BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX XXXX prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to  XXXX Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: In progress
Consumer complaint received 2020-10-24
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 status incorrect

Complaint:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to XXXX  Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: MI
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:
it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify 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 2018-12-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  is contacting all my family members and leaving messages about my debt. Called them to explain they are not to call my family as they have my phone number and address. They never left me a message but left messages on all my family 's voicemail letting them know I owed a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I both froze our credit with all three credit bureaus after the XXXX   information hack in 2017. Recently, we decided to purchase a house and needed to unfreeze our individual credit reports. Because we are residents of the District of Columbia, Experian would not allow us to unfreeze my credit report over the internet and required each of us to send our personal information to their PO Box address, including social security number, a copy of a government ID, the PIN number we created with Experian when we froze our credit and a copy of our recent banking statements. I sent all that information on XX/XX/XXXX through registered mail and received notice from the US Postal Service that it was received on XX/XX/XXXX. As of XX/XX/XXXX, our credit report with Experian has not been unfrozen and I have been given no notification about why not. Experian provides no customer service phone numbers to contact about this matter and all attempts to contact them are routed into the automated service menus. All attempts to reach someone to speak with at Experian have been rebuffed. Experian is providing literally no way for us to resolve this matter.

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: EQUIFAX, INC.
State: DE
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 disputing that I have XXXX accounts on my credit report being reported as : US DEPARTMENT OF EDUCATIONXXXX. They both have a XXXX balance and is closed. They have been on my credit report for more than 10 years. I have disputed this with Equifax credit bureau on several occasions but all they keep doing is verify that the accounts belong to me and that the information on these accounts are accurate. I know these accounts belong to me and that the information is being reported accurately. What I want is for these accounts to be removed from my credit report because its been over ten years that they've been on my credit file. Please help me and do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Several reports from the police department and notarized letters from the XX/XX/XXXX Court House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXX has successfully removed the negative items listed. 
I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.

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 2018-01-13
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first found the collection company reporting on my Equifax credit report. I disputed it with Equifax on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my Equifax Report. I am requesting that XXXX be removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I called Experian and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from Experian on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/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 2023-12-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had a loan I used for school in XXXX  for {$50000.00}. It was a sallie mae loan, which is now navient. My loan is now currently {$170.00}, which I can not afford. I am a XXXX XXXX XXXX. I have a decent job but after rent, transportation, food, and inflation, I can not afford a XXXX per month. I was able to get on the rate reduction plan for 6 months, but the lowest they can get is {$1000.00} which Is still super high for me. I really can afford like {$900.00} per month. I was paying {$990.00} per month which was durable but it seems every time I do the rate reduction, it goes up. I really need to lower my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi TJX MGR ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2018-02-27
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient pulled 2 payments, giving NO RECEIPT of Payment and STILL will not return my one payment and it's my rent. 

Normally, when a payment is made with ANY company you receive an AUTOMATIC receipt into your email box however NAVIENT is crooked and they offer nothing. Had I received a receipt for my alleged two payments I could have halted it right there and would have known they did this. 

I called the bank and they have to wait until Navient actually gets the money and I called Navient and the kid said he can't do anything until they get the money. So I can't pay my rent now because NAVIENT pulled 2 payments when I only PAID OFF one loan. 

This is such a disservice and crooked tactic. NAVIENT should be required to forward payment receipts IMMEDIATELY so that the CONSUMER knows whats going on. I have every intention of taking this to the highest level because they are crooked!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Check # XXXX for {$180.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {$29.00}. 
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {$29.00}. Fee for  XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft. 
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times. 

I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.

These two banks are in violation of the banking rules.

I requested USAA return this check AGAIN and they have declined.

I want the {$180.00} refunded back to my account, as well as any other fees assessed due to this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX will not delete this fraud account. The sent the company my information and then kept this fraud account on my credit report. I have disputed this 90 days ago. XXXX has broken the law 15 USC {$1600.00} b by providing my information to company that has reported fraud on my account. Then On the page of the attached letter they said " We sent the company your information ''. I sent the fraud dispute request to validation the debt ( fraud ) not for them to send my information to them. Now they sent the attached letter with and affidavit to validate a fraud account. I have Attached XXXX bill proving I have a current account the account from the fraud company doe not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: KY
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 XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXX XXXX and XXXXXXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a voluntary escrow/impound account for the property taxes and hazard insurance. In XX/XX/2019, I split my payment, making my principal and interest payment by the XX/XX/XXXX of each month which meets the terms of my Note and I made my escrow payment before the end of the month and I wrote and explained to the mortgage company what I was doing and why. They have assessed me late charges that are unwarranted.

I cancelled my voluntary escrow account in XX/XX/XXXX, and sent them the payment for the negative balance ; which they have cashed. They have failed to correctly update their records to show the payment due of the principal and interest only on the monthly mortgage statements.

Again, I have called, sent secure emails on their website and have written letters to no avail. Their response time for each piece of communication is unacceptable ; taking weeks or months to respond.

Now they are in my opinion harassing me, by sending notices stating that I am delinquent when in fact I am not. Again, the escrow account was voluntary and the payments were made before the end of the month, no late charges should have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX/XXXX Transunion 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX XXXX  1.XXXX XXXX XXXX XXXX  2.XXXX/XXXX  3.XXXX  XXXX XXXX ... 
Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...

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 2021-07-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax sent me a stall out letter saying that they couldn't find my credit file when I sent in my two supported documents with my dispute letter. But I disputed an account that they furnished into my consumer report without my consent. They are in violation of USC1681b and those accounts need to be removed. In my letter I asked forA CONTRACT WITH ME AND EQUIFAX SHOWING THAT I GRANTED THEM PERMISSION TO FURNISH THE LISTED REPORTS BELOW ONTO MY CONSUMER REPORT ( PLEASE HAVE SENIOR EXECUTIVE WRITE IN AFFIDAVIT SHOWING PROOF THAT I GRANTED THEM PERMISSION TO FURNISH THESE ACCOUNTS. Failure to provide me documentation of my signature giving them permission, I need the accounts i listed removed immediately.

Company response to consumer: Closed with explanation