BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax messed up my credit report on XX/XX/XXXX. On XX/XX/XXXX there was a glitch in their reporting causing ALL of my 7 revolving accounts to not show reporting since XX/XX/XXXX and I use them every single month. My score dropped from XXXX points on XX/XX/XXXX with no reason. I have 0 utilization rate, and no new negative remarks. I opened up a case with Equifax in XXXX but am unable to get a hold of anyone on the phone because the verification doesn't work for my account. They mentioned the issue should automatically be resolved within a month from me opening my ticket. 

It's impossible to get someone on the phone because I always fail verification because they always ask me questions that aren't related to my credit profile. 

It is a 100 % glitch on their system and they confirmed the issue but nothing has been resolved. 

I have XXXX collections and XXXX public records. My score was XXXX prior to the glitch My case number that they already opened was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX company sold my mortgage loan to Selene Finance. My loan was modified under XXXX XXXX company. Selene has done the following since they purchased the loan ; 1, ) Did not honor the modification2. ) Added {$140000.00} to the balance of the loan3. ) Increased the interest rate from 3.00000 % to 7.625 % 4. ) Did not pay the real estate taxes per mortgage ( from escrow )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made several payments to the target red card in the month of XX/XX/XXXX {$60.00} payments and 1 {$30.00} payment. I have been calling since because I got confused and chose the wrong bank and 1 {$60.00} payment did not go through and 1 {$30.00} payment did not go through. Due to those payments not going through they charged me 2 {$29.00} return fee. At this point I will pay those fee because it was my error on my part, but the balance was {$210.00} since XXXX before the return payments and it does not change. I have also made another {$40.00} payment in the month of XXXX but the balance does not change. I have been calling target customer service to resolve the issue and all they do is keep transferring me to different departments and place me on hold for a long time to only hang the phone up. Today I spoke to someone that said the reason why my balance is not changing is because I had to pay the full balance every month and since I didnt my balance is correct but the {$200.00} that I have paid have not been deducted from the balance and it still shows I owe {$210.00}. Target customer service have not done anything for me at all. I have spent 40 minutes to an hour on every call I have made and I have called about 7 times in the last 2 months. They also tell me when I call they see no notes being recorded so they make it seem like I have not call at all. Please help me all I want to do is pay for the balance that is actually due and get it over with. I also would like to mention that out of frustration I closed the target red card 1 month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Franklin Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service is trying to collect a debt that I don't owe. I have submitted a dispute to through the Credit Bureaus. I have not received any correspondences from this collection agency prior to this being put on my credit report. The previous collection agency that had this account removed it from the all the credit bureaus. I have repeated stated that I have never had an account with XXXX XXXX but they continue to send this false information to the credit bureaus ruining my credit score. The collection agency is Franklin Collection Service, XXXX XXXX XXXX XXXX, XXXX, MS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My COVID-19 forbearance plan expiration is near, so I inquired the workout options available. I was requested to submit a loan assistance application for review, but the only options available are deed in lieu and sale of property. My intention to enter a forbearance plan was due to the fact that tenants residing at the subject property had been unemployed, unable to pay rent. This situation affects my ability to make mortgage payments. Without rental income throughout the forbearance period, a reinstatement or a repayment plan for the missed payments during forbearance is near impossible. 
Tenants are now able to make rent payments regularly, but payment deferral is not an option offered by SLS.

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 2016-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.

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 2021-09-27
Company: EQUIFAX, INC.
State: CA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Experian credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove 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 2016-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is 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 2022-11-20
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have submitted theses accounts that are not mine to each of the credit bureaus. I have not been able to resolve this concern at this point. My information was used without my knowledge to open these accounts. I need this matter resolved as timely as possible.

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 2015-06-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Kansas Counselors, 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:
I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Bilateral Credit Corp, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: MRS BPO, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not open XXXX XXXX XXXX  account, nor authorize my father to also open XXXX XXXX XXXX XXXX ( by using my Social Security Card ) and to a house that he also put under my name without even asking me. Restore my credit score back to the previous score, it was at XXXX, now its at XXXX. Collectors are : MRS BPO - XXXX XXXX XXXX XXXX XXXX, NJ  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
Company has been reached out to on many previous occasions in regards to reporting unverified information. I requested an investigation and have yet to be notified nor have I received a response.

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 2022-11-19
Company: SCA Collections, 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:
I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been experiencing identity theft and have filed a report with the FTC. In XXXX, I received 2 unsolicited debit cards from cash app. I immediately called the company to have then suspend activity on the accounts and close them. I had to XXXX for a phone number since I do not have the cash app or access to these accounts. They were not easy to find a number to call. I spoke with " XXXX '' in customer service who sent me an email with a few questions and a link to send photos of each card so they could cancel the accounts. I never received a response back. I would like to know that they have suspended all activity and are/will close the accounts and that they will erase my information from any site they use to service the accounts.

Company response to consumer: Closed with explanation