BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had disputed a credit company. The account was settled and paid in full. We reached an agreement that if I paid them XXXX .they would on that amount. Exerpian has it reported that I made a XXXX and that I still owe XXXX. I disputed that info and also submitted the email stating it was paid in full. They still settled with the debt company. There was another company that I disputed as well. Because they kept my account open after I relocated and the electric account was switched over it was just energy and I submitted proof I I relocated to another state they still sided with them.

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 2016-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
With experian credit reporting you are not able to resolve issues. The website will direct you to call their automated line and their automated line will direct you to use their website. I am not able to access my credit monitoring account to either cancel or view my service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: OK
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:
Contacted EQUIFAX on XXXX at XXXX pm went through all the prompts and verification once rep came on the line asked if I could be mailed an election form which pursuant to 15 USC 1681b I can elect to have my name and address excluded from any list provided by a consumer reporting agency I was told to hold on only to be put back into the que so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CONTOUR MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally applied for a mortgage loan with  Contour M ortgage in  XXXX  o f 2017. I w as prequalified by myself and at the time i did not want to add my husband. I later realized that for the type and size of house we wanted we needed to add both my husband and I on the loan. The lo an officer assured us that if he was added to the loan we could go as " high as we wanted '' ( his words exactly ). W e searched for a home and foun d one a nd asked him for a pre qualification letter on   XXXX   XXXX   , 2017 o f a certain amount on the advise of our realtor. She suggested this be done so the seller would agree to pay closing cost. The loan officer agreed. We contracted on  XXXX   XXXX  , 2017 with  a closing date of  XXXX   XXXX ,  2017 a nd a due diligence date of  XXXX ,  XXXX ,  2017 . We sent the loa n officer ev erything he needed which included     XXXX   XXXX  , bank statements and all disclosures he asked us to sign as soon as he sent them or asked for them. On  XXXX   XXXX     2017 the lo an officer informed us that I could not be on the loan because of a  XXXX  issue. ( after having this looked at by another lender this was showing clear ). The l  oan officer assured us at this time that we could proceed with this loan in just my husbands name.
As the due diligence time approached we did not hear anything from the loan officer so w  e called a day before on  XX/XX/XXXX , to see if everything is ok to close and to confirm that the appraisal was completed. The loan officer assured us everything is fine but no the appraisal has not been completed. The appraisal payment was taken from our account on  XXXX   XXXX ,  2017. It was  ordered an hour after our realtor called to ask about it on  XXXX ,  XXXX ,  2017. As the  closing date was approaching everyone involved including the seller was wondering why underwriting was n't complete. The appraisal still was not back as of  XXXX ,  XXXX ,2017. My realtor called someone in corporate to get a resolution and he confirmed that based on the income and credit report this loan has no problem being approved and assured her that he will do everything he can to speed up the process for a closing asap.     The final decision from underwriting came back on  XXXX   XXXX ,    2017. It  was denied due to insufficient income. This was not relayed to us. we had to call to get a status and that is when we were told that we did n't qualify due to not enough income for the price of the house. We still have not received a formal written denial as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have wrote to Barclay multiple times to have them remove me from their mailing list. I continuously get emails from them and have requested for them to remove me after every harassing email. I was told by the secure message center that they can not remove me from this. I do n't understand how they can not remove me. I NEVER signed up for these harassing emails in the first place so someone had to add me to this list and I want that person to remove me from the harassing emails. It is ILLEGAL to continue to send these SPAM emails to an individual after they have requested to be removed. So I will give them XXXX final chance to remove me from the mailing list. Next recourse will be to report them to the FTC and/or the state XXXX. Additionally, I will be informing my internet provider of XXXX XXXX that this company is sending out SPAM emails. And I will submit a claim and complaint every time I am sent a harassing email so that all actions are documented. Thanks.

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 2023-01-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. The PMI was finally canceled on XX/XX/XXXX. However, the servicer had taken a payment for PMI and sent it to the PMI insurer on XX/XX/XXXX. This created a shortfall in my escrow account that I will now have to pay because my unused premium has not been returned to me as of XX/XX/XXXX. I spoke with XXXX on XXXX and was told it would take an additional XXXX days to get me my refund. It is my understanding that under the XXXX XXXX XXXX of XXXX they are required to provide my unused premiums back to me within XXXX days of cancellation of the PMI with a XXXX of XXXX days. This has not happened as well I am paying for XXXX and XXXX because of the delay in processing my request. XXXX has said several times that they were backed up but that is not my problem and I am out XXXX dollars for their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
# 1. I cancelled a product protection plan from Ashley furniture and they have not fully credited my account for {$790.00}. # 2. They have not sent me any updated invoices as per changes, returns and/or credits i.e. console {$230.00} that was returned on delivery and free delivery/taxes ie ... {$8000.00} - $ XXXX $ XXXX balance that should have been {$7400.00} not {$7400.00} # 3. I get asked to wait for a resolution from the Ashley home who has never contacted me. # 4. I had to open XXXX dispute claims for the same issue with Synchrony Bank and keep getting no results because Ashley Furniture sends them false info. The last update actually indicated that my dispute was won. But No amount was credited to me on the next invoice. # 5. They have changed my disputed amount of {$290.00} to {$290.00}. 
# 6. They keep referring to purchases that were made on a different Credit MasterCard and invoice which had all returns credited to me immediately, with the original invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. 
We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: UT
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 have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX XXXX  XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to Experian, XXXX  and, XXXX  with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.

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 2021-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Servis One, Inc., Titusville, PA Branch
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. 

They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. 

I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. 

My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. 

Thank you in advance for your help. 

Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. 

I disagree with the initial charge, and also with the amount that was charged. 

I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). 

Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
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. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 ) 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 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 2020-04-11
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Experian has refused to remove from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. Experian appears to be colluding with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19.

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