BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have called them back multiple times and they hung the phone up in my face or they told me that I needed to verify my account and provide them with my address or other identifying information. I called back on Thursday, XX/XX/XXXX and spoke to XXXX and I informed her that I was making a complaint to the National Do Not Call Registry and to please stop calling me and she simply okay you have a nice day. I said cease and desist and once again she said okay have a nice day and the call concluded. They have called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX at XXXX XXXX, XX/XX/XXXX at XXXX am, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Those are just some of the call logs that I haven't deleted from my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: AR
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:
My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 had this account since  XXXX   XXXX . I always  ( ALWAYS ) m ade on-line payments through my bank -  XXXX   XXXX  . USAA  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  USAA  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  USAA , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: WA
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 disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days

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 2020-02-27
Company: SIMM Associates, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received my first letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX saying that I owed my XXXX account {$58.00} and that I had 30 days to pay this amount. I called my XXXX account and they I spoke to an agent named XXXX and he said I did not have any outstanding bills and that he would check into it. I never heard anything more so I filed the letter away. 
Then on XX/XX/2019 I received another letter this time from a company called SIMM Associates , inc . They said I am responsible for the amount of {$58.00} When I called them to find out what it was about the women on the phone had me verify my name, address, and she wanted me to do my email address next and it did not match! So we could not go any further and she was not any help. I told her it was a mistake and she said she could not help me. So then I decided to do some more investigating on my own. I ended up calling XXXX and found out that some used my name sold something to someone took the money and never gave the person anything! I have never sold anything on XXXX! So How can you help me. I reported this to Identiy theft.gov. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf  XXXX   XXXX  to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at  XXXX , but also told they were closed at   XXXX   cst ( it was  XXXX  cst when I first called Discover  ) . Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  Discover  rep and they were n't aware of the cos or if the management of my account has been transferred from  Discover  to  XXXX .     I submitted a complaint to the CFPB ( complaint #  XXXX  ) and requested a cease and desist all calls to me or to my father by  XXXX   XXXX  or any authorized agent of  Discover  UNTIL I get a satisfactory resolution as to the following :  1  ) status of account ;  2  ) access to my account online ;  3  ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover.     I received a response from  XXXX , but never from  Discover  Card. Today  XXXX   XXXX ,   XXXX  , I received in the mail a notice from   XXXX   XXXX   XXXX   that they are representing Discover Card and indicated in that letter that I had requested no further communication from  Discover  Card. As indicated in my complaint  XXXX , I requested no communication until  3  resolutions were satisfied. Obviously,  Discover Card  misinterpreted my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card  with Comenity/  XXXX   XXXX  was used at  XXXX   XXXX    XXXX    XXXX  on  XXXX   XXXX ,    2016 by  someone other than me. They told me that it is actually  XXXX  charges made one right after the other on the card and then shown on the card as  XXXX  charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in  XXXX   XXXX   XXXX   XXXX  ever and did not make any charges. I also explained that I was in   XXXX   that day  (  same shopping center ) and bought something and as always in  XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in  XXXX  and the first time, there were charges on my card from  XXXX   XXXX  area directly after I used my card in  XXXX   XXXX  FL. I was n't  XXXX  places at the same time  XXXX  miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that  XXXX  chgs made one after the other became  XXXX  charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After speaking with the lenders legal counsel today they confirmed  ocwen  received the QWR - NOE - TPA on  XXXX / XXXX /  XXXX   and has not submitted a request for postponement in order to validate the debt owed and allow the homeowner to make arrangements.     Their legal counsel received a 5 day notice of error and has failed to cancel the sale.

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Please see complaint ID XXXX. This is my second complaint with Transunion on this exact same issue. The company responded on XX/XX/XXXX that the late payments on XX/XX/XXXX and XX/XX/XXXX for the XXXX account in question were to be removed. They did remove them and updated my credit report. Then on XX/XX/XXXX those late payments were added back on. We are closing on a home in a little over 30 days and need this to be permanently taken care of. We have spoken to XXXX, and they say that Transunion is reporting this. Then we call Transunion and they say XXXX is reporting this. Please update.

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 2022-04-03
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022 - Equifax, XXXX and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is reporting 10 months of no information on my account with  XXXX   XXXX  vehicle loan. Equifax intentionally removed the  ten  months of payment history in an attempt to lower my credit score. Equifax previously did the same thing in    2016  and was only corrected after I filed a complaint with CFPB case number  XXXX . I contacted  XXXX   XXXX  to advise them of this problem and they advised that they would reach out to Equifax. Please see attached email chain. I am having the same problem with Equifax with another vehicle loan I have that is with  XXXX   XXXX . There is  twelve  months of payment history missing from that account. Once again this is a deliberate act to ensure that my score stays low. I work hard to pay my bills and should not be intentionally harassed by Equifax who is suppose to be an independent reporting agency.   XXXX   and  XXXX  have both accounts reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a response from a prior complaint. However, it is not adequate.  AES  has offered options for repayment that are n't feasible. For instance, the  XXXX   XXXX  has a monthly payment of {$560.00} per month. The only option they have made available would lower the monthly payment to {$480.00} per month for a short period, then increase the plan back to {$560.00}. This is not a helpful solution, especially in the short term. Moreover, they have already offered this several times when I 've asked for assistance ; each time, I 've told them how this reduction was not going to be of any help. The  XXXX  loan is more reasonable -- I have submitted the application for a Long Term Loan Modification, and if that is approved, that 's a fantastic option and I would have no further issues with those loans. But I can not continue to pay {$1000.00} a month in private student loans -- this literally leaves zero room for error. I can not afford health insurance, I can not save for a rainy day -- I have  zero  extra income for ordinary or unanticipated expenses that  may  arise. Since I 'm current on the payments, they wo n't work with me. It seems absurd to be punished for making payments on time, and to only be eligible to work out a different arrangement if I stop making payments and destroy my credit -- as well as that of my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went online to get a free annual credit report from Experian. I paid {$1.00} on  XXXX   XXXX ,    2017 to  buy my FICO score the same online session. A few days ago, I called my credit card company to ask an unrelated question, and was told about a charge of {$23.00} from Experian (  XXXX . ) I called Experian to dispute this, and was told it was for a membership to their compan y Protect My ID . This is weird on more than one level. I already have been getting a complimentary report from some company, who know? My account has been hacked from  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and even through my payment for my husband 's hospital. ( I right clicked the last emailed Protect My ID so that I could find the original source, or who Experian was sending on behalf of, but there was only an " Anonymous '' as a source with that page. ) Why would I even need an Experian protection source? I have received those for months, and when I asked Experian, the  CSR said they do n't know who is paying. SCAM! The CSR said I could stop the membership they charged on my account, but I will not get the money back! SCAM AGAIN! She said when I bought the FICO score, that that was how they got my credit card info. I was supposed to cancel the charge I did not even know I was making within 7 days, or it would stay. SCAM! The culture of the day is for companies to send recei pts by email if bought online. I received no confirmation email about the charge for this product. They purposely, I believe, do not want people to know what they have charged.

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 monetary relief
Consumer complaint received 2020-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A home equity line of credit that I had opened with XXXX XXXX was transferred to Rushmore Loan Management in XXXX. 

Toward the end of XXXX, specifically on XX/XX/XXXX, I attempted to pay off the outstanding balance at Rushmore by sending a payment using Rushmore 's online payment system for the full amount of the outstanding balance shown on the mailed statement I received a few days prior. 

In early XXXX, I received another statement indicating that a service fee of {$20.00} had been charged to the account ( though apparently it was being charged later than the statement date, on XX/XX/XXXX ), and indicating that a total outstanding balance of {$20.00} was still on the account. 

On XX/XX/XXXX, I called Rushmore to get clarification, and was told that the service fee was just the annual fee for the account. I then asked for confirmation from the representative that making a payment through the website of the total outstanding balance, {$20.00}, would XXXX  out the account. The representative confirmed this. 

In early XXXX I received another statement from Rushmore indicating that the {$20.00} payment was not being applied until late XXXX - later than the account statement even through that payment had been sent on XX/XX/XXXX - and that a {$4.00} interest amount was being charged to the account. 

I attempted to call in for clarification again and was told not only that they couldn't provide more details, but that there was a {$4.00} amount due, and that they could not send a payoff and account closure without both myself and my wife - who is also on the account - faxing or mailing in a request form of some sort requesting a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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:
To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: CA
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:
My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have wells fargo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft 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 2017-06-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.

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