BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2016, I sent Experian a dispute regarding XXXX account # XXXX, along with documentation showing a judgment in my favor on that account ( See Experian Dispute XXXX, XXXX ). Experian listed the account as " Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. '' and failed to delete the inaccurate account. ( See Experian Response XXXX ). 

I sent a second dispute on XXXX/XXXX/2016 ( See Experian Dispute XXXX ). In its XXXX/XXXX/2016 response, Experian refused to reinvestigate the dispute, stating that " the credit grantor has verified its accuracy '' and that " we will not reinvestigate the same dispute again at this time. '' ( See Experian Response XXXX ). 

Experian failed to provide any details or documentation of its communication with XXXX or of any independent investigation. Additionally, Experian failed to explain why it is relying on the creditor 's " verification '' over a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.

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 2015-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XX/XX/XXXX Experian was reporting a bankruptcy, that they have removed. Now here is where problem the accounts that were so called in the phantom bankruptcy that has been removed. They reverted back to showing on my report that it was written off. Now that is incorrect and need to be removed under the fair credit reporting act. I have sent them registered letter on numerous occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Each time I ask them to investigate that its reporting correctly and the refuse. Reverting back to the incorrect information on the report. I will list the following accounts that are reporting incorrectly on my report. XXXX XXXX XXXX was reporting as in bankruptcy no bankruptcy listed. Now reporting that account was charged off that is also incorrect. XXXX XXXX same explanation as above..XXXX card account # XXXX same explanation as above. XXXX XXXX same explanation as above. XXXX accout # XXXX I have never had a loan with XXXX # XXXX this is being reported incorrectly. XXXX # XXXX this account is also being reported in correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed these items with Experian on several occasions now. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 
Attached is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

See enclosed agreement information for the " Deferment End Date ''. 
According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. 

I 've attached my Class Enrollment Schedule, showing enrollment in XX/XX/XXXX. 
These XXXX items from XXXX XXXX should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter Experian sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX is in violation of the FCRA, they 've reaged these items. 



Enclosures : Agreement XXXX pgs Student Class Schedule XXXX pg

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RUSH PLEASE I HAVE SALE  XXXX   XXXX ,  XXXX and i can not do anything. I have loan modification.   Hi, my name is  XXXX   XXXX . I have some very bad issues going on right now with my bank  ( Fay Servicing , LLC )  and about my previous banks. When I opened my loan from  XXXX   XXXX   XXXX  my monthly payment was {$1300.00}. I couldnt pay them anymore due to my divorce my husband left me and left me in the waters. I applied for  a Loan Modification  and they told me to make some trial period payments of {$1500.00}. I paid all three times for the three months, on time. After the payments were done they transferred me to   XXXX   XXXX   XXXX  . I had the same story with them, they asked for trial period payments and so I had no other choice I paid {$1900.00} for  three month s, on time.   XXXX   XXXX   XXXX   transferred me to Fay Servicing , LLC who is now my current servicer. I now have a foreclosure sale for  XXXX . I have sent them all documents but they still have not offered me anything. I have sent them documents again. I dont want them to ask for a trial period payment and then transfer me to another servicer and then go through the same thing the banks have been doing to me twice. I dont even know if those trial period payments I have paid when towards anything like my loan or did they just take it. I want to keep my home and pay a reasonable amount. I have a sale coming up on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: IA
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:
In  XXXX  of   XXXX  , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services.  The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in  XXXX  of   XXXX  . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: LoanCare, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare, or XXXX ( whichever name they are using at the moment ) is making it difficult for me to pay my mortgage. They sent a letter in the mail that was an amount higher than what my payment shouldve been. They always send very conflicting information. On their website, is a lower payment. However, when I tried to pay my mortgage today, the website kept freezing/crashing. Literally every page on their website works except the page where youre suppose to make a payment. ( How convenient for them? ) The payment page is just a blank, white screen. After several tries, I decided to call them instead. I never got an actual human on the phone. An automated voice would say __________ ( the person that should be working ) is at home. Then the robot just hangs up in my face. I have recorded the website and phone issues as proof. 

It seems as if LoanCare is purposely making it difficult to pay my mortgage so that they can report me as missing a payment, and eventually foreclose ( because theyve made it next to impossible to make any payments )!! I will not be sending any payments through the mail because I dont trust them at all. They might say they never received it! ( Which is what another homeowner went through on the XXXX reviews ). This seems to me like a form a equity stripping. Their website keeps trying to tell me how much equity I have in my home ( which is way lower than the actual equity I have ). I believe they want me to take out a HELOC or similar, make it impossible to make the payments, and then take my home. 

NEVER have I ever been with such a horrible mortgage company. Theres no way that the things they do are legal. I really think this company should be investigated very throughly. I wouldnt be surprised if it leads to a class action lawsuit! This is ridiculous!!

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 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Company did not indicate what steps it would take if loans went unpaid. Excessive emails about payments being due but no information. Emails if by any other company would look like harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint with XXXX and XXXX on XX/XX/XXXX andcXX/XX/XXXX due to Capital One keeps not reporting fairly. Each month they either skip or report information from the month before billing cycle. I paid Capital One in full on XX/XX/XXXX before my bill cycle ended and they have I owe them {$77.00}. The last time my credit report shows Capital One reported my account balance was XX/XX/XXXX. This report was obtained by XXXX on XX/XX/XXXX. Capital One did not report for XX/XX/XXXX and should be reporting for XX/XX/XXXX in the next few days. My account balance on their website shows XXXX owed and {$800.00} available limit but they failed to report this since my last payment. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$390.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$800.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$77.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$15.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : N/A Comments : Consumer disputes - reinvestigation in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX has a 30 day late in XXXX that should have been removed by now. XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now. XXXX, XXXX, and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: LHM Financial
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed from XX/XX/XXXX of 2021 to XX/XX/XXXX of 2021 as a XXXX XXXX  XXXX veteran and due to negative impacts of COVID-19. I received forbearance relief from 3 of 4 mortgage companies I held mortgages with. The 3 mortgage companies acknowledged my circumstances and need for relief as it related to COVID-19. The 4th mortgage company, LHM FinancialXXXX XXXX is denying forbearance retroactively or forgiveness of two late payments to mend the negative credit information submitted to the bureaus. I was late paying XXXX and XXXX and have requested forbearance to cover the time of those late payments or to forgive the lateness for the payments. A forgiveness of the two late payments will be a simple solution that will allow me to mend the negative information on my credit report. I have sold a property to ensure I am not delinquent on any payments going forward and to come current with LHM. LHM Financial sent me paperwork via USPS to fill out to apply for relief in XXXX. I provided more than 200 pages of information relative to my circumstances to be approved for relief. I mailed in the full complement of paperwork requested for a forbearance and it was received by the receptionist on XX/XX/XXXX at XXXX XXXX via XXXX. The amounts of the XXXX and XXXX payments individually were {$1600.00}. The total I paid to LHM Financial to come current on my account on XX/XX/2021 was {$5000.00}. My account manager at LHM is XXXX XXXX and his number is XXXX extension XXXX. XXXX has never returned my phone calls or inquiries despite my efforts to reach him over the course of the past 4 months. He continues to pass messages to customer service representatives that the " investor '' is not granting forbearance to anyone. He will not speak to me directly. I have tried calling to reach XXXX more than 30 times to discuss my options during the time I could not make payments. I am current for the mortgage and have the means necessary to not be delinquent again. As is evidence from the other 3 mortgage companies, I should be protected by the CARES Act.

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 2021-12-31
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2016-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX/XXXX/XXXX at approximately XXXX hours, I checked my credit report through my credit card XXXX XXXX. I noticed my credit score dropped from XXXX points to XXXX points. I obtained a credit report check through Experian and noticed a false address on my credit report such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have filed numerous complaints against Experian for the past several months ago and advised Experian that I do NOT lived in XXXX California. I have been a victim of Identity Theft since XXXX XXXX, XXXX. Experian was to put my credit report on " Security Freeze '' and place a " Fraud Alert '' in order to prevent criminals from opening any more credit cards using my name without my authorization. Experian continued to ruin my life again by dropping my credit score from XXXX points down to XXXX points ( XXXX ). I would like to know why Experian continued to ruin my life by allowing criminals to open more credit cards and refused to bring my score up to XXXX points? I thought everything was going well for my life since XXXX XXXX until Experian starting to ruin my life again. Why?

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 2022-10-01
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX has not reported the payments I have made to them, to XXXX, Equifax and XXXX since XXXX XXXXPlease update this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Selene Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My prior complaint was closed and was not resolved so I am filing another one. My prior complaints was COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage I just got 2 letters from Selene Finance mortgage company. One was dated XX/XX/XXXX and said that I am behind on my mortgage and to contact them for assistance. WHAT A JOKE!!! I also got a letter dated XX/XX/XXXX and this one notes that they got my documents on XXXX. If that is the case, why are they sending me another letter on XX/XX/XXXX telling me to contact them for help. HUH?? 

I was given 8 days to provide additional documentation. It sates in the letter that I should have my items back to them by the XXXX XXXX XXXX!! Today is the XXXX just got the letter in my mailbox today!!! When I attempted to phone them to discuss the matter there was no answer. The message said the office was closed and then proceeded to tell me the hours they were open. They state they are open until XXXX today I called at XXXX and they were closed! So, now I will not be able to speak to someone there until at least the XXXX of XXXX!!!! How am I supposed to gather the information by the XXXX when I didnt even get the letter until the XXXX? They also say I can make an appointment with my single point of contact, who they list as someone named, XXXX XXXX as that person. They only have one number listed for every single department!! Its the same XXXX number for everything! This company is predatory and is trying to take advantage of my situation! This is abhorrent and unacceptable. They also list items that I have sent them and the list is inaccurate and it states they are valid until an expiration date that doesnt exist. Why does this company pretend to be helping me??? They have been the worst to deal with and are not helpful at all.

Company response to consumer: Closed with explanation