refuse to make it right on my reports. I have had financial hardships ever since. And because of 22 late payments being reported on my reports have been turned down repeatedly for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX a payment for my Citibank Preferred Card was due, I, unfortunately, lost track of the date because of vacation and failed to make the payment. I have 25 on-time payments. On XX/XX/XXXX I called three times and the representative nor the account supervisor could do anything for me. I was suggested by one of the representatives to pay the minimum payment on the spot in which I did yet they did not remove the late-fee Due to the fact that I 've built a great relationship with the creditors, I would suppose that a simple mistake would easily be taken off.

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 2020-06-07
Company: Experian Information Solutions Inc.
State: VA
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 mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.

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