BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My account with XXXX was tied to the filing date of my ex-wifes bankruptcy. I disputed the date which was updated however they also changed the date of first delinquency ( re-aged ) from XXXX to XXXX in the process. I spoke with XXXX who confirmed that the date was updated incorrectly and they agreed to put through the correction. After the correction did not post I called Equifax who confirmed that the account was re-aged but the correction was not showing. I then contacted XXXX again and worked with them for several hours including a joint conference call with XXXX and XXXX XXXX XXXX Customer Service department which still did not fix the issue. XXXX confirmed that all the information in their system reflects the XXXX date of first delinquency but it is not updating on my credit report. I was then advised to dispute the account again which i did and XXXX responded by saying the information in their system is correct ( XXXX ) but still lists XXXX on my credit report. At this point XXXX is saying there is nothing else they can do and Equifax 's only suggestion is to keep disputing the account. As the 7 year period on this account has passed and the account has already fallen off of XXXX and XXXX, I want the account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for the Apple Card in good faith because of the advertisement I received stating my credit match the approval. Unfortunately I was denied and the description of my denial is a violation of the Equal Credit Opportunity Act 15 USC 1691.

I have attatched the denial letter as proof I was discriminated aginst and can hold your company civilly liable under 15 Usc 1692k for violation of 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TN
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 to privacy and confidentiality under USC1681. 
XXXX XXXX XXXX XXXX ~XXXX XXXX XXXXXXXX XXXX ~XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXXXXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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 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 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to check on my credit history and I noticed that several credit cards have been opened under my name. I called the credit cards and I have no recollection of ever having these cards. I need this accounts to be removed off my credit report history from all three credit reporting agencies immediately. I'm in the process of applying for a mortgage and this will ruin my chances of getting the home that I need for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I keep disputing XXXX particular accounts with Equifax that have not yet been resolved to my satisfaction. The XXXX account is a collection account with XXXX XXXX XXXX. Initially when I first saw this item on my credit report, I was unfamiliar with it and almost 100 % sure that I had never dealt with this company before. However, I just went ahead and paid it. This account was paid over the phone by credit card to XXXX XXXX on XXXX XXXX. The amount was {$75.00}, however I paid an additional {$9.00} fee due to the fact I used my debit card. A grand total of {$84.00} was paid. I was assured that this would take care of the debt and the account would be deleted from my Equifax credit file. Unfortunately, it has been over 2 months and this item still reports as an unpaid collection account. I have disputed this item at least twice yet it is remaining unchanged. I have my bank statement and a receipt from the company proving that this account was paid in full. The next item that I have disputed multiple times without resolve is with XXXX. This account is also a collection account. There are several issues with this account. First, this account was removed last year but was reinserted on all XXXX credit files. Secondly, I knew nothing of this collection account until I started doing credit monitoring using XXXX XXXX. I was not familiar with the collection agency or original creditor nor had I ever been contacted by either. I later researched this account by tracking down and contacting the original creditor to determine if this was in fact a valid debt. Upon contacting the original creditor, I did determine that the debt was valid and immediately made payment to the original creditor by phone. Upon a closer look by the representative for XXXX XXXX, it was found that they had the wrong address and phone number for me that is why a debt from XXXX slipped through the cracks. When I was in XXXX, I had so many doctors coming in and out who were not my doctors but they still had fees for providing care to me. This is what caused me to question what was being reported on my credit report. Nevertheless, once I paid the {$210.00} over the phone to the original creditor, I contacted the collection agency and notified them of the payment. I dealt with a very rude woman who did not seem happy that I paid the original creditor. As a precaution, when I saw no changes, I disputed this account information. I even attached a file that contained the receipt from the original creditor. XXXX and XXXX deleted the account but it was still reporting as unpaid on Equifax end. I disputed again but the online system was having issues with my attachment ( receipt ), so I submitted it without the recipt. This time it was updated to paid. However, this account should have been removed from my file because it was reinserted and I had no dealings with the collection agency. This account was removed in XXXX of XXXX and reinserted XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone is using my name and tried to open up an account with your company.

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 2015-05-12
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continually getting automated calls asking for a person by the name of XXXX XXXX. She does not live/work here and they call numerous times a day with no way to stop the calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''

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 2016-03-22
Company: MIDFIRST BANK
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?

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 2016-07-08
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.

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 2016-05-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Mid Continent Credit Services, Inc
State: KS
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:
In XX/XX/XXXX I had Internet service with XXXX XXXX out of XXXX, KS. Until I terminated service with XXXX and mailed the leased cable modem and equipment back to them. 
In XX/XX/XXXX I was contacted by a collection service affiliated with XXXX called MID CNT CRSV. They demanded payment for the modem and I explained that it was mailed to them and that they needed to check with XXXX to confirm this. Their response was " that is not our problem we can only give you the option of paying the full amount, or we will keep this on your credit report '' After a year to avoid negative credit effects I offered {$75.00} to settle the account. MID CNT CRSV refused and said they would only accept full payment to remove the information. 

It has now been over 8 years since I canceled service with XXXX and over 7 years since this charge was listed on my credit. I currently have a XXXX credit score and in all those years I have never had an open account in collections from any company. I believe XXXX and MID CNT CRSV are working together and using bully tactics by threatening to continue reporting old accounts so that they continue to damage credit scores in order to retrieve funds whether they are legitimate or not from past customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've had nothing but poor service. I get statements that are incorrect, I get statements that ca n't be deciphered, I get undocumented phone calls and requests that never go through. I 've been put in delinquency twice after being told twice over 5 months that my forebearance while my new payment plan is being approved would go through. I 've requested forebearance during this time over the phone and email. I 've been told my public forgiveness did n't count for a year because of cents being miscalculated in my payment while nobody told me. I 've been through the ringer so many times that a customer care agent was assigned to me who never responded after about a month. I 've complained so many times without even a response. I 've tried Ombundsman without any success. This company is completely incompetent at everything they do and I do n't trust them one bit with my money. The communication is terrible at best, the responses are even worse, and the amount of mistakes they make that can lead to severe financial problems is astounding. The fact this company still runs is amazing to me. I 've requested several times to have my money transferred to a different servicer without any luck which is fundamentally absurd. I can go on and on and on. I want something to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo had charged staggering fees in all my checking and savings, loan accounts since XXXX or 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