BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in my second semester as a graduate student at XXXX XXXX XXXX. I submitted a letter stating that I am at least a half-time student in order to apply for in-school deferment. This loan was originally taken out with another lender and was sold to Discover a number of years ago. I received a letter stating that my request has been denied due to the " maximum months already used. '' I have reviewed my MPN and do not see any reference to time limits on in-school deferments. I did defer my loans while an XXXX at XXXX, I deferred them two years long while taking XXXX courses at XXXX. Since then I have not taken enough credits to qualify for an in-school deferment. I did qualify in Fall XXXX, I did not in Spring XXXX, and I do again in Fall XXXX. This " maximum months '' is not referenced on any paperwork I signed when applying for the loan nor is it stated on the in-school deferment application. I believe that I do qualify for this deferment as I have only been eligible for it for during the year I borrowed the money ( my third year of college ) my senior yar of college, the two years following and now last fall and this fall - in total that is five years, but I am being cut off at 4.5 ( not even that because the loans went into repayment again this past spring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, Account was Paid, Company stated that account would be paid with deleted from Credit report and was n't. I Would like for it to be Deleted from all 3 reports!!! 
Open XXXX/XXXX/XXXX Paid XXXX XXXX XXXX, Account was Paid as Agreed, Transferred to XXXX XXXX XXXX, Only had 1 account and had been PAID IN FULL XXXX. I would like for it to be deleted from all 3 reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Care is holding insurance claim money in escrow due to my house burning down in XX/XX/XXXX. My loan was through XXXX XXXX, but it was sold to Loan Care after the rebuilding process had started. I submitted all of the required documents for the insurance claim to Loan Care including the Contractor 's  bid on XX/XX/XXXX, the approved building plans on XX/XX/XXXX and a copy of the building permit issued by the county on XX/XX/XXXX. Loan Care was supposed to disburse 50 % of the funds that they are holding in escrow to my contractor once they completed a 3rd party inspection proving that the rebuild was at least 50 % complete. That inspection was accepted by Loan Care on XX/XX/XXXX and it was determined that the rebuild was 60 % complete. I called on XX/XX/XXXX and was told by XXXX that the draw for 50 % of the funds was requested. I called again on XX/XX/XXXX to be sure that it was moving through the process and I was told by XXXX that the draw had been canceled because Loan Care never approved the rebuild of the house. It was never at Loan Care 's discretion to approve the rebuild since the construction began when the loan was being serviced by XXXX XXXX. Loan Care is now refusing to disburse funds based on the notion that the didn't approve the rebuild even though the accepted the plans and the contract to rebuild months ago. They also already disbursed funds to pay the architect and the septic engineer. My contractor is going to cease construction unless I get them a disbursement of 50 % of the money in escrow by XX/XX/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 2022-01-20
Company: EQUIFAX, INC.
State: PA
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 there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!

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 2017-08-24
Company: Exeter Finance Corp.
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:
This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Predatory lender " loancare '' continues to send threatening letters regarding HO6 insurance policy, claiming that the said policy has expired. It has not expired. This is an attempt to sell insurance at inflated cost ; cram and scam.

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 2022-01-20
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. 

I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase CASE ID : XXXX My Mother had XXXX on XXXX XXXX, 2017 in XXXX, FL. I have all doctor 's note and completed Chase forms. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then XXXX at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and XXXX, I stayed in FL and was unable to take my return flight home. 

I asked Chase for the trip cancellation protection, but they declined it for 2 reasons. 1 ) my mom had a pre-existing condition. My mom did NOT have a XXXX XXXX. She went in for XXXX because of potential XXXX found by doctors just a few weeks prior. 2 ) XXXX refused to cancel flight instead provided flight credit expires in 1 year. But I will not be flying XXXX again because it does n't fly to destinations I frequent. I am happy to give the credit to Chase. 

I am disappointed that Chase trip cancellation benefit is so difficult to use. In effect, Chase is telling me that I am on my own when I helped my mother recover from XXXX. 

Please find attached all documents submitted to Chase : - physician 's statement signed by doctor - claim form - refund policy of XXXX - travel credit - credit card statement with XXXX charge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to XX/XX/XXXX and to Equifax but had trouble disputing on line with Equifax. I have old statements showing the situation was fixed. Equifax confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No. XXXX - date opened:XX/XX/XXXX This has a XXXX  balance is a closed account. It is shown as a " derogatory mark '' on my credit.
Can you please help me rectify this again?
Thank you for any of your help.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint. Their response to the first complaint was they would not respond because I was a third party. Which I did n't become a third party until after the complaint. All I want to do is pay off the loan balance. I am the legal owner of the property. I have sent the legal papers they requested. They still refuse to work with the tital company that has requested the payoff numerous times. There is a auction date of XXXX XXXX, XXXX. This is the second date set. I was able to get them to postpone the first date so we could get everything together. All we need is the payoff faxed to the tital company. They have all the legal paperwork they need. They continue to refuse helping me pay this debt off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXXXXXX XXXX XXXX  XXXX ORIGINAL CREDITOR : XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : 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 explanation
Consumer complaint received 2019-11-21
Company: Ad Astra Recovery Services Inc
State: MS
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:
AD Astra Recovery Services refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: KY
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:
All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report I noticed a medical collection from XXXX for {$60.00}. The debt had been transferred to XXXX XXXX  XXXX. I contacted XXXX and they were unable to pull up any information that matched my name, dob and address. I let them know that the debt was on my credit report and they were the original creditor. They advised me to dispute the information with the credit bureau because they could not delete a record they could not find. I disputed the collection with all three credit bureaus. Both XXXX  and XXXX deleted the collection, based on the lack of ability to properly verify all reported information being accurate. However Equifax reported that they did not delete the collection because it was valid and they had verified the information. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Equifax used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I wrote the credit bureau a letter about information on my credit report that is inaccurate and needs to be investigated and they did not respond to my dispute within 30 days which is a violation of the FCRA. The credit bureaus have failed to conduct a proper investigation and failed to correct or delete this inaccurate information off of my credit report. Their reporting of this inaccurate information has me in a serious financial bind and I need this addressed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I was under the care of the State of Texas through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, TX for XXXX XXXX XXXX XXXX. My Dr. at XXXX was XXXX XXXX XXXX and she made several referrals to the local Dr. 's to address health concerns they were unable to manage. Transportation to the referred doctor 's were handled by a contracted company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was transported by this service several times, all to Dr. 's within a 17 mile radius of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was the only transportation available and required by XXXX XXXX for patient transport. The State of Texas/XXXX routinely billed my XXXX XXXX Health Insurance, XXXX XXXX, for services and would be reimbursed by XXXX  and the State of Texas then picked up any additional charges that XXXX  would not pay, as per the State of Texas contracts with XXXX providers. XXXX XXXX XXXX began billing me for services that were exaggerated in mileage, incorrect dates, and for charges exceeding {$2000.00} that I was not resonsible for. I reached out to XXXX XXXX XXXX to dispute the bills I was recieving. I reached out to XXXX XXXX XXXX at XXXX XXXX  numerous times to address this billing problem. XXXX XXXX XXXX then sold this fradulent debt to Wakefield and Associates who then placed three collection accounts on my credit report, all three credit bureaus. My credit score of XXXX has dropped to the XXXX XXXX because there are three fradulent charges that are not my bills. I have disputed with all three credit companies and I am not responsible for any of the charges listed on my credit report. These are fradulent and should have been paid by the State of Texas. I have also reached out to my Texas House Representative, XXXX XXXX, to no avail to address this problem.

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 2019-12-24
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX 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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the SBA data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the IRS, my local SBA and XXXX and no one was able to help me.

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 2019-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Experian placed a freeze on my account for fear of fraudulent activity. I was unable to apply for credit after that, and am not able to have the freeze removed unless it's submitted in writing. I have LITERALLY tried 9 phone numbers to speak to someone and each time have not been able to get around the automated service. Finally, I called and said I was a business so as to get a person on on the phone, I have been on hold LITERALLY 2 hours and 26 minutes and have still not spoken to someone. I A AM LIVID. IT IS IMPOSSIBLE TO SPEAK TO SOMEONE AT EXPERIAN AND THEY MAKE ADJUSTMENTS TO YOUR CREDIT REPORT WITHOUT YOUR AUTHORIZATION OR CONSENT - AND THESE ADJUSTMENTS IMPEDE MY ABILITY TO LIVE.

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