BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The payment servicing site for the company in question ( https : //www.fairwayindependentmc.com ) does not let you set up auto-payment but only lets you do one-time payment every month.

( 1 ) That is a complaint in itself. 
But on XX/XX/30 XXXX I entered the site to create immediate payment. It first let me pick earliest as XXXX. So I scheduled a payment. And then it allowed to create one for XXXX. So I created the needed payment ( XXXX ). But the site does not let you cancel online - So I called the customer service to ask to cancel the later payment. They assured me that it has been canceled ( 2 ) But it was not, and I was deducted twice that month ( XXXX ). That is compliant # 2 against the company whereby the customer service representatives are relaying false information on the phone. I was close to overdrawing my bank account and narrowly escaped those fees. 

Then instead of receiving a statement for XXXX which would show the above statements and if the money went towards principal. Instead I received a " Notice of Sale '' whereby only the new processing company was noted " XXXX XXXX  '' without information on loan principal transferred or loan terms or any relevant information. 
( 3 ) Complaint # 3 and final strike is when I called in to get the XXXX Statement and to ask the principal and where my last payment is. ( Had to call in because the site would not let me see the notices online. There is a link to see the notices but it would not load ever ) The customer agent could only send me XXXX statement and no payment history records for the 2 payments that were made in XXXX. I have proof with my bank that Fairway got both the payments. The agent phone call went on for 30 minutes, with no resolution to the simple question if I could be given document stating the loan amount transferred to XXXX XXXX. And no record of payment history with Fairway could be furnished. In addition, the agent stated that the additional payment has been sent to XXXX  ... without any proof. XXXX  site does not even recognize the loan number provided to me to check. 

I understand the loan transfer / resale .. and have been through many of them. But not providing adequate information is unfair. In addition, not providing easy access to payment and billing information to our own information could be the cause for people falling behind or just missing payments and having to deal with credit impact - when the companies are just not making it easy for us. 

I would be happy to provide any more information regarding this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card that I was said to have outstanding approval odds for through discover it, upon applying for the card I was denied for " insufficient credit history '', I attempted to inquire about how much credit history would be needed and they refused to answer, I am a young male, and I feel like this was an excuse to deny me for my age as I have XXXX other cards that all had no issues with my credit age and even a mortgage that didn't have any issues with credit age, yet they do, but can not tell me how much I would need. Discover needs to stop this discriminatory business practice and evaluate credit applications fairly, I have 100 % on time payments on 3 credit cards, a mortgage, a fully paid off personal loan, and a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent numerous letters for validation and verification ( the most recent being certified letters sent XX/XX/XXXX ). This company has not responded with the requested verification and validation documents but they have responded to credit bureaus as " accurate information '' when disputed on the bureaus websites. I have not received any communication from the company to the collect the debt or any way to dispute. The company is simply reporting the debt without ever having contacting me and is refusing to respond to multiple attempts at contact from me. The debt appeared on my credit reports in XX/XX/XXXX. All I ask is for proper verification and validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A request for an Unemployment Forbearance Plan was submitted on XX/XX/XXXX. The 5-month Unemployment Forbearance Plan was approved XX/XX/XXXX ( effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00} ). However, on XX/XX/XXXX a Flex Modification Trial Plan Notice was received dated XX/XX/XXXX with an effective date of XX/XX/XXXX. A borrower solicitation call was also received from Ditech on XX/XX/XXXX in which the Loss Mitigation Representative ( XXXX ext. XXXX ) indicated the loan was not on an active Unemployment Forbearance Plan and the loan was not eligible for an Unemployment Forbearance Extension. I advised the representative that the next plan payment was due XX/XX/XXXX. In addition, I advised that I was still unemployed and according to XXXX XXXX   guidelines ( D2-3.2-02 : Forbearance Plan for Unemployed Borrowers effective XX/XX/XXXX ) the Servicer ( Ditech ) must evaluate the borrower for an extension of the Unemployment Forbearance plan if the borrower remains unemployed during the final month of the Unemployment Forbearance plan. I also advised the Servicer must receive written approval from XXXX XXXX prior to offering an Unemployment Forbearance plan with an initial term longer than six months. 

Unemployment Forbearance payments : PLAN DATE DUE AMOUNT PAYMENT DATE PAYMENT AMT DATE APPLIED 01 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 02 XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX 03 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 04 XX/XX/XXXX {$390.00} XX/XX/XXXX {$420.00} XX/XX/XXXX 05 XX/XX/XXXX {$390.00} Not Due Yet *Escrow Shortage payment made XX/XX/XXXX in the amount of $ XXXX Since the initiation of the Unemployment Forbearance Plan there have been multiple servicing issues. The approval process for the forbearance plan took seven weeks to approve. Late fees were assessed although, the Fannie Mae Servicing Guide indicates the Servicer must not accrue or assess late charges to the borrower during the Unemployment Forbearance Plan ( fees finally reversed XX/XX/XXXX ). Forbearance payments ( escrow portion of scheduled payment ) were applied as a payment ( PITI ) on XX/XX/XXXX instead of being held in Unapplied Funds which will create an additional escrow shortage at the end of the Unemployment Forbearance Plan. 

It appears Ditech erroneously cancelled the Unemployment Forbearance due to the Modification Trial Plan Solicitation mailed XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

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 2023-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company Avante USA has been harassing me in regards to an account that is over XXXX  years old and was included in 2 different bankruptcy one in XXXX  an the other in XXXX the statue of limitation has well over pasted on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXX of Inquiry : XX/XX/ Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$24000.00}

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 explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''

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 2021-07-28
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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company Credco / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Yes I contacted capital one about getting few payments deferred. Would nit work with me during corona viruses. I'm also on XXXX too. Plus have XXXX too. Going thru hardship. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Cedars Business Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB, I stopped using the XXXX XXXX platform in XXXX  because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. XXXX XXXX never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the XXXX XXXX platform in XXXX  . 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$230.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX  and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST https : //cedarsbiz.com/ Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Information belongs to someone else

Complaint:
Dear Equifax, the items listed in this report need to be deleted. I was not the individual that authorized forthese inquiries to be made on my credit fi le. I ask that the items are removed to correct my credit ASAP.This has been reported to the FTC months ago and your agency has yet to remove the following inquiries.Please delete these items. 

XXXX Inquiry from XX/XX/2020. 
XXXX XXXX  Inquiry XXXX XXXX, 2020. 
XXXX XXXX Inquiry from XX/XX/2020. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: GA
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The listed address below is inaccurate and violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

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 2021-12-01
Company: Experian Information Solutions 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:
My Experian score dropped XXXX points in XXXX. It states that I have had XXXX " serious delinquent '' account, which is incorrect. My report only shows positive ( 100 % on time all accounts ), so I am unable to file a dispute. I have called and tried to submit disputes. Experian says I can't dispute a positive report. They say they can't explain why it is on my report, why my score dropped XXXX points, or how to correct it. Please advise. My Experian report is now XXXX points less than any other report and shows a delinquency with no information or account information.

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 2023-08-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX XXXX XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Along with vehicle type, make or model and/or purpose not eligible for financing as my employment is an independent contractor for XXXX XXXX. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!

Company response to consumer: Closed with explanation