BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: VT
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:
Today, XX/XX/XXXX : I am trying to dispute incorrect and out of date information on my equifax credit report as it is negatively impacting my score. I have tried calling into equifax where I spent approximately 20 minutes on the automated menu loop that made me press '2 ' every couple of minutes or it would hang up on me. Once it finally started to ring and it appeared like someone was going to answer, the call disconnected. So I called back and was put back into the automated menu loop. The representative then called me back six minutes later and then said that I was next in queue for a supervisor, after which I was placed on hold for over an hour. The person on the phone then asked the same verification questions numerous times then said they could not verify my information. 

I then went online to try and dispute this information, as well as uploading an image of my driver 's license that meets all of Equifax 's XXXXcriteria ' for a document upload, and I am being told they can not process my dispute on line - I must call them. I verified that my license photo met all of the criteria from file size to file name, only uploaded ONE image as instructed, and it puts you on an endless loop that will never allow an average person to be able to dispute incorrect and damaging information on their report. This seems intentional. I took photos and recorded the process of me attempting to dispute my report online all the way through the document upload process and the error message. Equifax had one of the largest consumer breaches in economic history in XXXX and seems to be deliberately prohibiting people from being able to repair their credit by disputing information. 

My XXXX and XXXX credit reports were updated at the time that some of my information changed and debts were paid off so I don't understand what is wrong with Equifax and why they have become so poorly managed in the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage servicer to inquire about the CARES act Covid-19 National Emergency Partial Claim second mortgage as I have read about on ConsumerServices.gov and HUD.gov. My servicer would not even acknowledge the existence of such a program and only wanted to force me into options that would require immediate repayment. The customer service told me he has the final say on this matter when I asked who else I could speak to since he apparently didnt know of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car from XXXX XXXX in XXXX and returned it in good condition in XXXX debt paid in full. ( if it wasnt paid I could not work with XXXX until it was paid and thats who Im working for as of today since XXXX ) I received a letter requesting payment of XXXX. On XXXX XXXX, I sent a demand letter certified asking for proof of alleged debt and verification and documentation of who and why I owe this amount. I got no response. On XX/XX/XXXX I received another letter offering a settlement of XXXX. This company has fail to provide proof of this Debt. All payments for the car I leased through uber was paid on time taken out on my earnings every week. I do not owe them Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Received a notification from Truist today that my mortgage was increasing by {$710.00} ( which is a 24 % increase ) starting in less than 30 days. They state that this is due to the fact that the escrow account is overdrawn due to property taxes. We paid our first year of property taxes and our homeowner 's insurance as part of our closing cost. In addition, we have been paying {$1000.00} in escrow each month. There should be plenty of money to cover property taxes as we have lived in the property for only a year and have provided XXXX in escrow funds. When I called them to ask for clarification, they stated it was possible the property taxes were paid twice ( at closing and by Truist ). They noted it was my responsibility to figure out how to get the money refunded. When I asked them what I should do regarding the additional XXXX I would owe each month, they stated I could ask customer service to lower the payments but implied I would ultimately be responsible for covering the additional cost while the refund was sorted out. They made no attempts to reconcile the morgate payment increase difference while the account was being investigated. This mismangament of our escrow account is predatory.

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 2022-01-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Account had been in forbearance ( covid 19 ) and finally ended in XXXX. I then continued to make payment on my mortgage and in this time kept requesting resolution. We received paperwork but local bank notary advised us it was not legal in CT. After many calls still no resolution and all this time I have just kept paying the loan. Fast forward and on XX/XX/XXXX the company reported me 120+ days late on my mortgage but account says current? This dropped my credit score down over XXXX pts making it impossible to bounce back. I have contacted all 3 bureaus and mortgage company and they will not acknowledge it or escalate my claim that this is incorrect reporting information. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Advanced Collections, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I call ed    XXXX   XXXX   XXXX   located in  XXXX , Mississippi, and asked that if I paid off  XXXX  of my accounts would they give me and discount and agree to delete the negative entry on my credit report. After making several calls there to get a discounted rate, which they clearly did not want to offer, my account representative  XXXX  agreed, and she also agreed that she would get the entry removed from my credit file. She said she would have it removed simply by telling her supervisor. Now, the day after I paid off the account, I call back to verify that the entry will be removed and to request some paperwork to show the removal and  XXXX  says her supervisor  XXXX  wo n't remove it and that she never told me she would get it deleted only that she would " ask her supervisor ''. Then she said her supervisor would only remove it if I pay the other account I owe as well.This was a very deceptive practice that  XXXX   XXXX   XXXX  used just to get my payment. It is highly unfair and misleading. I paid off my debt to them under the verbal agreement that the account I paid would be deleted off my credit file. I feel that this is CLEARLY a violation of The Fair Debt Collection Practices Act and I have recorded conversations and a witness that will substantiate my evidence against  XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: CO
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:
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2021 I sent letter inaccurate accounts on my credit report and it has remained unanswered for over 60 days. It has been almost 60 days and I have yet to receive a reply. I demand that these account be deleted or I will seek damages if warranted. FCRA Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.

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 2017-02-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
A rep from Navient called me to discuss a loan that I had with XXXX XXXX in 2007. I asked the rep could she supply me with additional information, because all of my student loans should be consolidated. She proceeds to tell me that my mom has the information and if I wanted it ask her. I told the rep my mom is not sure of what she is talking about either. Then she gets defensive and starts talking over, repeatedly asking if I 'm going to pay my debt. Then she tells me I 'm unprofessional because I want information on a loan that I suppose have through them. I told the rep this loan is over 10 years old and I need more information so I could better understand the situation and work toward a resolution. I also asked when was the first payment made on the loan and how is just now coming to my attention. The rep would not answer any of my question she started yelling at me telling, I know what the loan is and I better pay it. After her yelling she then ends the call, while I 'm asking to speak with her supervisor. I called back several times on have her hang up on me multiple time and threaten me with harassment because I was calling her wanting information on a loan. The rep was very unprofessional, she was also loud and disrespectful. I still have no answer about the loan in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Applying for a mortgage, and wells fargo is reporting a 30 day late payment on my HELOC, this IS NOT accurate, i made the payment on 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 2019-12-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of XXXX XXXX XXXX , XXXX. The XXXX transfer was sent to my TD Bank account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. 

I expected the transfer to arrive within a reasonable time. It is stated in the XXXX literature that enrolled XXXX customers can expect payment within minutes. 

When I contacted my TD bank they said that they are not responsible because XXXX is a third party. I do not want the service of a bank that will not assist me with a customer service concern for a service they provide such as instant money transfer via XXXX as part of their service. 

I am enrolled in XXXX and I have a TD bank account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by XXXX/TD. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2021-01-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company has committed fraud pursuant to 12usc 1431 because they are not authorized to issue credit only debt. also the alleged credit card does not meet the definition of a credit card In accordance with 15 usc 1602 ( I ) and according to 15 usc 1602 ( g ) the bank does not meet the definition of a creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In according with Fair reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; Equifax and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and Equifax is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX. 
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment. 

MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX. 

Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}. 

How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??

Company response to consumer: Closed with explanation