BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EXPERIAN has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EXPERIAN IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EXPERIAN IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EXPERIAN SHOULD STOP VIOLATING CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! MY CREDIT WORTHINESS HAS BEEN DAMAGED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX  XXXX  XXXX XXXX {$440.00} COLLECTIONS XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. 
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. 
I believe this is an unfair treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have disputed this account multiple times with Wells Fargo, and they have continued to kick the can down the road, they respond with letters telling me they will respond, then they send me a letter demanding more information from me, when they are the ones furnishing said information. I've asked for your help before because I don't know where else to go, please help me, they are reporting incorrect information and stalling on responding. They have committed multiple violation of the FDCPA and FCRA, they still have not responded to my original dispute, they just keep stalling. I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had my loans permanently discharged because of my XXXX in XXXX. However, a parental loan I took out in XXXX for around XXXX is now being garnished from my mother social security check. She is also XXXX from a XXXX she had in XXXX. We have told them about TPD but they continue to garnish her SS check. We need help resolving this issue. They are refusing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-01
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Credit Karma, LLC
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing Credit Karma which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. Credit Karma stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: CURO Intermediate Holdings
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: AES/PHEAA
State: PA
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:
Payment count is not accurate with respect to PSLF 120 required payments, missing approximately 9 months of payments that were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NC
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2019-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As i have stated previously, this account from XXXX XXXX XXXX  XXXX as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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:
I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$1700.00}

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 explanation
Consumer complaint received 2015-04-23
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reporting in accurate information on my credit report I am in and have been in active chapter XXXX bankruptcy since XXXX XXXX. My loan was purchased by SN Servicing and since they received it they have been reporting my mortgage payments 90 days late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. They should not have been reporting my payments late as I have been paying my Trustee a month ahead and while I am protected under BK they should n't be reporting. They are now paid in full as agreed and I ca n't get an apartment or mortgage because of these negative marks. I have called them and spoke with XXXX and her Manager and they advised me to dispute through the credit agency I just need a letter stating this information they reported is inaccurate so I can obtain approval on a purchase but they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-02
Company: EQUIFAX, INC.
State: NJ
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. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 with out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Servis One, Inc., Titusville, PA Branch
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We had our mortgage thru BSI and they had contacted us and said that we could skip three payments on our mortgage to help us out. We were in the works of getting this taken care of speaking to XXXX at BSI when our mortgage got sold to XXXX in XXXX, we had a verbal contract with XXXX that we would not have to pay our Mortgage until XXXX of this year, when our mortgage got bought out he assured us that the new company would honor the same agreement. The problem is XXXX has had our mortgage for a month and a half now and are waiting on the paperwork from BSI and XXXX so they can hold up the agreement we had with BSI. I have emailed BSI askign them to send the information to XXXX but they are not responding to my emails so we are stuck in a hard spot at this point, on top of all of this they did not pay our property taxes for a year and a half so our hous is on the list to be sold for back taxes. Nice company would n't you say,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX XXXX  Home Mortgage Loan ( Loan XXXX ) serviced by Fifth Third Bank ( XXXX ). I am current in all aspects through XX/XX/20. I called the Bank to take advantage of the XXXX XXXX forbearance program today as the Coronavirus has negatively impacted my business. Fifth Third said they are NOT offering the XXXX program but put me into their deferral program. This is an ENTIRELY different program than the program offered by the Federal Agencies who own my loan ( amongst others of course ). 

Please compel my servicer to comply with this Federal Program. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 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 2016-12-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Over the last couple of years I have been struggling to get my credit back in good standings, and I have finally gotten it to the point where I 've been approved for a home loan. During the process I discovered negative information on my credit reports involving tax liens. So I got in touch with the appropriate personnel that sent letters of expungement and had liens taken off of reports. I was using XXXX XXXX services to keep track with this process of removing these items from the XXXX agencies they use, XXXX and XXXX. When they were removed my credit score went up greatly. Naturally I wanted to see the results of the other agency Experian. In XXXX, when initial credit inquiry was done by mortgage company, my credit score registered XXXX with Experian. When I was finally able to find out my new score, I was disappointed to find it at XXXX. Then while trying to get some understanding as to how my score could decrease with them and increase with the others I was unable to receive any clarity. I voiced my concerns through an online dispute, but have not had any kind of response. Thanks for giving me this platform to air concerns and complaints.

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