BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
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: Their investigation did not fix an error on your report

Complaint:
I've sent numerous requests to Experian requesting the name and date of the person that validated information being disputed. They have yet to provide the information and these accounts must be removed from my credit file. In addition another letter was sent disputing numerous inquiries in which I did not authorize. Again, Experian has ignored my request to remove the items. Experian has allowed accounts to be placed on my report that are not mine. According to the law Experian is required to remove the accounts and DO NOT re-insert.

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 2022-03-14
Company: EQUIFAX, 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:
Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: AL
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/2022, 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 non-monetary relief
Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH XXXX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.

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 2022-07-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: GMA Investments, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received several calls from a XXXX XXXX at Summit Receivables ( I had to research and find what company ). This person /company has told my employer, my children, my parents, my spouse everything about my debt including the fact that they were going to send someone after me. My employer now knows way too much about this and she is somewhat intimidated and frightened. This is so scary. They are bullying me and threatening me and that is not okay. They left a voicemail on my little boy 's phone with everything and he is now scared I will be arrested. This is illegal and outrageous. I may owe a debt but that is no reason to involve and bully so many people.

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 2016-05-09
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.

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 2022-07-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2022, I sent a letter to Experian requesting that they validate and verify the accounts listed in the attachment. After review all 3 major credit reports I have established that the information for this accounts are inaccurate and inconsistent with each credit reporting agency. 

Experian will provide me with thorough details of the investigation of each account. Contact name, contact telephone numbers, written details etc. All pertinent information must be received within 30 days, Electronic responses will not be accepted.

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 2016-03-21
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other

Complaint:
My last XXXX or XXXX applications for credit card offered through Chase have been rejected, each time citing only that I have applied for too many cards in the past two years. This includes their Sapphire card and Explorer card for XXXX XXXX. They are not addressing total outstanding revolving debt but submissions for cards in general to all banks. After the last letter, I called and asked them to reconsider, they respectfully declined. I asked them why they are the only ones in the industry who use this criterion for declination and they could not answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There is too many transaction to count.It is affecting othee accouts. I also reieved a call from the fraud department as well but still have NOT see any of the money being credited. In mean time put be in a financi burdem on my otheraccpunta making it seem not payment being recieved. Alsoe bunch of reversal charges done on my account that makes no sense

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 shopping for a mortgage and requested a hard inquiry on XX/XX/XXXX. As a result, my Transunion score dropped by 3 pts. The following day, I had another inquiry ( XX/XX/XXXX ), but it did not affect my score. 

On XX/XX/XXXX, my score rose back up by 3 pts. due to credit line increase -- bringing it back up to XXXX. However, after I pulled my final inquiry on XX/XX/XXXX, the XXXX score went back down by 3 points from Transunion and by 2 points XXXX. 

I was told by Transunion that I have 14 days to shop for a mortgage and that it will be counted as one ( see link below ) : https : //www.transunion.com/blog/credit-advice/how-rate-shopping-can-impact-your-credit-score Nevertheless, it did, in fact, affect my score and both credit bureaus were unwilling to correct this.

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 2016-08-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2006 we refinanced our mortgage and entered into XXXX mortgage loan agreements with XXXX XXXX XXXX XXXX. The XXXX loan was for {$560000.00} at 6.375 % interest for 30 years. The first 10 years payment was to be interest only. The XXXX loan was for {$88000.00} at 8.297 % for 14 years 11 months with a balloon payment on the last month of {$69000.00}. 
The loans were subsequently sold to Washington Mutual Inc. ( WaMu ) who also sold them to Chase Home Finance, our current mortgage company. 
When we first signed with XXXX XXXX XXXX XXXX, we were made to believe that at end of the first 10 years, we would revisit the mortgage interest rates and we would be given the rates that would be prevailing at that time. So we took the gamble and hoped for the best. 
XX/XX/XXXX, which was the end of the first 10 years, we were hoping that Chase would let us know our new interest rates for the remaining loan period and we were hoping that it would be lower than the 6.375 % as the current market rates are markedly lower than what we are currently paying. When they finally called, it was to let us know that we would continue paying our mortgage at the same interest rate as we were before. 
We have struggled to keep up with the mortgage payments with the hope that at the end of ten years we stood a chance of getting a lower rate. One of us is XXXX now and is on fixed income. The one can not pay the new mortgage amounts required. If the interest rates and or the principal were reduced, we think that we could manage. 
Our house is currently underwater or upside down so none of the mortgage companies will even give is second look if we were to approach them looking to refinance. Much as we have kept up making our monthly mortgage payments, we could not refinance our loan like our neighbors did when the government offered relief to people whose homes were underwater like ours. Our loan was not owned by either XXXX or XXXX XXXX!! Some of our neighbors had their principal loan amounts reduced quite substantially and their interest rates on the revised loans cut in half! We have asked for but have received no relief from Chase! 
We have persevered rather than default on the loan as the one who is working holds government security clearance and if he/she defaulted, it would result in a loss of both clearance and employment! We are really in a catch twenty two! We have no way out other than pray to Chase for relief and mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent entity applied for a CapitalOne Bank credit card using my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK XXXX Account # 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 a 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 2022-03-14
Company: PNC Bank N.A.
State: IN
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:
Contacted XXXX to remove PNC Bank inquiry from my credit report. 

The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Franks Adjustment Bureau, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.

Company response to consumer: Closed with explanation