BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MD
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 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 2023-11-07
Company: EQUIFAX, INC.
State: MD
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 XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX  XXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person. 
Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please examine the enclosed documents. I urge the bureau to initiate an investigation into these accounts, which falsely report me as late even though I have never been late on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: PA
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 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: FC HoldCo LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased my vehicle brand new in New York State had a loan with Flagship Credit Acceptance. I chose gap insurance at the time of purchase. My vehicle was in a total loss accident XX/XX/2020. My insurance company issued payment to them for {$10000.00} which would leave me responsible for the remainder of the loan of {$5800.00}. The company is saying I do not have gap insurance. I have a copy of my original signed contract by me and the dealership with the box clearly checked for gap insurance, my dealer does as well. According to my dealer in New York State it is included in your contract with your loan from your finance institution if you opt for gap insurance. Both myself and my dealership have contacted XXXX numerous times. There is either nobody available in the insurance department or we get XXXX in the loan department who basically said just dont pay the remainder of the loan because Flagship really never goes after people legally for the balance owed!! When asked about my credit report he couldnt guarantee that it wouldnt be affected. I am getting nowhere with this company and they are breaking the law holding me accountable for a balance on a loan I have gap insurance on. I cant seem to get anyone who knows anything about gap insurance in New York State.

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 2019-04-10
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning XX/XX/2019 I was in phone call with lending service company OCWEN Loan Servicing.  The person on the phone specifically told me they had the Modification Application. Additionally told me the application had been reviewed and awaiting an answer. I then requested to speak to a " Relationship Manager ''. 

I received the call from the Relationship Manager on XX/XX/2019, where I was informed they in fact did not have the application only paystubs supporting income documentation. 
I at that time had to escalate my call to a supervisor to inform of this as it became a delay in the process of preventing foreclosure. And for the entire situation to be investigated internally. At this time I am uninformed as to whether forclosure is moving forward or if the application which they now have has placed a delay or stop to pending forclosure. 
Since the last call their system has been making attempts to call me when I answer the phone they hang up. 

Additionally, They refuse email service to send information which is what I require as I travel on business 330 days of the year, at times in other countries which becomes unfair practice, as I do not receive USPS mail in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX:XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/2018. How is that accurate? 
There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$2200.00}. How is this accurate? 

There should be no negative payment history on a collection account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are 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
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from XXXX XXXX? XXXX XXXX pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.

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 2023-01-16
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've received crypto currency from a company in XXXX in 2012 sent through coinbase, i've had 2 accounts with coinbase that I have easy access to with no problems. However the account with the bitcoin transfer has been blocked from the coinbase domain. I am able to verify and ID authenticate all other accounts however the one with the currency has been blocked, I can not access it. 

I've reached out several times by emailing & calling the company with no support in managing the problem. 

I've gone through all the steps they suggested in the email to verify and access my account, from adding them to my email list, checking spam folders, and talking to my email administrator. The problem is from Coin Bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was  rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Westlake Services, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an old credit card that has been closed but i notice that they have a late pay on my report. I have asked them for the information to show me when i was late ( 1 late pay on one account and 2 on the other accounts ). I have not received the information i requested and i was on auto pay at the time so i'm wondering how i could be late. the accounts are since closed but i have always had good experiences with the company other then these lates. I would appreciate it if you could help me to get these removed, Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made agreement with BOA to settle the debt. The settlement agreement that was paid wasXXXX in XXXX of this year. I sent it to the attorney who was working to collect on the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me and BOA expressed that a payment was not made to them from me.

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 2023-04-28
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somebody stole my identity and Im just now realizing it. A credit card was issued from Discover with all my personal information including my social security and this individual used the credit card and it was charged off. I tried to complain to the police and nothing has come of it. Now my credit is ruined. This wasnt me that issued that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Spoke to a XXXX XXXX XXXX today XX/XX/2021 and I was told that Select Portfolio Servicing had tried on 2 occasions to do a ACH transaction just using my bank account number with a different amount in which I did not authorize an ACH transaction. XXXX XXXX is investigating the ACH transaction. The Banker also explain to me that companies or merchants sometimes put through a ACH transaction using the bank account number and change the amount or change the name so that the transaction can go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am the cosigner on my sons student loans and started making payments on the loans while he was still in school in order to qualify for a reduced interest rate. His name is XXXX XXXX XXXX XXXX. Sallie Mae receives an electronic payment for this loan from my bank each month. I continue making the payments after he lost his job in XXXX when his employer closed because of COVID. 

I am not familiar with all the details but have seen many news stories reporting that the President had waived interest payments on student loans due to COVID. I reviewed the Sallie Mae loan records online and found that Sallie Mae continued to collect the interest portion of the payment during the XXXX period. The record shows that Sallie Mae has collected over {$2600.00} in interest on my sons loans after the Presidents decision took effect in XX/XX/XXXX through XX/XX/XXXX. I believe these funds should have been applied to the principal of the loans instead of interest. 

I believe my son and I have been cheated by Sallie Mae. I want Sallie Mae to recover the misapplied funds and apply them to the loan principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: ENCORE CAPITAL GROUP INC.
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:
This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX trust with monthly installments of XXXX per month. This information needs to be removed from all credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account reporting on my credit from XXXX XXXX. The original creditor is XXXX, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Past in XX/XX/XXXX. I asked to waive the interests if I pay {$16000.00} in full, then they agreed to waive remaining interests from previous months. 
XX/XX/XXXX to XX/XX/XXXX total of {$1600.00} to their crazy increase in interests it was XX/XX/XXXX- XX/XX/XXXX- {$330.00} XXXX XXXX {$390.00} Then after that date interest went down for no reason. With the same remaining balanced balance never changed. Interest changes every months. 
So total was {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. They waived XXXX and XXXX while on the phone. They said they need to bring to upper management to actual authorize for the fees to go away Also it was on their mistake to keep increasing my credit limit without my approval. It went up to {$18000.00} credit limit without my knowledge. Whole months I never received any letter or statements. Which they recorrected to send me them but that was too late. 

We agreed for me to pay my debts but not interests those months- XX/XX/XXXX to XX/XX/XXXX Which I finally paid on XX/XX/XXXX, XXXX to do my part. 
There was remaining balance for them to waive the fees. I waited over months and months. I was keep paying because I didnt want any negative effect on my credit. I was buying a house. 

I kept calling, they said theyll investigate but it went no where. 
I kept doing chats online, they said theyll investigate. It went nowhere. 

I had the confirmation code that they found the agreement and they confirmed that fees supposed to be waived. 
Confirmation code was XXXX from XX/XX/XXXX when they found the agreement. 

Confirmation code from XX/XX/XXXX when we had agreement was never given. So XX/XX/XXXX, thats when they found it After that, they just wont waive still. It puts me in constantly cycle. 

They kept processing to send it to collection and increasing my interests plus late fees. Even though I paid from XX/XX/XXXX to XX/XX/XXXX. Thats when I stopped paying. 
Balance went down to around {$800.00}, it went up to {$1300.00} with late fees and interests

Company response to consumer: Closed with explanation