BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: Radius Global Solutions LLC
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: Old information reappears or never goes away

Complaint:
XXXX, the XXXX. XXXXXXXX XXXX XXXX XXXX charged off a credit card account and assigned it to Radius Global Solutions. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the XXXX XXXX Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.

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 2022-08-31
Company: AFNI INC.
State: FL
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:
Dear Sir or Madam : I've had my identity stolen. There is nothing on my credit record that pertains to any of the purchases I've made. It's because someone stole my identity and used it without mypermission. Because I filed a complaint with the FTC about identity theft, here is a copy of that report. Please remove this from my credit record and notify the relevant parties. 

Your help will be highly appreciated on this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX Equifax and XXXX regarding the incorrect information being reported on my credit file it has been well over 30 days and I have not been given any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Report : CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$290.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$72.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$220.00} CREDIT COLL ( Original Creditor : XXXX ) -XXXX-Balance {$86.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX {$670.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$1100.00} CREDIT COLL ( Original Creditor XXXX XXXX ) XXXX-Balance {$110.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial is giving inconsistent information regarding refunds for federal student loan payments made during the pandemic. They are quoting 150+ days to get a refund for those payments. I understand that they are overwhelmed with requests, but so is every other federal loan servicer. Other loan servicers, such as XXXX, are only quoting up to 90 days to get a refund. EdFinancial also refuses to tell me at what point my balance will be reinstated even though I have called multiple times asking. I even asked at what point it would be reinstated if it was not such a busy time for them, and the rep refused to tell me. Since each lender is getting an influx of requests for refunds, they should all have similar wait times. EdFinancial 's wait time is twice as long as any other lender and they refuse to send any confirmation emails or answer general questions about how these processes usually go. This is unacceptable as many borrowers diligently made payments during the pandemic and need their balance reinstated before their loan balances are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Frost-Arnett Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2021, I had XXXX ER visits to XXXX XXXX XXXX ( XXXX, OH ). The debt ( about {$2000.00} ) went into collection last year but I paid and settled the debt ( around {$1300.00} ) with XXXX XXXX XXXX on XXXX/XXXX/2021. I have a screenshot of my bank statement. 

Another debt collector XXXX XXXX has been calling me and sending me mail about the same debt. I told one of their reps on the phone that I paid it off last year. I just checked my credit score and they put two delinquencies on my account for the debt that I have already paid. XXXX accounts ( for the XXXX ER visits ) for about {$1100.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.

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 2022-08-31
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX 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 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 2022-08-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been requesting for last XXXX weeks from Chase XXXX things and being told they cant provide. 

XXXX changing from draw period to repayment period inXX/XX/XXXX. I have been requesting from Chase ( for the last XXXX weeks } for a amortization schedule for payments fromXX/XX/XXXXuntil XXXX which will show how much is going to be applied toward principal and interest. Refuses to give. 

Requested how monthly payment is broken down into principal and interest. Language in Note states " repayment period will be the principal balance divided by the number of payments remaining plus the interest accrued for the billing cycle. '' I have requested what language is used with the amortization of a " normal '' loan and why payments are not the same. When I put loan information into financial calculator I get a different payment than Chase does. 

Chase is taking XXXX principal balance and dividing by XXXX months and then adding interest by taking principal amount XXXX and multiplying by interest rate which is currently XXXX and then dividing by XXXX days to get a daily interest amount and then multiply by how many days are in month. The monthly payment is approximately XXXX per Chase When I put into my XXXX or any amortization schedule online if I put in a principal balance of XXXX and an interest rate of XXXX and a XXXX year term. The payment comes out to XXXX per month. 

I just want to have in writing from Chase the language for both ( my variable note and a fixed rate loan and why they are using one calculation versus the other. 


I know my loan is a variable interest rate and has been so for last XXXX years during draw. period. The loan will continue to be variable for next XXXX years during repayment period but Chase should be able to tell me both of these things in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 2022-08-31
Company: EQUIFAX, 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Personal information incorrect

Complaint:
My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ERC
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 XXXX  Accounts : Creditor XXXX XXXX opened on XXXX XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount XXXX Creditor : XXXX XXXX opened on XX/XX/XXXX Amount XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: WI
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:
I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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/XXXX  I 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. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2018-05-03
Company: Convergent Resources, Inc.
State: NJ
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 viewed my credit report and found an error on it with a collection company XXXX XXXX saying I owe {$10000.00} in which I know nothing of and this would be some sort of error on my report. I wrote the company in XX/XX/2018 and they never responded to my dispute. This item is reported on XXXX and XXXX and is affecting my credit scores. I would really like for this error to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ALLY FINANCIAL INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-08-31
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received my Vanilla gift card for my birthday in XX/XX/2022 in the amount of XXXX When I went to use it I found out there was approximately around XXXX available. I immediately went on the Vanilla site and investigated the charges and to my findings I saw that someone had stolen the card number and made all purchase for equipment in one day. 

I called Vanilla and they told me to fill out paperwork and send it in. I did exactly that 100 days ago. I was informed it can take up to 90 days for them to do their research. I called a few times in between and still no updates. Their customer service just recites words like they are reading a script. 

Then on XX/XX/2022 I received an email stating a new replacement card was sent out and to give it 10 days to receive. The card never came. I emailed them three times and no one replies. Today, XX/XX/2022 I called and gave my claim number XXXX and was informed that this case is still ongoing and no card was ever mailed out. This is the worst customer service and they lie to you. They probably never intend to give me back my gift card and just will continue to drag this out. Plus I have to keep correcting my information every time I call because no one pays attention to the details I submitted. 

At this point I do not trust Vanilla any longer and will never ever get a gift card from them. I just want my money that belongs to me. Please help me. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation