BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: VA
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:
DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / NELNET XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / NELNET XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} A

ll these accounts have been paid in full but still reflect on credit. Remarks ACCT CLOSED DUE TO TRANSFER

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 2021-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to XXXX, EQUIFAX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and XXXX, EQUIFAX, and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: 1ST FINANCIAL, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am the listing agent for a property this Lender 1st Financial Inc in  XXXX XXXX, FL with Branch Manager XXXX XXXX is working with. Property XXXX XXXX XXXX XXXX. The lender representative has just threatened me and insulted me over the phone. The threats were of violence towards myself and my family. I want to document this here and with any other department available. Please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently my husband and I became a one income household. I was told by freedom mortgage that from the XXXX to the XXXX no late payment and that XXXX to XXXX there would be a late charge but not reported to credit file as late unless it goes longer then that. Last few months I have made my payment online last day of the month. This time XXXX XXXX and XXXX, i logged into account more then a handful of times as well as called the company. No matter what I tried i was not able to only pay XXXX payment it wanted me to pay XXXX and XXXX. well thats why we pay at the end of the month cause we cant afford to pay it sooner or as much as they were asking. I tried very hard to get this payment in. I was also hung up on by several reps and several reps told me I had to make both payments in order for them to except a payment. This has never happened before and when I told the rep she was clueless but did say thier website acts up time to time. So needless to say the hit my credit report as a 30 day late and told me there is nothing they can do even though clearly thier website was the problem and they could see on thier end how many attempts there was to make the payment they see where the mistake happened but they refuse to remove the late off my credit file. This has hurt us bad. We are in the middle of trying to sell our house to buy something cheaper while we get on our feet and now we are stuck. Thier customer service reps are very rude and very clueless. They refuse to transfer to proper manager to get the proper answers. They just keep telling me these things happen just try and get your payment in sooner. They also stated to me that it would be fixed as an error on thier behalf and of course still refuse to even though they can clearly see on thier end how many times i attempted the payment online and over the phone through the automated system. No sorry yes we know its our fault nothing. I am not the first person they have done this to and Im sure not the last. This company is nothing but crooks who are out to ruin hard working peoples lives.

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 2015-05-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I, XXXX XXXX, a federally protected consumer is writing this statement. On XX/XX/22 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to these unauthorized inquiries. I feel like my disputes have been completely disregarded and ignored. I have even called and have proof with certified USPS receipts and transunion has stated that they do have documents and will not remove the inquiries. I demand these inaccurate inquiries be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. I know this is a violations of my rights. My information was impacted by the XXXX databreach as well and may have been exposed to 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 explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: National Check Resolution Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My payday loan with XXXX went in to default last year when I hit some hard financial times. Apparently the debt has been sold numerous times to various collection agencies. I received a call XXXX days ago from a company called National Check Recovery, a gentleman named " XXXX XXXX '' stated I would be receiving papers for fraud as the loan was n't paid off. I called the number and reached National Check Recovery/XXXX, who stated I would be served with papers for fraud. I spoke with customer service at XXXX and they stated they do not work with this company in any way. 

The original loan with XXXX was for {$500.00}. I requested a validation of the debt, which shows the debt as over {$900.00} more than the pay day loan, but if they had to sue me it would be nearly {$3000.00}. I received the validation from them but there was not an itemized list of the charges. I spoke with XXXX XXXX today and he became verbally abusive with me, threatening to sue for fraud as I did n't pay the loan off. 

I told this gentleman I had not received any notice of this debt from their company and their threatening phone call was the first I had heard from them. XXXX XXXX told me they had sent " numerous '' notices by mail, but would not provide me with proof of this as I told him I had received nothing. I was unable to even speak an entire sentence during the conversation as he continued to interrupt, yell, and speak over me to the point where I had to firmly inform him that I would cease communication with him if he did not stop interrupting and raising his voice. 

I am meeting with an attorney tomorrow and told XXXX XXXX I would be showing the paperwork to the attorney. XXXX XXXX demanded to know the attorney name and address and phone number, which I did not share with him because I have not retained the attorney formally. He became quite verbally upset with me when he found out I was speaking with an attorney and asked what I was trying to " accomplish ''. 

I asked to speak with the XXXX XXXX, who left the original message a number of times over the last XXXX days, yesterday I was told he was " out to lunch and would call me back in about XXXX minutes '' and I never received the call. I called XXXX more times yesterday and asked for him and never received a call back. I asked again today to speak with XXXX XXXX and was told he does n't work there and is a process server. 

To date, I have not been served any paperwork ( which I 've learned in reading numerous times online that this is common with XXXX and XXXX XXXX, and people do n't receive any paperwork. ) I am attempting to validate this debt, yet National Check Recovery only makes threatening comments regarding fraud, and it is against the law to threaten jail time or be abusive over the phone when talking with a consumer. What do I do?

Company response to consumer: Closed
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2018-05-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was on an Income Based Repayment plan in XX/XX/XXXX with AES. In XX/XX/XXXX I had to submit new paperwork for a XXXX Income based repayment plan which was submitted on XX/XX/XXXX. On XX/XX/XXXX I lost my job. I called AES and the person I spoke to said I could file an  emergency application due to unemployment. That request was approved and my monthly payment was set at {$0.00}. I logged on to my AES account today and it showed that I am 25 days past due on {$150.00} + {$9.00} on a late fee. I called to ask how I could possibly be late on a payment since I was unemployed since XX/XX/XXXX, and was approved for an emergency recalculation of income based repayment that was set at {$0.00}. They said that because the original application that was submitted on XX/XX/XXXX was approved before the emergency application, I owe for XX/XX/XXXX 's  payment. That is ridiculous. 

2 separate AES representatives refused to correct their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Brown’s New Credit Bureau Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 my son was ill and treated in the ED. I had started a new job and was in a 30 day window of no insurance. The ED bill was {$4200.00} and was swiftly transferred to collections in a very short time. The collection agency has contacted me a few times. Today they contacted me and refused any payment plan short of {$100.00} a month which I stated I can not afford. I explained the financial hardship Ive experienced with the loss of a job back in XXXX and am just getting stable again. The representative told me if you dont pay, then our attorney Mr. XXXX will contact your employer directly to collect the money. I stated do not make empty threats to me. You can not contact my employer to take money without a court order. The representative replied Im just telling you what our attorney will do. And then promptly hung up on me. The agency refuses to work with me on a payment plan and is now threatening to take illegal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Jonathan Neil & Associates, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Johnathon Neil Associates conducted an unauthorized hard inquiry on my XXXX Credit Report. The pull was does XX/XX/2021. 

I have no business with this company and have no knowledge of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

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 2016-11-30
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: OK
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called XXXX XXXX directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. XXXX XXXX said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by XXXX XXXX, but XXXX XXXX claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.

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 2016-01-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-20
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed my account said my score was XXXX I have a 100 % pay record never been late

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 2022-03-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance loan with Navy Federal Credit Union. Navy Federal ultimately denied my application. However, the reason ( s ) for the denial were never consistent, and Navy Federal alluded to items that were in fact not on my credit report. For example, in a letter they sent to me, Navy Federal referenced a collection account on my credit report, when there was no such item. Additionally, I was told verbally by one of their representatives ( XXXX XXXX ) that my credit score was too low for approval, but the denial based on my score was not referenced as a reason for denying my application. Navy Federal has never given me concrete reasons for my loan denial, and the reasons constantly shifted. I believe that Navy Federals denial of my application was arbitrary, careless, and possibly discriminatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions

Company response to consumer: Closed with explanation