BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
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 requested verification of inaccurate information on an account listed by the credit consumer reporting agencies on multiple occasions from both the data furnisher and the credit reportion agency for XXXX account number XXXX. I also disputed this account directly with the data furnisher and as per XXXX they have no record of this account on file yet they continue to report a derogatory account in my name. I am enclosing the notice XXXX sent me as a reply to my inquiry. Which states they have no knowledge of this account and the letters sent to the reporting agencies I sent last to the XXXX and Equifax which are continuing to violate my right to accurate reporting. Both agencies are reporting different dates of last activity. The are showing a balance for on the account that was allegedly written off as a bad debt. They are reporting different dates of being last reported. How can any of this be accurate if none of the parties involved XXXX, XXXX, or Equifax are showing any of the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed a real-estate transaction using XXXX XXXX XXXX XXXX  XXXX XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXX XXXX  ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX  and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the XXXX credit Bureau who were reporting this false information, being Experian and XXXX. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( NASB ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

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 2023-05-14
Company: EQUIFAX, INC.
State: FL
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 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 2020-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
A couple of years ago. My wife and I had to file for XXXX  XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX  XXXX bankruptcy. 

My concern is with XXXX XXXX. We had XXXX XXXX XXXX XXXXXXXX XXXX which was overseen by XXXX XXXX. We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX  or XXXX 's XXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXX XXXX  XXXX and XXXX Bank. But our Credit card privileges were suspended. 

XXXX XXXX  refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXX XXXX  yet they refuse to respond to our questions.

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 2023-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I put a complaint to you under the number XXXX, which was closed by the response from SPS, where it said that they had sent a check to my residence on XX/XX/XXXX. To date, the check has not arrived and I called SPS again and they told me that it could have been lost and that if I wanted to, I could open a new case. Already in XX/XX/2022 they had told me that they had sent a check that never arrived. The response that SPS gave you in complaint number XXXX is totally false and they have never sent a check, so I need you to help me get this company to return my money seriously and quickly with interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed seven mortgage hardship applications the latest was XX/XX/XXXX. Flagstar bank has closed each application after I have submitted all documentation required. I have been attempting to get assistance with processing my application since the initial filing of hardship paperwork in XX/XX/XXXX. Each time I have called they have assured me the foreclosure process is not continuing, however I continue to receive foreclosure procedures and paperwork from their foreclosure attorney submitting motions to continue to foreclose on my home. I just received a document from attorney XXXX XXXX XXXX XXXX from their address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  Florida XXXX. The paperwork I received from this attorney showed a motion to immediately foreclose on my home. I have researched Flagstar bank and found they have been liable in the past as earliest as XXXX and fined for the same exact thing thats occurring with me. They will not return my calls, and half the time I call them they say they can not talk to me and hang up on me. I do not know what else to do besides turning to the CFPB. This is not right. I have filed multiple hardship assistance packets and they closed all seven of them. Please help. They are not working with me and they are not processing my documents while stating they are and at the same time an attorney is filing motions in the court to foreclose on my home. Urgent help is needed. The y told me to upload my HOA fees and they would complete and process my loan hardship application and proceed with options to keep my home, I uploaded it on in XXXX they again closed my file. Please 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 explanation
Consumer complaint received 2021-07-25
Company: Atlanticus Services Corporation
State: NC
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:
They said the transaction happened on XX/XX/2021. I made a payment of {$700.00} on my account. I woke up checked my banking account and noticed {$940.00} was also taken. I called the first person told my I had auto pay on and it was a mistake. I asked to talk with a supervisor he said that it was a mistake and would be sent back in two days. She wouldn't tell my why and how that transaction was made. I talked to another supervisor and he said I authorized both transactions. I was explaining to them why would I pay {$700.00} two days after I supposedly made a {$940.00} payment on a card with a {$1000.00} credit limit. Why would I pay {$1600.00} on a credit card with a {$1000.00} credit limit. On XX/XX/2021 i contacted them because the {$700.00} didn't process as what they called a computer error on there end and hit me with a {$34.00} late fee which is the second time this has happened. The first time they sent the money back the day the payment was due. And nobody can tell me why and who authorized the {$940.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Payment arrangements were made and agreed to. This company received the payment the same day before the deadline ( as agreed on a recorded line ) but had already taken the car ( with the repo rescinded ). I go out to drive to the office because my calls are being ignored and the car is gone. Two payments went through that day. A payment was returned, the car was kept and later it is appeaes on my credit shortly after I apply for services online. It keeps resurfacing creating a derogatory credit report and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
i was never late on any accounts! 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.remove this account or face violation {$1000.00} per volation

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 2023-01-04
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2023-08-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Decided to check Credit Report and found Genesis Credit. 


I am not familiar with this company or the reason why its on my file. 


They don't give a clear answer as why this debt is owed. 


I need more info to XXXX why this debt is under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: National Credit Adjusters, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES CITIZEN, RETIRED AS A XXXX FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX CARD WAS PAID PAID AS A SETTLEMENT DONE THROUGH NATIONAL CREDIT ADJUSTERS AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXXXXXX XXXX. I've never applied with XXXXXXXX XXXX  I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have made 4 attempts to dispute items on my credit report with Transunion and XXXX and they are sending me letters refusing to investigate my disputes.

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 2022-03-02
Company: JPMORGAN CHASE & CO.
State: HI
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:
in XXXX I came to look at solutions for going back for my XXXX XXXX since I used chase for student loans in the past. They no longer had that service, so she directed me to credit cards. I had no job, but was getting rental assistance from my parents ( less than XXXX ). The employee was fixated on getting me approved, in spite of this lack of income. She stated this can be considered income, even though I had only a couple of months of the assistance left. I refused to put this on the application. Chase was using a pin pad to complete the app, which shut down in the middle of my application, and the employee stepped in to sort out the issue with it. I could see she had moved past a few screens and assured me these were simply prompts to get back on track. When Covid hit, I had trouble making payments, and when consulting with bankruptcy, they wanted to see my application since this did not make sense to them that I had been approved in the first place with such low income under the XXXX Ability to Pay rue that had been enacted before my card application. Chase would not give me an application copy. I called and called until they let it slip I was given conditional approval based on less than XXXX yr. The issue there is I did not input any income. Many attempts to resolve this are met with chase counting this as a duplicate complaint, in spite of new information emerging. They said they could not verify anything with the employee. Now, in XXXX, chase was being investigated for many kinds of fraud in mortgages, inflating income, credit cards etc. and I know they were up to the same at this branch. It was one of the busiest branches we had in the area. Today I have learned the branch that gave me the card was closed years ago, and in spite of me being a customer, I was given no notice! 

Chase Bank at XXXX XXXX XXXX XXXX, XXXX, OH XXXX was closed without first informing us. Banks are legally required to inform customers of a branch closing according to the Federal Deposit Insurance Corporation Improvement Act of XXXX. 

This is just another example of the lengths this bank will go through to cover up their issues. Even when during covid, we have plenty of documentation that their bankers were committing fraud to enrich themselves. My bank teller had incentive to gain an approval, because she said it she gets paid out on approved apps. 

I know they will mark this as a duplicate. I spoke to others who believe this bank needs closer inspection as they no doubt committed fraud in other areas within this branch.

Company response to consumer: Closed with explanation