BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: GreenSky, LLC
State: NV
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:
I noticed a hard credit inquiry made on my XXXX  credit report by " Greensky  Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX  is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is inaccurate information on my credit report being reported by Ability Recovery Services. I have contacted the company on various occasions about the account in question, and the company has failed to respond within the required 30-day time limit. I am requesting yet again that the account in question be deleted from my credit report immediately. I have sent multiple validation letters to this company, none of which the company has responded to with validation. I contacted the company on several times. I have no agreement with the company or any of its affiliates. In addition, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX dispute letters were sent to XXXX  and XXXX. As of XX/XX/XXXX, no documentation has been sent to validate this account. It has been more than 30 days without receiving an accurate response from the company. The company has failed to comply with the requests for validation letters I sent, and in failing to validate this account within the 30 days. The company is reporting reporting false and inaccurate information on my credit report. I am requesting removal from my credit report. This company is continuing to violate my rights and causing me undue hardships mentally, emotionally, and financially by continuing to do so.

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 2021-01-09
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by National Credit Adjusters on XX/XX/XXXX. The company is trying to collect a debt that does not belong to me. Also, this company is not complying with the FCRA, according to the SC statue limitations for debt collecting is 3 years. The date on the bill is dated XX/XX/XXXX. The bill amount is for {$900.00}, I will be sending them a certified validation dispute in the mail on XXXX asking for signed contracts and proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
me and my wife purchased this time share at XXXX XXXX on XXXX XXXX we never used the timeshare this company lied about the prices we would have to pay didnt tell us about none of these extra fees we cant afford this timeshare its never days avaiable to use time share they also didnt tell us we had 7 days to cancel they pressure us into buying a timeshare we are in the process of hiring a lawyer to sue this company

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 2020-07-04
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX of XXXX I've contacted XXXX regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to ARS National Services Inc who was handling the account for XXXX . The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let XXXX know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from ARS National Services Inc ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. On XX/XX/2020 XXXX reported the balance to XXXX  as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from FBCS , Inc calming that I owe a " XX/XX/XXXX '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. 

I reached out to organization which more than likely purchased debt from " XXXX XXXX '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus.

Im not sure if FBCS has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. 

Kind regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX  " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.

I would appreciate any input you might have. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following inaccurate accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: DE
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My brother, XXXX XXXX XXXX passed away on XX/XX/2022. I, XXXX XXXX XXXX XXXX was named as successor in interest. I filed paperwork with Rocket Mortgage on XX/XX/2022. They have repeatedly sent the Affidavit Confirming Successor in Interest. The form was also notarized. In addition to sending these several forms in, I also sent a death certificate along notarized Affidavit- Death Of Trustee showing my name as the successor of property. Rocket Mortgage simply returns the same form back to me asking for duplicates of items sent! All paperwork has been sent XXXX overnight delivery. I have receipts showing Rocket Mortgage signed for these papers. The homeowners insurance is coming up for renewal as well as year end taxes and I am very concerned about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2022-02-21
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2021-01-09
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Albert Corporation
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Albert financial services is an app that gives mobile cash advances. Been with them for a year no problems. What happened was on XX/XX/2022 I was eligible for a cash advance of {$200.00} was the advance cleared they took out {$210.00} from account on XX/XX/2022. I contacted them and they claimed that I owed money for XX/XX/XXXX and XX/XX/XXXX. Surprised to hear that because I assumed that this was already paid off and if it was not I should not be eligible for any cash advance. I mentioned this to them so they took out {$210.00} on XX/XX/XXXX and will take out {$200.00} on XX/XX/2022. My issue is I should have not be eligible for any advance until the past bill paid off period. I have never had a problem with and I feel they should refund me the {$210.00} because I should have been offered another advance if I had one already outstanding.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LendKey Technologies, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I applied for a XXXX XXXX XXXX through XXXX XXXX / Lendkey. The website stated I needed to demonstrate 15K in annual income plus a good credit score to qualify. I am a XXXX XXXX XXXX so I do not currently have income, however I have a credit score of 800+ and made more than 15K during a summer internship, so I believed I would qualify for the loan based on the requirements they stated and I submitted an application. After being told that my income did not satisfy the requirements because it was not active income ( which was not stated on the requirements ), I continued to provide additional documentation at the institutions request, only to be told that the documentation they requested and which I provided did not suffice. After getting sick of the back and forth, I requested to pull my application. I then received an email stating my application had been denied because I failed to provide appropriate documentation. I called XXXX XXXX and complained, and they told me that I could call the loan center back and request a change in the language from loan denial to loan withdrawal, as well as a removal of my hard credit inquiry. I made the request and have been given the run around, when I ask for a supervisor I am told that none are available and they will call me back later, yet I have not received any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With XXXX effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX XXXX. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX XXXX credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. 

It is now the end of XXXX, XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate XXXX so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
Ive been a victim of identity theft there are accounts on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX   XXXX XXXX XXXX XXXX/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 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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 have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!

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