BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Selene Finance refused to give me a loan modification, stating that, they would not because of an upcoming sale of my home, which then violated my homeowners bill of rights. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. 
They tried to speak to Selene Finance on my behalf. When applying for a loan modification through XXXX XXXX XXXX Selene Finance came back with a payment of {$4000.00} a month as a new mortgage payment when they know that is entirely out of my reach. 
XXXX XXXX XXXX XXXX XXXX XXXX then directed me to speak with an attorney at XXXX XXXX XXXX XXXX which is a part of XXXX XXXX XXXX XXXX XXXX XXXX  a XXXX stating that they are a faith based organization, which they are not. 
I have been dealing with the Law group since XXXX. I have not once been contacted by my attorney and have spent {$7000.00} to date. 
The Attorneys name is XXXX XXXX. 
He is currently out of the country and I have an upcoming auction date on XX/XX/2023. 
Nobody will return my calls from the XXXX XXXX. 
I feel as though they are trying to help me go into foreclosure rather then helping me try to get out of it. And have paid them money, that can not be accounted for. 
Ive asked for a complete accounting as well as all documentation related to my case over a month ago, and still have not received anything. 
Im constantly getting the run around from all 3 of the entities. But right now, Selene Finance and XXXX XXXX XXXX XXXX are not cooperating with each other and or me. 
I have been left in the dark since XX/XX/2023!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-09-11
Company: EQUIFAX, INC.
State: SC
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:
Ive notified these credit bureaus XXXX XXXX and Equifax, several times, and let them know that these specific items from XXXX XXXXXXXX XXXX  and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
on XX/XX/XXXX I submitted a complaint about Transunion reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Transunion. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Transunion responded to CFPB complaint # XXXX closed with non- monetary relief. I checked my credit report as of XX/XX/XXXX and XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Transunion report showing opened and owing XXXX. This is inaccurate 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 2017-07-06
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Monthly I have been manually making my payment and I did not have access to online to see the history. BBVA Compass continued trying to make the minimum payment out of my closed BBVA Compass checking account and then charging me a returned check fee for their checking account for their credit card, these charges were in excess of {$25.00} per month. They states I did n't " qualify '' for a fee refund since it was autopay even though I had requested three times ( XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ) for the auto pay to come out of the account I provide them when I call into make a payment. They stated that someone internally must of made an error ( XXXX at BBVA Compass on XX/XX/XXXX ) and that who knows how they processed it but " management '' would have to decide whether they would refund the returned check fees for their own checking account autopays from their credit card. This has to be illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for Kohls that was issued by Capital One, N.A. After contacting Kohls I was told the account had been sold to a debt collection agency, XXXX. On XX/XX/XXXXXXXX XXXXXXXX contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I recently checked my credit score and found I had a separate account since 2021 with capital one I closed my account fully paid off my payments were erased I tried to connect my XXXX account it wouldn't let me my account is still active but I'm locked out but can still log in I canceled my account months ago because of stealing my money locking me out of my account not giving me names when I asked my complaints were erased also when I called in I had to explain all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Credit agencies reported late payments when I was never late. I have never been late. 




In accordance with the fair Credit reporting act XXXX Account # XXXX has violated my rights. 

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.

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 2020-06-16
Company: The CBE Group, Inc.
State: AP
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2 days ago I received email notification from credit monitoring that a collection account had been added to my credit report. Upon reviewing my credit report I found that CBE had listed a {$290.00} collection account on my credit report with an original creditor under the name of that I had never heard of before. I never received any communication prior to the email from my credit monitoring system. I do not know the bill or who the agency or creditor. I was never contacted by either prior to or after placing the collection on my credit report. Further the account lists a first delinquency of XX/XX/XXXX. I am an expat and have lived overseas since XXXX. I have accounts that I maintain in the USA but none from a original creditor by the name of XXXX XXXX that's listed on the account. I have had no delinquent accounts of the counts that I maintain in the USA. My payment record has been fawless and this entry ruined a nearly 32 year perfect payment record. This account needs to be verifed and removed from the credit report as it is inaccurrate and doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Global Lending Services LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had this car loan since spring of XXXX. I have made every payment before it was due except one month missed and partial payment one month a year ago. I was told that due to the pandemic they understood and it wouldnt affect me in a negative way. My billing due date is the XXXX of each month. On Friday XX/XX/XXXX ( my birthday ) I went to leave to make the payment and my car was gone. They said they repossessed it because I was 90 days past due. I called and made a payment of {$1000.00} ( over {$700.00} in random fees not put towards my loan ) plus the fees at the towing company to get my car back and cooperated with paperwork and they still put 2 months deferral on the back of it. I checked my credit report for an apartment application and they have me as not paid every month for the entire last year. I went on the GLS website to print my payment history and even for XX/XX/XXXX it still said past due after I had given them everything they asked for! Because the phone rep didnt charge me an extra penny they reported an outstanding balance. Nobody told me this was affecting my credit. All I want is for my credit reports to reflect all of the months that I paid and that it was before the due date. This loan has demolished my credit score and is affecting me being able to even rent an apartment. I already knew the interest was high but after doing my research this company has a habit of giving consumers such as myself false information about loans, putting most of the payment towards the interest not the loan, and then reporting it negative to repossess and resell the cars at action and still request payment from the lendee. This company is a scam and I would like to have my credit reports show every month that a payment was made as in good standing. 1 1/2 missed payments during a pandemic is NOT a reason to sabatoge someone whos consistently paid the bill. I have disputed the negative marks with all three major credit reporting companies. I have filed a complaint with the XXXX XXXX XXXX. I am stuck in this loan now because they hurt my credit but I will contact as many people as needed to get this resolved. I can not be homeless over a car loan that I paid. It is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
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: Account status incorrect

Complaint:
I have contacted Equifax, XXXX and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: American Consumer Credit Counseling, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with American consumer credit counseling back in XX/XX/2018 to help put my credit card payments into a debt management plan making one lump sum payment and lower interest rates on my cards. After 5 months I was still being reported as late and damaging my score severely the company insisted it was my fault and continued taking my money monthly and doing nothing. Causing my score to tank. Horrible service

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had many problems with my chequing acount, fraudulent charges. Where I had stated to the rep. Not to dis-activate my card. Because I will fix the situation with the merchant because I new the issue, but chase dis-activate the card anyway. So they send me a new card. Which was no delivery with the 2 to 3 days stated by the rep. many issue have where I had to call chase many times. Getting in contact with Chase and obtaining inf is a issue. Rep. not providing they complete name to use as a reference as needed many time. Specially rep from XXXX and the XXXX. They hang the phone on me, they put me on hold for long periods of time and they act unprofessional when I ask for they information, but they ask me all kind of personal information but they can't provided me with they name. And yes it had been many time where my frustrations level had made me act uncivil ( use XXXX language ). 
According to chase rep. it is protocol not to provided me with only they first name. Security purpose. But that is my money and my personal information and I can't received information of the person that is handling my money and my information. This situation happens very often.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NV
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:
On XXXX  i have sent a dispute out to Experian about inaccurate items that were being reported on my credit report. They took over 30 days for a reinvestigation for the XXXX time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. Experian has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent Experian multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION. 

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any informa1on rela1ng to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate.

1. The payment status is incorrect, this account was not closed XXXX XXXX It is inaccurately reporting that the last payment was received XX/XX/XXXX as well as it being closed XXXX XXXX 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The payment status on this account is incorrect. You are reporting tin the payment history that the account was 60 days past due after being 90 days past due in XXXX but in the payment status reporting the account has been closed and is 30 days past due. This account is in FACT reporting inaccurate which is a violation stated above. 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. This account does not belong to me ( PLEASE DELETE ) XXXX XXXX XXXX Account Number : 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 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an Auto Loan with TD Bank I have tried for months to access auto payment via the website and it never worked, so I would have to call each month after attempting to pay on line and set up auto draft to make my payment. They would give multiple amounts even though it was a fixed payment, and I would pay and repeat again the next month .. I would over pay and it would confuse them even more.. I would call every month and repeat the same process .. in XX/XX/2019 I received a credit alert that my payment with TD Bank was late in XX/XX/2019 I immediately called and said this can not be as I go through a hassle every month. They said they see all their system notes but they are automated and it is what it is .. This is poor customer approach as all payments have been made and their site is not operating correctly. I am very disappointed with them and would not recommend or use because of this inaccuracy of their part XXXX each person is so difficult to talk to and never assists correctly and delivers wrong information.

Company response to consumer: Closed with explanation