BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have battled the complete incompetence of XXXX for over a year. 
I was hopeful after receiving an email from them on XX/XX/XXXX email that this unbelieveably XXXX mess wth my account and more importantly, my credit reports, would FINALLY be corrected and I could put this behind me. However, just when I think it 's not possible to make a bigger mess of things, XXXX manages to do just that! I received notification today of correction/updates to my credit reports so, with high expectations, I proceeded to pull and review the corrected credit reports. Can you even imagine the utter frustration I felt when I realized that my XXXX credit report, the XXXX bureau that had previously been correct, is now INCORRECT. XXXX, against the laws of the FCRA has been reporting a 12 1/2 year old bankruptcy to the credit bureaus. In my last correspondene to them I indicated that all but XXXX had been corrected and asked them to get that correction taken care of immediately. Because no one took the time to actually read ALL of my previous correspondence via letters and email, XXXX incorrectly REMOVED my current account with them from my credit file with XXXX ... .WHY??? The information contained in my XXXX REPORT WAS CORRECT as I had told them numerous times. XXXX NOW shows only XXXX XXXX account and it shows that account as CLOSED! In an email from XXXX they specifically indicated in paragraph XXXX : '' As a result of this conversion, you will have XXXX XXXX trade-lines ; XXXX prior to XX/XX/XXXX and the other post XX/XX/XXXX '' and that all Bankruptcy remarks on ANY accounts would be removed. 

The problem is that now my current/open account with XXXX has also been deleted. This error has lowered my XXXX credit score XXXX points!!! 

A CORRECTION NEEDS TO BE MADE IMMEDIATELY TO MY XXXX REPORT ONLY adding my current/open XXXX account back to my credit file WITH NO REMARKS!! 

**I tried to address this with XXXX directly, but I might as well have been talking to a stump! 

NO OTHER CHANGES TO ANY OTHER CREDIT BUREAUS SHOULD BE MADE! 

Please, please, please I need your help! 
Thank you! 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: FL
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 should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.

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 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter by an attorney  XXXX   XXXX  with  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  Capitol One  Bank  XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached f rom Capitol One Ba nk. Not what I requested? Nor was it any help to me.   I am going to reply to both  Capitol One a nd  XXXX   XXXX   XXXX , but have not yet done so as I am requesting help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX have been fighting to save my home from foreclosure for over two years. My financial difficulties began by the breakup of my previous marriage. After nearly {$200000.00} in loses I was able to regroup and start my life over, paying off over {$100000.00} in expenses and bills left from my marriage. I spent the better part of one year submitting the necessary documentation to modify my existing mortgage with originally XXXX XXXX XXXX, especially after a foreclosure motion was filed against my home. I hired a local attorney to represent my position, and upon review of hundreds of pages of documentation, a local judge decided that I was within my rights under the Fair Debt Collection Practices Act to modify my mortgage. For that matter, my rights to protect my home from foreclosure was violated under the Fair Debt Collection Practices Ac addendum of XX/XX/XXXX. I have since remarried, and my mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX then to Freedom Mortgage Services. My modification was approved firs by XXXX XXXX, then again by Freedom Mortgage XXXX. On XX/XX/XXXX I submitted my second approval paperwork with Freedom Mortgage Services after making my here probationary mortgage payments. Mortgage payments are still being taken from my bank account on a bi-weekly basis. Suddenly beginning this month, I stared receiving threatening messages that my home would go back into foreclosure if my modification was not signed off by my ex-wife XXXX XXXX. My relationship with her is hostile, especially after my marriage to my new wife. She will not now sign off on the modification, even though my divorce decree was filed with all three mortgage servicers along with a copy of the quit claim deed. I believe that as long as I fulfilled my probationary payments and filed notarized copies of the approved modification where XXXX XXXX was excluded, then my modification is valid and must be honored and filed with the county clerks office. I am filing this complaint stating that my rights are in violation with the Fair Debt Collection Practices Act and The Fair Credit Reporting Act. I am notifying my attorney to file a counter lawsuit based upon these violations if this last modification where I am sole responsible is finalized. No further threats of foreclosure will be accepted or tolerated. 

XXXX XXXX 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
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My dad tried depositing cash to my account on XX/XX/2019. He was told that cash can not be deposited to my account by Chase. He tried then depositing with his debit card and was told this is not allowed either and that it must be a check, money order or cashiers check. He then got a cashiers check and deposited to my account. Chase put a hold on my account that will potentially cause me a late fee and/or credit reporting issue. Had they accepted the cash I wouldnt have incurred these issues. Cash is legal tender and not accepting cash as a payment is illegal, how is this policy okay?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon moving out of my apartment, managed by  XXXX   XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to  ).  The bill clearly says not to contact the propert y manager  if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response.  XXXX   XXXX  then sent my bill to a collection agency  National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against  XXXX   XXXX  ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges.  XXXX   XXXX  is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  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
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I put a freeze on my credit report in 2009 & received a letter & pin number. Today I asked to lift the freeze and found out that I can not because Equifax ( and only Equifax ) has a middle initial of " XXXX '' in my name vs just a " XXXX ''. Equifax said I must send proof of my name and address in order to correct their mistake. I have a letter from Equifax dated in 2009 & that letter does not have the incorrect middle initial. Also, when I tried to use the online system at Equifax the system ca n't even hold XXXX middle initials. They agreed to process a lift of the freeze but that takes 5 business days & they notify me by mail. The other XXXX bureaus processed the lift immediately & sent an email response. Equifax needs to research their errors & not put the burden on the consumer. Equifax is holding up the checking of my credit standing for 5 business days plus the mailing time since they respond only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been working with Equifax to resolve several negative entries on my credit report. The problem is that some of the entries, that I dispute the origin of, have been sold to other collection companies who are also reporting the same negative entries. 
It has been difficult removing these duplicate entries because the only reply you get from Equifax after XXXX days is that they say they have verified this is " owned by you ''. They seem to be ignoring the other very pertinent information sent other than stating that the entry is disputed by the consumer. 
XXXX duplicate I asked them to remove is very obvious in that the original entry shares the exact SAME information as the entry made by the company they sold it to including dates, amounts and even the account number!! Yet the Equifax investigation I started found no problem with this duplicate entry and again just stated " we found this item belongs to you ''! This investigation took thirty days and was pointless since it ignored some very obvious facts! 
It is also very difficult to submit disputes with Equifax in that you are restricted to very few categories to enter your dispute ( For example there is no easy way to submit that a negative entry is a duplicate entry so you end up trying to guess which is the closest ) and it is is limited to XXXX characters and for some reason it rejects the use of a lot of the regular characters of punctuation ( For example the use of an exclamation point! ) and even numbers ( even though it states these are allowed )! The fact that you are not given a contact person means you are at the mercy of their very difficult and slow system and a XXXX sentence reply is not enough. To state, in your investigation " we have determined this debt belongs to you '' is insufficient when you have let them know for example : that a Cell phone company has put fraudulent charges on your bill when that same company is settling XXXX with it 's customers for that very same reason! Well they definitely " phoned in '' this investigation! 
These credit reporting agencies have a lot of power and literally hold our lives in their hands and should be held to a much higher level of accountability!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I originally collected students loan from  XXXX   XXXX  for both my   XXXX   and  XXXX  degrees at  XXXX  in  XXXX  and  XXXX , respectively. I started repaying for the first first loan in  XXXX  soon after I completed my   XXXX   XXXX    degree  and continued repaying for both loans in after completing my  XXXX  degree in  XXXX , thereby reducing the principal significantly. However, in  XXXX , due to death in the family and divorce, I had to file f or Chapter   XXXX  Bankruptcy. Even while in  Chapter   XXXX  bankruptcy, I continued paying until my debts were  discharged in    XXXX . During the time that I filed for  Chapter   XXXX ,  XXXX   XXXX  indicated to me that my loan had been paid in full by the guarantor and that my balance is {$0.00}, although per the bankruptcy requirements, I was still paying to the trustee for disbursement to  XXXX   XXXX .     Soon after my discharge in  XXXX , I was contacted by NAvient that they have bought my account and that they will be servicing my loan. however, to my astonishment, the principal balance on my loan had accrued interest and was significantly larger that the balance that I had prior to  Chapter   XXXX , which should have even been lower with the payments that I have made through the  Chapter   XXXX  period. I have tried to work it out with Navient with no success. They keep lying and providing false information. As can be seen in the attached, Payments that I made between  XXXX   XXXX  through  XXXX   XXXX  more than 10 years, have not been shown. I believe the balance on my principal is wrong, significantly inflated and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Harley Davidson Financial Services Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In  XXXX  I financed a motorcycle through  Harley Davidson Finance.  In  XXXX  the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
have complained to XXXX XXXX and filed a complaint with the XXXX 's office. This account was overcharged for usage and wireless internet access for over 9 months. Now XXXX XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past two years. Per the XXXX 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on XXXX Equifax credit reports.

Company response to consumer: Closed with explanation