BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: TN
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 submitted over 6 disputes to Equifax. They robotically decline all of the disputes and simply state they don't have to look into it again because they already did once. ( years ago ) HOWEVER, I now have the police report, FTC documentation, and proper paperwork to get these items removed from my credit report because they are fraud. Equifax doesn't care. 

Moreover -- Equifax has it built into their online dispute system to give an error anytime someone tries to submit a dispute on their account that results in removing a negative account. I can prove this. I attempted to submit 4 disputes today. 2 simply asking for information updates, and 2 stating there was fraud and/or inaccurate data. The inaccurate data disputes went through no problem. The disputes with fraud and inaccurate information resulted in Equifax stating there is an " error '' and they could not process my request.. to try again later. I tried this repeatedly -- with the same result. 

I'm no lawyer -- but that seems like shady stuff there. and Ive sent in letter after letter through snail mail -- and followed up with calls just for Equifax to tell me nothing was ever received. Of course there is no way to send anything through email -- even if encrypted. That would result in accountability and tracking! 

EQUIFAX should know why this fraud happened. It was their fault- I am part of the class action lawsuit against them because of the breach. Im going to be including this time in the hours I am billing against them for having to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Conn's, 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: Their investigation did not fix an error on your report

Complaint:
This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am sending this letter to Comenity Bank because I am formally asking them to remove the cease and desist, they applied to all my valid accounts. 

the cease and desist was only supposed to be applied the account that was listed on the letter which was the XXXX account. 

This letter is asking that they remove all holds from all my valid accounts and only apply the cease and desist to XXXX account and remove from all other accounts, because they are valid, and payments are made on them monthly and are all in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Credit Reporting Agency has reported an unauthorized credit inquiry onto my Credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2016-07-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello This is my 3rd complaint. My account has been frozen since XX/XX/XXXX. The conclusion was they were going to close my account and send the remaining funds back to sender. One of their reps informed me it would take 7 to 10 business days to return. I called customer service asked for a supervisor and they denied it. All calls are being recorded. I told them to pull the recordings and they could verify what I was told. I have yet to receive a call from anyone. I left tons of messages and nothing. The funds is occurring interest thru the company that sent it. The longer capital one keeps the funds the more I will owe the company. Why treat people so heartless? I have had a couple of family members that passed in a matter of 2 weeks due to this virus, my business is not doing well, I was laid off and dealing with this. Its not fair. I've been experiencing financial hardships. I can not bare to experience even more. All I'm asking is they please send the funds back. If I need take legal actions they need to tell me something but all they keep saying is no time frame. That's hurtful to experience, Especially during a time like this. Can someone please respond. I understand they have policies they follow but to not give someone a time frame or communicate with me at all is unacceptable. Hopefully this last complaint will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Please delete the following incorrect personal information that is inaccurate. 

Incorrect/Misspelled Name : XXXX XXXX XXXX Incorrect/Wrong Addresses : XXXX XXXX GA XXXX XXXX XXXX GA XXXX Incorrect Social Security Numbers : 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 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
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: Personal information incorrect

Complaint:
Have wrong address info. I don't live at the address that's on my report, haven't sence 2020. Would like it changed.

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 2022-03-19
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/2022, I disputed a collection account with Experian that is reporting inaccurately on my credit file. On XX/XX/2022, Experian reported that this account has been updated and " verified ''. On XX/XX/2022, I sent Experian a letter to request the description of procedure used to determine the accuracy and completeness of ACCOUNT NAME - XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 

On XX/XX/2022, Experian opened a re-investigation of the above-mentioned account. I stated in my request " This is NOT a request for a re-investigation, I am invoking my right to request a description of the procedures used to determine the accuracy and completeness '' On XX/XX/2022, Experian completed the re-investigation stating that the account was updated and " verified '' ( AGAIN ). Experian has ignored my request for a description of the procedures used to determine the accuracy and completeness, which is my right under XXXX XXXX Code XXXX ( XXXX ) and as a consumer, I am being violated by both the XXXX XXXX XXXX and Experian Information Solutions , Inc.

I am aware that Experian is required by congress to provide an independent investigation that is full and complete. Experian has failed to do so. According to Experian, their investigation process consists of Experian forwarding consumer dispute requests to the creditor to confirm the accuracy of the disputed information and reaching back out to the consumer to notify the consumer of their results after receiving a response from the creditor. At no point was an independent investigation performed directly by Experian. The collection agency has also NOT been in contact with Experian. Experian continues to report inaccurate and/or unverified information willingly and negligently on my credit file.

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 2022-03-19
Company: Bread Financial Holdings, Inc.
State: TN
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:
Upon examination of my credit reports, I did observe an account ( XXXX XXXX XXXX XXXXXXXX ) listed thereon which I did not open nor was aware of. I have contacted the company on multiple occasions to have this matter resolved but they seem content as treating as my account; totally disregarding the issue at hand. I made it clear that I have been a victim of Identity Theft and also I was among the many who were involved in the XXXX credit breach a few years back. Notwithstanding the fact that I have ran in hard times in the past, I will never disown my debt but rather come to some sort of arrangements to resolve the issue. Here, I am faced with having to challenge a debt of which I am not aware and the creditor is refusing to rectify this matter. In light of this, I hereby request assistance from the CFPB to address this issue. I have disputed the matter and requested evidence but to date they have failed to supply any evidence linking me to this account other than it being listed on all of my consumer reports. Additionally, the company has blacklisted me for being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated in   XXXX   from   XXXX   XXXX   XXXX  . I had to apply for  XXXX   XXXX  "   XXXX   XXXX   loan '' for half of my loans I took out during school because they were the only ines I qualified for. I paid the interest off in monthly payments while I was attending. The payments were on an automatic deduction and took out every month. However, when I graduated they stopped my automatic deduction payments and then tried to charge me a late fee because I did n't pay on time. I asked why they stopped my payments and they said they expired for some reason and I needed to start them again. I was fighting on the phone with customer service so many times and called so many times because they kept messing up my loan payments that I was automatically transferred to management everytime I called which did n't really help much either. Over time when I started working as a  XXXX  I was able to make higher loan payments. However, everytime I paid over the minimum payment, they never applied it to the loan. They only took out the minimum payment so they could charge the interest fee on it. I called and asked what was happening to my payment, the money that I paid extra on? They replied that if you pay over the minimum payment the extra money goes towards next months minimum payment. They call it " pay it forward '' so I asked, I 'm never going to be able to pay extra on my loan to pay it down quicker? They said I did n't specify that I wanted to do that so all the extra money I 'm paying a month is going towards future minimum payments.   I was tired of dealing with     XXXX   XXXX    , which is now navient, and went to my credit union and explained my situation. I asked to take out a private loan to pay off my high interest rate student loans. I qualified and they asked for an address to mail the check to navient. I called customer service and they would n't give me an address. My bank called and searched navient website and they too would not give an address. My bank ended up transferring the menu into my account and said they would be able to see when I made the payment to navient on the website.   Very frustrating with the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: NH
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:
Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-19
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:
In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXX XXXX  XXXX. Acct # XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Valley National Bank to inquire about the waiving of my escrow account. I spoke with XXXX XXXX who said that she " thinks '' escrow is required for ALL condos. I could not find any documentation to support this and then contacted the title reviewer for my loan XXXX XXXX. XXXX told me via email that XXXX and XXXX XXXX federal guidelines require escrow accounts for all condos. I contacted XXXX and was told that information incorrect. I was also directed to a page on XXXX website that contradicted the information XXXX provided. I then informed XXXX of this and she stated again that Valley National Bank MUST escrow on all condos. I reviewed the Mortgage documents that I signed and they contain information about waiving escrow. I have spoken to three people at Valley National Bank who confirm that escrow can be waived. However, XXXX and XXXX, who are responsible for servicing my loan, refuse to give me any information on how to do so or facilitate my request. I have called and sent emails several times and I am provided with false or misleading information. I have also requested a written copy of Valley National Bank 's official escrow policy and they refuse to provide it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation