BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A XXXX credit card tradeline is being listed on my credit report underExperian with account number XXXX. I was born XXXX XXXX XXXX and thisaccount was opened XXXX XXXX. I was a minor in XXXX XXXX. I was madeaware of this tradeline of being in collections status when I joined the XXXX XXXX inXXXX XXXX when they ran a credit check for my security clearance. I was deniedentering the armed forces right away based on this XXXX tradeline reportingthat is not and never was my credit card account. I contacted XXXX to rectifytheir credit bureau reporting error in XXXX and they said to me that I was lying andthat it was my credit card account. I shared with XXXX that I was only XXXX atthe time yet they did n't care. I was young and did n't know how to have their errorremoved from my credit reports. When I in-processed through XXXX XXXX financethey told me do n't worry about it that it will go away. I exited the XXXX XXXX in XXXX to go to college and had to do another credit check and the XXXX creditcard account was still there. I reached out to XXXX again and they said theyhad no records of me that I had to take it up with the credit bureaus. When I calledthe credit bureaus that were listed on my credit report they said they could n't helpme get the XXXX account removed because that I had to take it up with XXXX. In XXXX my college XXXX XXXX told me to go to XXXX todispute this account again and that if I signed up for a membership that they couldhelp me get this XXXX tradeline removed from my credit reports. In XXXX I joined XXXX saw that it was still on my credit reports. I filed adispute report on XXXX/XXXX/XXXX report # XXXX to help me get this XXXX XXXX card tradeline removed from my credit reports. I still have n't received anyhelp from XXXX to date on their reporting me having a credit card with themsince XXXX XXXX when I was a minor. XXXX is reporting this only fromExperian now. The tradeline does show that someone is making the payment as ofXXXX XXXX. The current balance is {$6800.00} with a minimum monthly payment of {$130.00} a month. With a credit limit on this tradeline of {$9100.00}. This is effecting myability to purchase a home as it is lowering my credit score due the revolvingaccount is over the 50 % limit. It is affecting me as a consumer of obtaining credit inmy name that I can actually utilize as a Washington State resident. I request thatyou please assist me in having XXXX have their credit card account removedfrom my Experian credit report immediately that is not mine. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: TX
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 have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXX-Unverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXXUnverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas 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 explanation
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
bill pd on time! XXXX reports-XXXX never late- other over 30 dys

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 2016-08-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM CURRENTLY ON HOLD WITH DITECH. I HAVE BEEN ON HOLD FOR 54 MINUTES AND IVE ALREADY SPOKEN WITH 3 DIFFERENT AGENTS WHO KEEP THROWING ME AROUND TO DIFFERENT DEPARTMENTS. 
I AM CALLING FOR STATUS ON MY LOAN MODIFICATION AND NO ONE CAN GIVE ME INFORMATION OTHER THAN I NEED TO TRANSFER YOU TO A DIFFERENT DEPARTMENT. 
I BELIEVE THAT DITECH IS UTILIZING ILLEGAL TACTICS TO CAUSE MY MODIFICATION TO FALL OUT OF REVIEW AND STEAL THE HOUSE FROM UNDERNEATH OUR FEET. 
IF THIS IS LEGAL ITS DEFINITELY NOT ETHICAL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX XXXX XXXX. 
XXXX accounts with Dept of Education XXXX with acct. number XXXX reporting inaccurately. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly. 
XXXX account with XXXX XXXX acct number 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 2016-10-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and their are unauthorized and fraudulent credit accounts and inquiries listed on my Experian credit report. The following credit accounts and inquiries listed are fraudulent and unauthorized : XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX, 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 explanation
Consumer complaint received 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
One of the credit service that I always use they always monitoring your credit and alerts you when key change to your credit, including suspicious or fraudulent activity, are detected. XXXX obtained a copy of my Transunion credit report on XXXX/XXXX/2016 from a different person who name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. In which that I never live in XXXX fl, but some how that person use my name to try to get approval for some financial with XXXX ... ..etc

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 2016-06-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a debt placed on my credit report by XXXX XXXX XXXX. Experian allowed XXXX to keep this on my record though XXXX XXXX XXXX can supply no documentation from its company or the original company, XXXX XXXX XXXX, of the debt owed or the billing practices of XXXX XXXX XXXX and its billing management corporation XXXX. 

Also, XXXX reports the original date for the account as XX/XX/XXXX, when it is actually XX/XX/XXXX. 

I was told by XXXX that this debt would remain on my credit report forever because they were going to keep it in a collection state.

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 2016-04-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my Experian credit report, my address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. 

Also, Experian continues to incorrectly report that there is a judgment against me by XXXX XXXX in the amount of {$1600.00}.

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 2016-07-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-11-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Starting in XX/XX/XXXX, I attempted to have Experian correct my report via their internet option. 
It did not work and there was no one to help me via phone. I wrote them and they took a month to respond with my report which was still wrong ( they were reporting to other credit reporting agencies that my identity had changed which it had not, which prevented banks from opening an acct for me ). I wrote them again and they still have not responded with corrections. that has prevented me from opening an acct. Neither have they corrected other incorrect info. Neither have they provided my FICO score which I have not requested for several yearsXXXX XXXXXX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
From the very first time the collection agency IQ Data International contacted my, they were very rude when talking to me. They talk down to me, constantly tell me " It 's not our fault that you did n't pay your rent, learn to pay your bills '', and say other demeaning things. They eventually stopped making contact after I continuously hung up on them when I realized who was calling and eventually stopped answering the calls. However, in an effort to clean up my credit, I have reached out to IQ Data this year in order to set up some type of payment arrangement and I was told " this is not customer service and I do n't have to be nice to you '', they never let me complete a sentence, they talk over you constantly. When I finally got them to offer something, they told me I had to pay {$800.00} and then the rest would come out of my taxes. After telling them that I ca n't afford that because I only make $ XXXX/year, I was told that 's not their problem and I need to call back when I have some money to pay. They stated that they will not work with me on making affordable payments. I do n't understand how I am supposed to pay this debt with such rude people handling the debt. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-05-22
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: AES/PHEAA
State: GA
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:
In XX/XX/XXXX I began working as a post-doc at XXXX  XXXX, which qualifies for PSLF. I have been working to get my student loan payments into PSLF and on the correct payment plan since before they even came due from grace ( XX/XX/2018 ). I managed to get PSLF status and transfer to XXXX XXXX. I paid XXXX prior to having a payment due because of the switch from XXXX. XXXX has placed my account in paid ahead status, which I requested repeatedly to have permanently removed, as this prevents payments from being counted towards PSLF ( called XX/XX/2018, agents # XXXX and XXXX ). I was told the status was removed. It was not. I paid {$60.00} in XX/XX/XXXX ( on a {$58.00} payment which showed owing nothing ). My bill is still showing paid ahead status, and in this status I can not make PSLF-qualifying payments ( at least they do not show up on my statement as qualifying, per my XX/XX/XXXX payment ). I called again today ( XX/XX/XXXX ) and was told that the status was removed previously, but the loan still shows as paid ahead for XX/XX/XXXX. I have set up to only pay the required payment for XX/XX/XXXX, but I need to pay more than the set payment as this will not cover interest and my loans will balloon. If I end up moving out of government work/PSLF-qualifying work, this will cause me to owe an insane amount of money. This should be simple, XXXX should be able to apply any extra payment to interest/principle as requested repeatedly ( I have also e-mailed via secure system twice ) and my payments should be PSLF-qualifying. They seem to be unwilling to actually do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
GC Services left messages on my answering machine stating my name and that it was in regards to a debt. I shared my cell phone with my roommates and the voice mail does not state that it belongs to me. The debt collector is also calling my cell phone without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The loans solution center for XXXX-XXXX  XXXX  warns callers that if they request forbearance it will have direct negative impact on their credit report. This warning goes against the specific wording of the cares act which states that requesting covid-19 for barents on your FHA or otherwise XXXX  protected loan will not negatively impact your credit report or history.

after 2.5 hours on the phone waiting on hold there was not a representative available at loan solution center or XXXX-XXXX  mortgage that was able to address this specific issue. 
This is a specific and direct attempt to bypass the cares act and avoid issuing GSE and FHA protected covid-19 forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: BB&T CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is an 18 month interest free loan for 18 mos. 
The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. 
Previous case # XXXX. 
They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. 
Instead I am being charged {$180.00} interest per month.

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 2016-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX I was fraudulantly foreclosed on and have a judgement in the XXXX district court house XXXX by Bank of New York!. I assume forgery involved and the person may have even appeared in court. I never even got a late notice from my lender and the laws are 90 day notice for sale of mortgage and under the same terms!. My lawyer XXXX in the XXXX XXXX office witnessed the mortgage I signed my bank requested him! XXXX, XXXX. XXXX and I had forwarding mail and all in XXXX! Even the tax office knew my new address!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.

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