BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A fellow Co worker, Used my information to buy a car. I am a nurse and a Patient with the Company that I work for so that Nurse " XXXX XXXX '' used my personal information with out my knowledge and There are several creditors that are calling one particular number XXXX Claiming that I owe them funds or if I know where to reach XXXX. I have advised XXXX that I did not authorize for my information to be used, yet they cont. to call. XXXX would be able to access all of my information through a company application that stores all patients demographics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-23
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions.

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have consistently had credit issues due to my credit information being incorrect. I 've disputed items on several occasions only to have them reoccur again and I am extremely upset and fed up with this problem. I have a XXXX sister who 's name is similar to mine and social security number that is similar as well. Under my reports is all of my information and hers as well. This includes her married last name and maiden name, all of her previous addresses, her car loan information, credit cards, school loans, and phone bills all under my acct. I 've explicitly stated our social security numbers need to be separated indefinitely it is ruining the way I am trying to live my life. I 've been refused phone contracts for this and credit cards. More recently XX/XX/XXXX, unrelated to mixing up my sisters and my personal information, I was refused gas/light service in my name for my first apartment due to my name being used for a gas and light bill while I was away at college in XX/XX/XXXX. The company, XXXX, now wants me to do my own investigative work before I can successfully put these much needed utilities in my own name, which could take months. My move in date by the way is in less than 2 weeks. It 's completely absurd and if I could sue the credit bureaus I would for time and continuous pain and suffering.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: ERC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

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 2015-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX agreed to remove collection from file if I paid bill in full. They agreed to report it to all XXXX Credit Reporting Agencies. XXXX and XXXX removed with no issue in 7 days. Equafax refuses stating that they have recieved no such request. However, they lowered my score because I paid debt. I also paid off auto loan and personal loan. XXXX and XXXX both show correctly. Equafax does not. Equafax lowered my credit score for paying both loans off and used excuse that deliequent bill caused problem. I gave Equafax all info including email on XXXX telling them to remove bill. Equafax refuses. This should be illegal to do harm to someones credit for paying off loans and Bills. Also, persons on phone are outsourced to XXXX and had difficulty understanding my issue. Person became angry when I requested they correct their error. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: AES/PHEAA
State: NJ
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 consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MD
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 files three disputes with Equifax on two different accounts at the same financial institution, BOTH WITH supporting documentation from the institution certifying the accounts were paid off in full and closed. 

On the first occasion, the dispute result date of XX/XX/2022, states that the account has been updated, however, there was not change to my report. I figured it would update when I requested ( and paid {$34.00} ) for a new report..no change. I submitted another dispute for now both accounts ( that were paid in full on XX/XX/2022 and XX/XX/XXXX respectively ), to be updated and their dispute results received on XX/XX/XXXX stated that it was updated, again with no change to my report. 

I submitted the disputes AGAIN, with the same documentation that day. XXXX ( XX/XX/2022 ) dispute results read The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Once again, if they have the acknowledgment acknowledgment from the institution stating that both accounts are paid in full, and they certified that documentation with the institution, how can they say it is still accurate to report a balance and they account as open???? 

Ive exhausted efforts with that credit bureau, and opened a dispute with XXXX XXXX for the same account reporting errors, and it is in pendingstatus. Additionally, Ive opened up a complaint/dispute with the financial institution so that they can get with Equifax/reporting agencies directly. Positive information shouldnt be this hard to get updated, when the negative impacts are reporting at lightning speed.

Company response to consumer: Closed with explanation