BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2017-04-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have applied for a Mortgage with  XXXX   XXXX . Equifax refuses to give  XXXX   XXXX  my credit report.  XXXX   XXXX  indicates Equifax says there is a credit hold on my report. I call Equifax who indicates there are no holds and no problems. I called Equifax 's mortgage division and it indicated  XXXX   XXXX  used the wrong address and no birthday.  XXXX   XXXX  used the other address and my birth date and they were denied my credit report again indicating there is a fraud hold on my account. Equifax is holding my credit hostage and this company should not be allowed to just do as it pleases without having to answer to anyone. I have had numerous problems with Equifax and its refusal to fix improper reporting in the past, but denying a mortgage company a report is the final straw. I should n't have to hire an attorney to sue them to do what they are supposed to do. These companies need better regulation and consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CIR, Law Offices
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # 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 2021-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The incompetent credit reporting agency never answered CFPB XXXX. Specifically, I am entitled to a free mailed copy of my report based on : On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. I am XXXX, I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the West of XXXX ( see Receipt # 1 ) On XX/XX/XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by those Agencies : A.- XXXX XXXX XXXX B.- RECEIVABLES PERFORMANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX, WA XXXX PH : XXXX PH : XXXX and the last report was on XX/XX/XXXX. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX  receipt cc.

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 2021-12-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX, I ask Transunion to dispute XXXX because they were reporting my account still having a balance of {$890.00}. I also contacted XXXX ( XXXX XXXX, XXXX ) and was sent a letter to show that my balance was XXXX. Transunion made the correction then put the information back on my credit report and is telling me I have to wait XXXX  days for them to investigate. I should not have to wait XXXX  days XXXX claim they sent the letter to them.

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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: WA
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:
Someone else 's name, address, and hard inquiry appeared on my Experian credit report. The reason is likely that someone having a similar name, having no SSN, and living in the same university housing I lived in many years ago tried to apply for credit. This is not the first time Experian mixed my credit report, and I never had similar issue with XXXX or XXXX. 

I contacted Experian for dispute. They recognized the issue of mixed credit profiles, and they removed the extra names and addresses, but they refused to remove the hard inquiry involved. Experian and the bank making the hard inquiry now both ask me to resolve with the other party. I can not solve this problem by my own, and I'm seeking legal actions. 

I believe Experian is at fault for combining credit reports with their problematic software system ( XXXX and XXXX didn't have any similar problem to me, no wonder that Experian 's poor software resulted in data leaks ). I previously told them not to combine my profile with another having no SSN or having another name, but they are still doing so. 

I believe the banks making hard inquiries are innocent since it is a standard practice to report credit applications without XXXX to credit bureaus, and that banks have no control ( or even any knowledge ) that Experian provided the wrong person 's 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 explanation
Consumer complaint received 2017-10-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, I made an online purchase with my XXXX XXXX XXXX ( AEO ) credit card and the purchase was approved. I had a known credit line of XXXX dollars with XXXX available. After making the purchase and returning the items, XXXX decreased the credit line to XXXX without my knowledge and as a result, put me over my credit limit by XXXX some dollars. I think this is unfair practice and as scam for a customer who paid the bill on time or before time. I called the company and they stated that the affiliated bank decreased my credit line and there was nothing they could do.

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 2021-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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: Investigation took more than 30 days

Complaint:
THIS ACCOUNT WITH PORTFOLIO WAS UPDATED AS DISPUTED BUT FAILED TO PROPERLY INVESTIGATE. DID NOT PROVE BEYOND A REASONABLE DOUBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Account Control Technology, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Around  XXXX   XXXX ,    2016 I co ntac ted Capital One about the annual member fee on my Master Card. I  was informed that new accounts no longer had that fee and that my account has been adjusted to no longer have that fee . Capital One e ven went as far as refunding me the fee they had previously charged me.   Despite t his Capital One ch arged me another fee on  X/XX/2016   . I have contacted them numerous times but they have refused to do anything about it. The best solution they have offered is telling me to apply for another credit card.   I wa nt Capital One to do  as they promised and remove the fee from my account and make sure they do not keep charging it every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to get the following information off my file, the items i need removed are listed on the report. I need my report corrected I reported the theft of my identity to the FTC and my general attorney. Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation

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 2021-06-16
Company: LEXISNEXIS
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: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the XXXX19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I am writing about an account which reports from Citi, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this negative account with the credit bureaus as well as the direct creditors and they have reported to confirm the account is valid without any proof. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.

Company response to consumer: Closed with explanation