BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: Harvard Collections, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent the affidavit as requested from the company XXXX XXXX services due to incorrect debt on my credit report. I reported that my identity had to be stolen because I have never lived in Florida. I sent the affidavit by certified mail # XXXX and have not yet received a response from the company XXXX XXXX Services. In addition, I had to pay for this affidavit {$80.00} when it was not my fault and I expect to receive an reimbursement on my money and most important update my credit report by removing the debt that does not belong to me. 

Below the explanation I sent from the original dispute XXXX : I am reviewing my credit report and notice that I have a collection on my Equifax credit report from a collection company named " XXXX ''. Based on the information I see on the credit report it has to do with a home or apt rent or fee at " XXXX ''. I googled the information and it is from Florida. I have never lived in Florida and I never have given authorization to anyone to use my credit information. I have been living in XXXX XXXX for the last 28 years. My address for the last 13 years is XXXX XXXX XXXX XXXX XXXX and the other home I lived was with my parents at XXXX XXXX XXXX XXXX XXXX XXXX, both address are from XXXX XXXX XXXX. I would appreciate that this is investigated and removed immediately from my credit report and the person who stole my identity to be held accountable for fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
THE PROBLEM : Neither XXXX XXXX nor Capital One will correctly report my payments to all three credit bureaus.. 

For two years now and to date, I have been working with Cambridge Credit Counseling ServiceXXXX to pay off loans with XXXX XXXX and Capital One. Proof attached. Cambridge is unable to get them to correct the reporting, so I am coming to you for help so my credit score will improve, and I'll be able to move ahead with my plans to enter real estate investing with an excellent credit score for better interest and approval rates. I've tried on my own to work with all three credit bureaus, no success. Can you help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Greetings, Fedloan account numberXXXX XXXX XXXX You may want to review a closed file/complaint fromXX/XX/XXXX I've had my student loan debt IN the Public Service Forgiveness Loan Program for 15 plus yars. Of course PHEAA and it's subsidiaries can'at find my records. 
The latest is I was required to recertify my income contingency repayment plan in XX/XX/2021... their result/decision is that I must now pay XXXX $ plus change per month. 
This is a contract violation and I don't care how they want to reword it. 
The purpose of the PSFL is for me to give service in leiu of monies.

This new requirement is a violation of my PSFL contract. I think, no, I KNOW I want to be a party to any group that sues PHEAA/FedLoan and any/all other entities, subcontractors, child corporation of the parent corporation of pheaa/fedloan for breakingtheir contract with me. 
IF they had demanded a XXXX $ /month payment almost 30 years ago, this debt would have been paid off. As if their history, once you make this payment, they begin to torque the monthly payment up " at whim ''. 
I'm too poor, old and ill to make this kind of a monthly payment. 
Please intercede for so many that give their time and energy into the PSFL and now are illegally demanded to provide monies as well. 

Thank You in Advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is ignoring my numerous requests to investigate and remove two accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/20 at approximately XXXX XXXX, I received a phone call from XXXX XXXX, the representative asked if I was XXXX and I asked who is calling he stated his name. I asked if he was a third party debt collector attempting to collect a debt and he kept asking me if I was XXXX. when asking who or what company is this, he said, Transworld Systems Inc. 

Also I asked him if he was a third party debt collector attempting to collect on a debt and he refused to provide that information. 

According to The Fair Debt Collections Practices Act ( FDCPA ) a debt collector is required to disclose during the call, that they are third party debt collector, attempting to collect on a debt and the above agency failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage on my house for over 20 years, and have always paid faithfully each month to Chase Bank which succeeded to my mortgage after the XXXX  financial crisis. I have never had an escrow account. I pay my own real estate taxes. I always paid $ XXXX, and my XXXX XXXX XXXX monthly bill was for this amount, {$940.00}. Then all of a sudden, I received a new bill from Chase saying they had reviewed my " escrow account '', which I never had, and increasing the monthly bill to {$1700.00}. They said they were doing this because they were paying my real estate taxes, which I did not know. This past summer, Chase contacted me and said I had missed a real estate tax payment to my Town. I called my town and they said I had not missed any payments and I was current on my real estate taxes. I called Chase several times and spoke with them, so there is a record at Chase for what I am now saying, and they agreed they had made an error, and that I was up to date on my real estate taxes. So what has just happened is a total surprise to me, and I had no notice of what Chase was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: IN
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$5400.00} / XX/XX/2022

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 2022-04-29
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: Information belongs to someone else

Complaint:
Someone has an access on my personal information. I have no knowledge of what and who this could be

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/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 : It also states a consumer reporting agency 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 non-monetary relief
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several fraudulent inquiries and derogatory items on my credit report.

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 2021-12-13
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: Their investigation did not fix an error on your report

Complaint:
I am having a major problem with Experian. I was a victim of identity theft in 2016. I sent a request to all XXXX bureaus requesting these fraudulent accounts be blocked from my report. I filed a police report, FTC Affidavit and sent all that in. XXXX and XXXX quickly determined fraud and blocked the accounts. Experian is a different story. You can not get anyone on the phone to help you. Unless youre buying one of their products, you get transferred in an endless loop. This happened to me 5 times with the number of times being transferred varied from 10,12, and 8. I communicated with them by mail and by fax. I didnt even get an acknowledgement of receipt. Furthermore, I paid off my credit cards and loan with credit union recently and it reflected on my XXXX score, XXXX and XXXX. Experian remains unchanged. Their headquarters is not even in the United States. They will NOT transfer you to a manager, will not have one call you back, will not give out an executive information. It is the worst customer service I have ever received and this from a consumer credit reporting agency. This really needs to be investigated. How can they be so careless?

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 2017-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Who is monitoring how they decide on our credit rating? I do not understand how I can get denied for numerous car loans because of hard credit checks ( per equifax agent ) which where from the car loan inquiries. How can they be allowed to destroy a persons credit without being regulated. My boyfriend has a better credit rating and he filed bankruptcy a few years ago and all I have is XXXX medical bills that I am paying on in collections and I have a credit account in excellent standing. How does that make me a risk for a car loan? Seems to me the credit industry is in there pocket. Maybe they intentionally give us low scores so the credit industry can hike our interest percentage. The worse your credit the higher they can hike your percentage. See attached credit report from XXXX and tell me how I am a risk for a car loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested that Experian prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have sent letters after letters everything has came back verify they supposed to support me with the verify documents by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am currently on a repayment plan agreement with my mortgage company Loan Depot. I have been given misleading information by several customer service works within the last month. Basically lied too. On XX/XX/2019 I spoke with three different people and they all  told me different things. I spoke with a Mz. XXXX employee ID # XXXX, she was some what helpful. My issue is mainly with the rude woman I spoke with before Mz. XXXX. Mz. XXXX, she refused To give me me employee ID number. She my husband that if he did not make his payment by the XXXX that the payment would be cancel and Nolan void, when I spoke to Mz. XXXX She told me I had a 30 day grace period to make the payment and that it would not be Nolan void. Im very confuse how one agent was so definite that my payment arrangement would be broken and canceled and the other one wasnt, how one agent was helpful and the other one was not. Also I was told that I dont have the right to have my husband on a three-way call when speaking to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a consumer has the right to request validation of debt pursuant to 15 USC 1692g. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices, Act, 15 USC 1692g stating that your claim is disputed and validation is requested. This is not a proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evident that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both Federal and State Laws. Please provide proper documentation as requested int he following declaration. 

Pursuant to 15 USC I am notifying you that I refuse to pay this alleged debt and I am demanding that you cease and desist communication with me through any and all mediums.

Company response to consumer: Closed with non-monetary relief