BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX neglected to pay a claim for damages on my vehicle that was fully insured by XXXX XXXX. Due to breach of contract for not fulfilling their duty to satisfy my claim for damages on my vehicle. They fraudulently took money from me for insurance coverage and failed to provide coverage for damages made to my vehicle. I then canceled my policy for breach of contract and then this fraudulent entity adds a collection account to my credit report.Report. Causing me more harm and damages. XXXX XXXX is not owed any money from me. I am due monies to cover my claim from XXXX XXXX. XXXX XXXX needs to erase their fraudulent collection account off of my credit reports immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Self Financial Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Self financial inc . 
secured trade line account was paid in full And should be removed Due to COVID min secured payments could not be met due to hardship. I will be seeking legal action against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I XXXX in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by Transunion, its impacted my credit score negatively.

There is something very wrong with this. I understand that Transunion and XXXX are separate companies, but with XXXX my score fell for the same reason 8 points. 
Its like Transunion is working against me and others. There is something very wrong with this picture. 
Transunion uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. Transunion has caused me great harm. I am very upset.please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Experian are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Multiple lender or creditors reported that i opened a new line of credit or an account with them when i havent. It currently says i have XXXX lines of credit when i should only have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Guild Mortgage Company LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Guild Mortgage is not helping with forbearance during covid repeated troubles with them. They refuse to be transparent in process. I wanted forbearance under CARES ACT. On their website it asks for written documents to prove need for forebearance. I was told we only need ATTEST of financial hardship under CARES act. So i never applied in beginning as of their lying website Almost impossible to reach loan servicer. Hours of waiting on hold which i think they do on purpose. Then phone hangs up many times and give up exhausted. Finally reached loan servicer who was snotty and said she can not promise if payments would be put to back of loan as I begged for and she said i may need to pay lump sum at end of forebearance which terrified me. So, frightened as to WHAT my future mortgage would BE i refused forebearance. Did not take forbearance for months as their web site has videos declaring need documents proof of exact hardship. Afraid they will foreclose. I want to put 3 months payment to end of mortgage they refuse and act very rude and make wait hold for hours. Contacting attorney general now. I can not trust Guild mortgage and heard they do this to many

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Spring Oaks Capital, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from Spring Oaks Capital , LLC. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXX Bank, which is now owned by Spring Oaks Capital SPV , LLC. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I was sent an email from Paypal , Inc. Stating that my account had been limited and I was no longer able to use their services or hold an account with them. They made the claim that I was " Selling XXXX oriented Content '' Yet I have not used the account to sell anything in years, and when I did it was never anything of a XXXX nature. Looking at my transaction history shows I haven't sold anything to anyone, I have only recieved money from family, the same two people who have been sending me money for years. Paypal in making this false claim against me has frozen all the money I have to my name for 6 months wrongfully and had made a massive inconvienience on my life. I have attempted to contact Paypal , Inc. And they refused to do anything to resolve the issue or provide me with any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello Approximately in XXXX of XXXX my husband and I wanted to modify our jumbo mortgage with HSBC. It had taken a while so we followed up about 3 months later and were told that it is still being processed. We then reached out mid XXXX and were told to wait 6 months as it was to close to our last modification. After the 6 months we submitted again, this was now the end of XXXX. It is now XX/XX/XXXX and we have locked in our new lower rate and were told it was in underwriting however today XXXX XX/XX/XXXX ) we have been told that since the home is in o family trust ( husband and myself ) that the bank HSBC was not able to do it. this makes no sense as the home has always been in our trust and we did a modification with HSBC in the past with the home in a trust. Did a new law come into effect? 
This process has been super frustrating, incredibly lengthy and as of today very disappointing. We are good customers of HSBC and have another mortgage and heloc with them as well as bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. Kindly correct this account : XXXX XXXX XXXX : {$10000.00}.

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 2021-03-12
Company: MECHANICS BANK
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made a payment, to CRB Auto/Mechanics Bank, on XX/XX/2021 for {$230.00}. When I went to pay my bill for XXXX, I noticed a late fee for {$11.00}. When I went to make sure I paid in XXXX, I discovered a " payment reversal '' on XX/XX/2021. I called the bank I used to make the payment, and was informed that at no point over the last 3 months has my balance dropped less than {$280.00}, and therefore, any such payment would not be rejected. I called Mechanics Bank on Monday, XX/XX/XXXX, to inquire as to why there was a late fee, and informed that they had called, and emailed me to inform me that my payment had been reversed. The last email I received from Mechanics Bank was on XX/XX/XXXX, confirming that I made a payment. I have no further communications, and never received a phone call. I called again on XX/XX/XXXX, and was told that I would have to pay the late fee, regardless of who is at fault. When I asked which bank account the bill was charged to, I was told they " did not have the resources in front of them '', and would have to " request it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my XXXX  XXXX XXXX Checking account, using the Bank 's XXXX online banking transfer tool. The recipient Dropdown for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the dropdown was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX dropdown was ( XXXX ) XXXX. I contacted XXXX  XXXX XXXX that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked XXXX  XXXX XXXX to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an M & T Bank account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with M & T and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XX/XX/2021 ) from the investigations Dept. at XXXX  XXXX XXXX saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
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:
My XXXX XXXX and my Synchrony credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit.

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that.

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their 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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
How can I have excellent pay history and yet such poor credit scores by only Transunion and XXXX? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both Transunion & XXXX cite this as one of the reasons of my low credit score. Transunion and XXXX are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )

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 2022-01-28
Company: Firstsource Business Process Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX # XXXX issued by XXXX XXXX XXXX It was paid. I want the debt collector Firstsource Advantage , LLC, ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) to acknowledge this on my credit reports. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT 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 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 1681s-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 explanation