BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Department of EducationXXXX XXXX XXXX inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my Experian & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly

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 2022-05-03
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: Account information incorrect

Complaint:
Department of EducationXXXX XXXX reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my XXXX & TransUnion report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly

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 2017-10-20
Company: Experian Information Solutions Inc.
State: MD
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:
I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX 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 XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is Experians responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.

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 2018-06-04
Company: TCF NATIONAL BANK
State: CT
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:
XXXX XXXX XXXX, CT XXXX  ( XXXX  ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 120 days late in XXXX XXXX 90 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XX/XX/2018 Prior to when they began reporting me late I paid off the account in full. A few months later I checked my credit report and saw they were reporting me late. I contacted Comenity Bank to resolve this issue and they told me they could not locate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CORELOGIC INC
State: CT
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:
XXXX XXXX XXXX, CT XXXX  ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX  and XXXX XXXX. Please let me know how to report the others. Thanks you

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 2023-02-04
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received this collection notice in the US mail. I reviewed my XXXX account and contacted XXXX. To the best of my knowledge, this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX XXXX XXXX. I have a Neiman Marcus Store Credit Card. On XX/XX/XXXX I tried to make a online purchase and the purchase was declined, I knew that I had money available on this card. I called customer care and was told that there was a block on the card from XX/XX/XXXX because of fraudulent activity on the card. I knew this was not true because used the cared in XX/XX/XXXX to make a purchase at the Neiman Marcus store in Washington DC. This is the second time this has happened to me, the bill has been payed on time every month never been late ever since the card account was opened. Back in XX/XX/XXXX they sent me a gift card for {$50.00} for opening the account. I used the gift card and then charged my Neiman Marcus Card. I called the customer service number on the back of the card and the agent was very nasty and placed a fraudulent activity of my credit card, and this keep reoccurring. For Nieman Marcus to be a High End store there customer service is horrible, and this account doesn't fit the criteria for fraudulent because nothing fraudulent has ever occurred on this account. I am XXXX years old and this has been my worst credit card experience. Khols treats there customers better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 XXXX XXXX XXXX notified me of a debt of {$990.00} and LVNV Funding LLC notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with XXXX XXXX XXXX and LVNV Funding LLC. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Brightfunders, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my LTV ratio fell below 78 %. 

Per the Homeowners Protection Act of XX/XX/XXXX, loan servicers are required to cancel PMI automatically when LTV falls to 78 %. 

However, my lender is continuing to charge me monthly PMI. 

I spoke with the lender over the phone the week of XX/XX/XXXX to confirm PMI would automatically be cancelled and was told they would put in a request. 

I spoke to them again the week of XX/XX/XXXX and was told the request was being help up by " the bank ''. They said they would put in a rush request. 

I spoke to them a third time today, XX/XX/XXXX, and was told an appraisal would be required to drop the PMI. They confirmed my LTV is 77.1 %. 

The Homeowners Protection Act of XX/XX/XXXXis clear about PMI being automatically dropped at/below 78 %, but my lender is requiring an appraisal to do so. This does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection from XXXX under Afni Collections. I have never had a XXXX account, I have requested verification of debt multiple times from Afni, and have never received anything in regards to the verification of debt. I contacted XXXX to get information, they only gave me the account opening date and closing date. They advised I would need to reach out to the collections agency for more information. The opening date XXXX provided for the account has me as a minor. This debt is also over 7 years old based on the account closing date XXXX provided and is still being attempted for collections. I have no idea where this account came from. Even when I was a child my family never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: MD
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:
On XXXX/XXXX/XXXX I submitted an initial dispute to XXXXn requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXXT XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company places this account in collections that is being disputed because the insurance company paid my account. They currently reported this debt without contacting me or sending me notification as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2021-03-09
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has been unwilling to correct this and remove the XXXX day late from my credit reports. I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported XXXX days late to each of the three Credit Reporting agencies. It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.

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 2019-07-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I haven received calls at XXXX every morning for this week from this company ( Navient ). I explained to 3 different reps that I was homeless last month and am currently no longer living at the zip code associated with my loans and they argued with me there is nothing we can do we go by the zip code and the area code off your phone number and when I explained that I havent changed my phone number but I now live in XXXX and not XXXX therefore a different time zone they still argued with me and gave me a hostile attitude. I have only missed 2 payments and they are harassing me calling me every single day and even leaving me voicemail messages when my voicemail explicitly says not to. The harassment has to stop I can not make a payment at this time I am unemployed and I just moved into a home as I was HOMELESS and literally found out I am pregnant the day I got to AZ, and have been so sick I am unable to look for a job as the XXXX is causing me to be severely ill and dropping weight rapidly. I have XXXX other children to take care of and the fact that Navient calls me at XXXX every morning forces my daily XXXX  to begin early, therefor making me sicker for longer portions of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I called CashNetUSA on XX/XX/2019 and another day last week to ask for lower payment amounts because me and my husband separated and my daughter lost her health insurance and Im having financial hardships but they wouldnt help they asked if I needed to borrow more money. But I just wanted lower payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. 

Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. 

On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. 

I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. 

I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. 

The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). 

I am at a loss and have some frustration.

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