BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: Home Point Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a 6 month forbearance from Home Point Financial back in XX/XX/XXXX which they granted. I knew that at the end of my forbearance that I would be given one of two options, either to pay back the past due payments in one lump sum or have the past due amount paid off at the end of the term of our loan. 

At the beginning of XXXX, my wife contacted Home Point Financial to discuss our options as the forbearance was set to end at the end of XXXX. We were then advised that we would need to apply for a loan modification for which Home Point Financial requested us to submit documents to them including, payroll statements, bank statements, tax records, etc. I emailed back the loan modification request to Home Point Financial on XX/XX/XXXX. I never received any form of confirmation from Home Point Financial that they received our request. 

My wife called Home Point Financial on XX/XX/XXXX to inquire about the status of our request upon which Home Point Financial advised her that they required additional paperwork from us to complete our loan modification request. Much of the paperwork that Home Point Financial was requesting had already been sent on XX/XX/XXXX. However, Home Point Financial failed to act upon our loan modification request in a timely manner and was now asking for us to send updated bank and payroll statements which we did not mind doing. 

Home Point Financial advised us that the paperwork needed to be received by XX/XX/XXXX. Beginning on XX/XX/XXXX, I began receiving daily phone calls during weekdays from a man named XXXX from Home Point Financial. The purpose of XXXX 's calls were to remind me that Home Point Financial still needed additional paperwork from us to complete our loan modification request. I acknowledged this fact on XX/XX/XXXX when XXXX originally called me. I also advised him that my wife had already spoke to someone at Home Point Financial two days earlier and we would get them the paperwork before XX/XX/XXXX. 

Every time XXXX from Home Point Financial calls, he tells me the same thing, that he needs the paperwork by XX/XX/XXXX, XXXX has called me six times beginning on XX/XX/XXXX. I have repeatedly told XXXX that we will send the paperwork in before XX/XX/XXXX. Despite this, XXXX continues to call me every weekday to tell me the same thing. I advised XXXX that I found his calls to be hairdressing and hypocritical considering that it took Home Point Financial so long to get to our loan modification request that they needed updated bank and payroll statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 {$370.00} Item was returned and I never got my refund

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 2023-01-15
Company: EQUIFAX, INC.
State: IL
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:
Equifax dropped my credit score by XXXX points with no explanation, tell them to fix it or it will be upcoming legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

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 2020-12-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to Prestige, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} XXXX was less than the payment remitted to them. Shortly thereafter, Prestige initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 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 XXXX XXXX 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 2023-10-03
Company: Prince Parker & Associates
State: TX
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:
Today, I am writing this complaint to PRINCEPARKER regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an 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 2023-08-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, MO 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-16
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: Their investigation did not fix an error on your report

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

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 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX/XXXX/17 midland funding brought the debt ... it was charge off .. from room place.They start garnishing my check .I lost my job then the harassing phone call started ..The amount they are trying to collect in not the account that was old on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received a call from Loan Mart, aka XXXX XXXXXXXX XXXX aka XXXX, explaining that they could pay off my XXXX XXXX XXXX XXXX and give me a loan up to {$20000.00} based on the value and miles on the car. I can quickly pay the car off in 12 to 18 months if I make payment three days before it is due, which will reduce my monthly payment. At the time, I was told that I only owed {$2300.00} after going through the XXXX XXXX plan and what was on my credit report. I was only going to get a {$5000.00} loan to pay off the car and take {$2600.00} to move. The trustee 's office sent my information about the car to who they made payments through the plan to XXXX. Then XXXX sent my information to XXXXXXXX and XXXXXXXX XXXX as a repossession, stating they did not want to accept a payment of {$2300.00} but {$5000.00}. Now I got to get a title loan for {$9900.00}. I wanted to hold off on such a high loan. 
Loan Mart kept calling me day and night to finish up the Loan. I could not get the Loan without XXXX or XXXX  providing me with the payoff letter. I got a collection letter from XXXX  saying they wanted me to pay {$5000.00}. The operator wanted to talk to someone at their office. It took us two weeks to get in touch with XXXX at XXXX I did not get the payoff letter until XX/XX/XXXX, and then I got my Loan. The hassle was so stressful that I did not realize that the processer changed the agreement to 36 months for payments of {$800.00}. Then it was a big long fight about the title transfer. The customer service agents were confrontational and sarcastic when I kept calling. I got into an accident and was in the XXXX XXXX they didn't care. They still called me about the payment, and then Loan mart added extra fees, saying it was interesting because when I finally got the Loan, they backdated the Loan to XX/XX/XXXX, appearing that I had it for 30 days and then charged a late fee. As of today, I have been struggling to pay {$4900.00}. My rent went up to {$2300.00}. I thought this would be over soon until I found out they plan to take payment for 29 months. paying them back {$31000.00} for a {$9900.00} loan. I don't know what to do ; I have been had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have disputed this issue pertaining to my payment and XXXX still has not fixed the issue. XXXX  fails to update my mortgage payments on my NationStar.I have requested /disputed that update all of my unreported payments and they still have not which give me incorrect credit scores. during their monthy reporting of XX/XX/XXXX they only increased my score by XXXX point when they have over of 60 updates that they failed to update. They show a correct balance but the payments doesn't reflect on the grid. I am missing updates from XXXX - XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX & XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: National Credit Adjusters, LLC
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 information incorrect

Complaint:
Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, National Credit Adjusters reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.

Company response to consumer: Closed with explanation