BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a BALANCE {$4300.00} and the past due amount that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX. 
Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MS
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance XXXX {$32.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2020-03-06
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
An erroneous Chapter XXXX is reporting on my credit report and LexisNexis will not provide Method of Verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: PHH Mortgage Services Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Rosebud Economic Development Corporation
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a {$400.00} payday loan. After several weeks I noticed the company was still deducting the same dollar amount from my checking account. I 've paid more than {$700.00}. I checked the loan document and learned I 'm being charged 766.56 % interest. This is exorbitant!

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 monetary relief
Consumer complaint received 2020-03-06
Company: ONEMAIN FINANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Filed account in my chapter XXXX bankruptcy. Account still reporting as open with XXXX. & Is reporting correctly with XXXX. Please make sure all 3 bureaus are accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called mortgage company in XX/XX/XXXX to ask for Temporary Hardship application due to COVID-19. At the time I was told that mortgage payment for XX/XX/XXXX was already in process, but to put a cancellation on electric payments on payment for the month of XX/XX/XXXX. I was asked to fill out application and that someone was going to give me a call and not to worry because this information wasnt going to be report to my credit. However, until this day I havent receive a call from anyone representing this company. And the company already reported the information to My husbands and my credit report affecting my credit report. When I called today XX/XX/XXXX asking why this was reported? I was told again to wait for someone to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The status listed on the account is current, yet you show this account as being Adverse. Please delete the account.

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 2016-03-08
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.

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 2020-03-06
Company: Experian Information Solutions Inc.
State: FL
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 refuses to investigate the fact that there is fraudulent information on my credit report. I have disputed these items, to no avail. They are in violation of the FCRA.

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 2017-02-26
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home. 

We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable. 

We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wanted to have late payment forgiven for kohls made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX XXXX  would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I wanted to buy a console from someone and used PayPal to transfer money to the seller but the seller did not send package and does not want to refund money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: CA
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 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 an 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 explanation
Consumer complaint received 2022-06-15
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). 

XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. 

The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. 

CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi, My name is XXXX XXXX in which respectively I have submitted disputes to XXXX and Transition on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. Transunion fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and XXXX has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ; XXXX 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.

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