BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Bread Financial Holdings, Inc.
State: AL
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:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2016-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.

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 2016-09-02
Company: AES/PHEAA
State: CA
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 consolidated federal student loans are serviced by FedLoan Servicing. ( I have made about half of my qualifying XXXX XXXX XXXX XXXX payments. ) Last year, I received a pay raise from my nonprofit job, and in XXXX I filed the annual recertification paperwork. In XXXX, I was told that I was no longer eligible for the XXXX plan and was placed on the standard plan, which I ca n't afford. I applied for certification a second time because I am eligible for at least the XXXX plan ( my last XXXX is around {$67000.00} ). Since then, I have been deferring payments because I am unable to afford them at the standard plan rate. I also checked on XXXX separate occasions with FedLoan representatives, who quoted me estimate of approximately {$360.00} in monthly payments. In XXXX, XXXX approved me for the XXXX plan at {$410.00} per month. ( I can explain my math if necessary. ) The FedLoan representative I spoke with advised me to request a recalculation, which is just submitting yet another recertification, which will take several more months. 

The summary of this is that by initially and erroneously adding me to the standard repayment plan, which required me to defer loans for multiple months while they recertify me for an XXXX plan, and now asking me to submit the same paperwork for a third time, the balance on my loans with FedLoan has increased approximately {$9000.00}, or 10 %, in a matter of months. I have no recourse to expedite the recertification, I ca n't get insight as to the math they use, I always get conflicting information or learn something after it would have been beneficial, and each time I request a recertification, it takes at least three months, all of which puts me further behind making my required payments. 

FedLoan financially benefits from these delays by compounding the balance on my loans, all of which could have been avoided by competently recertifying me in the first place. 

I 've attached my latest tax return as evidence of my adjusted gross income, and I 've also attached documents from FedLoan Servicing indicating the revised monthly payment terms and forbearance notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and has filed a identity theft and police report with the XXXX XXXX Police Department. The police report case number is : XXXX, the following accounts are unauthorized, fraudulent and do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a COVID forbearance and when it ended I was told I could apply for a modification or a repayment plan. I submitted all the paperwork but was denied bc the lender does not allow more than one modification on the loan, and i previously had a modification, prior to COVID. When my state shut down and everything stopped working, I had no choice and was offered a forbearance. Now that it is over, the lender wants all the money, and refuses to offer any repayment. That is very unfair and not what I was promised. I submitted a new package for review and I am attaching the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Terrill Outsourcing Group
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Superlative RM is harassing me, my wife and daughter. We have no record of the debt they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Looking at my credit report I see all my debts have been settled. Who ever garnished my wages has already garnished multiple wages from me. This debt should all be settled. The took so much money already! 

I was not notified of any wage garnishment and they are now again garnishing my wages, I don't know who is garnishing my wages! I did not get any notification. 

I have no idea how to contact them. 

Whoever did it garnished my wages already 4 or more years ago for multiple years. 

I do not know what to do. I can not afford them keep taking my wages. The debt is from more than 7 years ago. I don't know how to get a hold of anyone and have no idea who is garnishing my wages i kindly ask for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Genesis FS Card Services, Inc.
State: AL
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:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive communication from this collection agency by phone or by mail before the debt was placed on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX and Transunion are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX  partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2015-12-08
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 20 violations of my rights across 15 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609 I attempted to file a dispute online with Equifax, however, their online system rejected my request.

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out '' >>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ] 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 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 Furthermore, some of these accounts have additional violations which are also highlighted below. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX L ) Account # XXXXAfter a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report >> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXAccount # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number XXXX Accounts Older than 7 years and have not had activity within that time : ( see attached ) - XXXX XXXX XXXX  Account # : XXXX ( XXXX occurrences ) Statute has expired and should not be on my report any longer. 

XXXX XXXX XXXX accounts with no Creditor information listed ( see attached ) - CREDITOR UNKNOWN ACCOUNT # : XXXX - CREDITOR UNKNOWN ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Arbor Residential Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After requesting PMI removal in XXXX 2016 and fighting for months to obtain a fair appraisal of our property, two separate customer service representatives from Seneca Mortgage told me ( in a recorded call that both agents agreed to ) that my request for PMI cancellation probably was n't being taken seriously because " my property was n't worth anything. '' The customer service agents then proceeded to argue this " fact '' based on their own assessment of the land using the property taxes that my husband and I paid on the farm land. Neither agent understood what a " farm deferral '' was and that we pay a large reduction in property taxes, as we 're currently XXXX this land that is zoned for a subdivision of XXXX houses. Over the course of 5 months, Seneca failed, refused or was unable to complete this appraisal and transferred our loan to a different carrier. 
My husband and I feel that agents with Seneca conducted their own unofficial and unprofessional appraisal of our land and our request for PMI removal was ignored, despite the value of our property being appraised by our county at XXXX times our loan amount and us being current on all requirements of PMI removal via the Homeowners Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: The Bureaus, Inc.
State: AL
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:
I filed a dispute in regard to the incorrect information on my credit report, it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see previous complaint regarding this issue The company blatantly lied in their response with incorrect information about the situation Previous Complaint number is XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage A copy of the companies web site which a form was submitted for the favor on credit was submitted This also being filed with the office of the comp controller I resent your sarcastic tone and the lies written in your response. 
I despise passive aggressive behavior and liars. 
But thank you Because now I have written proof to file a complaint with the comp controller You may think its no big deal lying and throwing the blame back on the customer all with a immature child passive aggressive attitude. 
Not sure whom wrote the response but they should not represent your company. 
This is no way is how a professional company should respond to anyone Ever! 


1. Never did I ever say the tax shortage was not shell points fault You have a open escrow account for my mortgage It is your responsibility and fault if taxes and or insurance does not get paid in a timely matter. 

2. I have proof I am providing that I most certainly did send the proof of of the tax shortage immediately after I called and spoke to the rep and requested the escrow department look into the account Also I hate to be misquoted I said in 2013 way before your company was involved with my mortgage I had a lien from my association for a laughable 50 dollars but to remove was a process not worth repeating!!!!!!!! 

I ado said that your very own website says that you can do a one time favor for credit reporting Which a rep told me that you were able and since this was the first request I was more than likely to have that granted I am also providing proof of this Which by the way destroyed my credit and my sons summer semester Because!!!! 
I was in the middle of a loan when my score dropped 48 points! 

But when the obvious immature spiteful Im guess from the complaint got ahold of my request they denied it. 
And the rest is obviously easy to see because how the response was written 3. As stated in your letter with your sarcasm You wanted us to thank you for the lien not being placed And your double talk about the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: KEYCORP
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chase Auto Finance called on XX/XX/XXXX to report a stop payment of a check on XX/XX/XXXX. 

A payment was made from the dealership on XX/XX/2022 for full payoff of auto loan. 

The title was released from Chase to dealership. A refund for overpayment was sent to us. A letter acknowledging payment was received by us on XX/XX/2022. 

Chase has since submitted an erroneous credit record as the result of their error. 

They are requiring additional documentation from the dealership despite having record of payment on file. 

Despite trying to work and get information they deny attempts to clear this up and make restitution for the error.

Company response to consumer: Closed with non-monetary relief