BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Shellpoint Partners, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm currently trying to get a VA loan for my recently deceased Grandfather 's property. NewRez mortgage took over my current mortgage in XX/XX/XXXX. NewRez said, there would be a 60 day grace period to get payments on schedule and no late payments would go against my credit in that 60 day period. When the new company inquired about my payment history with NewRez, they responded I had a 30 day late for XX/XX/XXXX but when i call NewRez they tell me that i have no late payments and nothing late will show on my credit. i asked, NewRez to write me a letter explaining that and send to me by email so i can provide this to the new mortgage company. They are insisting they can't do that and keep sending me a payment history. Basically, they keep telling me i have no history of a 30 day late payment and nothing will go against my credit but attached is a form they supplied to the new mortgage company saying i have a 30 day late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2022- Experian I noticed two address I.D number that don't belong to me. 
Address ID # XXXX Address ID # XXXX These addresses are not on my Experian credit report. Why are these creditor reporting this on my credit report? I have attached a copy of my most resent credit report which shows my previous and present address along with the address ID 's in question.

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 2017-05-24
Company: SUN LOAN COMPANY INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to  Sun Loan  in  XXXX  Oklahoma  I took a  loan out in  XXXX    XXXX  . During this time I lived in  XXXX  Oklahoma. I did not have a vehicle at that time also. When I asked the company to let me see the paperwork the  manager  at that location told me that they could not find the paperwork. I have also disputed this on my credit report and it still has not been removed.

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 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authothize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX, trans union and XXXX to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

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 2022-04-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The scoring system makes absolutely no sense. I reduce the balance on my credit cards and my score declines?!!. The disparity between XXXX and equifax is approximately 40 to 60 points if not more. There are address ( s ) on my profile where I never resided. I applied for a credit card and what was reported was different from what Equifax has recorded. This agency reeks havoc. It is beyond horrendous. This agency needs investigation AND STRICT OVERSIGHT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Self Financial Inc.
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:
There are two accounts showing on my credit report that do not belong to me, self lender & XXXX XXXX. I contacted the companies and self said to put in a report and credit one said they are looking into it. There are also inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: TN
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/2020 i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, experian, XXXX XXXX and XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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:
My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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, account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX ,  XXXX  I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by  XXXX   XXXX ,  XXXX .   My real estate agent  XXXX   XXXX  with  XXXX   XXXX  and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed  XXXX   XXXX ,  XXXX .   This is my  XXXX  complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on  XXXX   XXXX ,  XXXX  I shall hear something back with in 60 days.   Am so fed up with Ocwen they have told my  Agent  and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of   XXXX   if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited  XXXX   XXXX ,  XXXX . Not only that but Ocwen has admitted to my agent  XXXX   XXXX  as of this year the paper work was never summited to the  Lender  instead it was with there underwriters still.   I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the  Lender in  which they are full of  XXXX .   What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from  XXXX  which is hard to understand what they are saying at times.   Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I was a victim of identity theft and followed the procedures outline by the FTC guidelines as found here : XXXX XXXX the FCRA B requires that the credit reporting agency " Block the reporting of any information ... not later than business days after the date of receipt ''. 
Experian, XXXX, XXXX have refused to acknowledge such after receiving all required documents including : proof of identity, copy of identity theft report, consumer statement, etc. 

They are playing games and keep sending me documents by mail that state that I have not provide sufficient information. This is a blatant lie. I have mailed all required identifying information required by the FCRA certified mail and have proof of sending ledgible copies. This is a tactic for stalling and not following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: KS
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:
I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance. 
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year 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 2021-01-19
Company: AES/PHEAA
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:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had been laid off from my job back in XXXX of 2015. 
I always paid my credit cards on time. However due to the lack of income I would wait until the last possible day I could before " being late '' to make each payment. None of my cards were ever paid 30 days or later. The creditors have refused to have this information removed. 
Here is the creditor info along with the months showing late -Justice ( 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 -Mid XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX ) -XXXX ( XXXX, XXXX, XXXX ) You should not be marked with a 30 day late by paying after the due date. You are ONLY 30 days late WHEN you are paying after 30 days.

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 2020-04-20
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was a full time student in XXXX and was receiving unemployment insurance benefits via mass DUA. 

I applied for an unemployment deferment and sent in the form and supporting documentation confirming my awarded benefits. 

Some months later I was told that my deferment was not processed because the information that I sent them was not sufficient. I followed up multiple times to find out what exact form from MA DUA was needed by them. I got varying answers, from agreement that the information met the requirements to denial that it was proof. I asked for follow up from a manager. Months passed ... .I never got follow-up on my issue. I called XXXX and had a conference call with Nelnet in XX/XX/XXXX, again asking to send an example of the Massachusetts form that they needed as proof. I was sent a form to reapply for an unemployment forbearance. 

I have never gotten a rational reply to why my request was rejected and in the meantime my credit is being destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has placed another companies information on my credit report. I have disputed the information and have not heard back in sixty days. I have given them documents to show the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
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 account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: MO
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/16    I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX   XXXX   I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score  on all 3 reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

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 2015-07-22
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unknown debt, no verification please remove off of my credit file

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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