BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: TX
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:
I have a showing incident for my US Bank Visa card. I have stellar credit and I sent my account to all three bureaus about a 30 and 60 day delinquency from an account that was connected to the same incident.

I reported it to all three agencies and I spoke with someone at the bank that said that a note was made on my account and the delinquency would be removed based on the circumstances of the delinquency. This was a private matter and I spent months escalating to the right person to have the discussion. 

XXXX refused to remove the delinquency and when checking with the bank, when they call, the bank refuses to live up their promise to remove the delinquency. 

XXXX removed the delinquency and my score reflects that. 

XXXX refused to remove the delinquency despite multiple attempts to remove it as well. 

As an inequitable application of a promise made by the bank to remove my delinquency based on special circumstances, I have opened other banking relationships in the interim because I feel like if an employee of a bank makes a deal on an open line, then the bank should agree and make is happen.

Please make this right. I can't understand why one bureau would act properly and the others would refuse.

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 2022-09-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: The Receivable Management Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX-XXXX  previous number here is the recording of the supervisor admitting to violations set forth to protect the consumer. They lied about several attempts from me before me trying to fix this and I stated under the FDCPA they are in violation as well as I have disputed all of there stuff with the credit bureaus and sent the recording to them, to show they are in violation.

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 2017-06-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have over {$130000.00} in student loans that are split about 50/50 between between private and federal. My private student loans are then broken down into 6 separate loans which all carry different loan amounts, interest rates and minimum payments. In order to keep my account current I set up a single monthly auto-debit from my bank account that 's allocated over each of the 6 loans every month. This is the payment structure that was recommended to me by Navient representatives. If I want to change my payment plan at any point I would need to do so for all 6 of my private loans again so that the payment would be enough to cover them all. The fact the loans are for different amounts and have different interest rates does not seem to matter to Navient when dealing with making payments. If at any point down the road the payments are not made, missed, or the amount is not enough to cover all the loans, Navient will list the default by individual loan turning one issue into 6 separate issues and absolutely destroy my credit in the process. My issue, in short, is the fact that Navient will view all their payment vehicles and loan programs as if all your private loans were one big loan ... .but they 'll view any sort of negative activity or adjustment as if the loans were all separate. I do n't understand why I 'm unable to consolidate my loans because I have poor credit ; my poor credit is being caused by trying to manage all the different student loans I have listed ; and everything I do right get 's me a single " pat on the back '' while everything I do wrong costs me 6 separate lashings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed

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 2017-06-15
Company: Avid Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}.   I was initially told that the fact I missed a payment in  XXXX  I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till  XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you  are 1 or  2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business.   Please READ the contract before signing, especially if it 's AVID ACCEPTANCE!   They are worse than havin g a Student Loan!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD IN MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT ARE LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2017 I spoke with a loan officer at Quicken Loans regarding a property that I am purchasing in XXXX, DC. After discussing the available products and interest rates, I agreed to proceed with an application in order to receive a pre-approval as requested by my seller.
<P/>
I was unaware at the time of the decision that the property that I was under contract on does not qualify for a conventional mortgage from XXXX XXXX as it is a new construction condominium and those properties do not qualify for delivery to XXXX XXXX from Quicken.
<P/>
Had I known this information at the outset, I would not have proceeded with the application process for two reasons, first, I spent about an hour reviewing my credit status with the loan officer ( after which I was approved for the mortgage then rejected due to the XXXX XXXX restriction ), and second, I did not want to be adding hard credit inquiries to my credit report if there was not going to be any way of proceeding.
<P/>
After pulling my credit and completing the application, the loan officer asked about the property and knew right away that it would be a problem, which of course it was. My issue is that I received a hard inquiry for a loan that Quicken Loans will not ever approve and Quicken Loans is not willing to ask the credit agency to remove the inquiry ( which there is a process for doing but may have a financial cost to them. ) I raised this issue with Quicken Loans and was informed that while they regretted that the question of the property type was too late in the interview process to avoid the credit pull, there was nothing that they would be prepared to do to rectify the inquiry on my report which resulted in my score being immediately reduced by the credit agency.
<P/>
I am unable to recommend Quicken Loans to other consumers given a process that is punitive to people 's credit which the company is unwilling to resolve to the benefit of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2022-09-08
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance 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 explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: PA
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:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Approximately 3 wks ago, I attempted to log into my Transunion account. It did not take my user name and password. I followed the instructions to reset the password, and was supposed to received a 2nd tier verification code via e mail. I did not received the emai. I attempted several times, and called Customer Service. I was informed that it was a technical issued and try the next day. This has continued over the last three weeks. I informed Customer Serice that I would talk to Tech Support for assistance. I was assured that would happed. It has not. I need help so I can log into my account. 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 non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

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 2022-09-08
Company: Self Financial Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 my identity was compromised and used to obtain a loan with this company. I have no known knowledge of this account described above.

Company response to consumer: Closed with explanation