BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance - Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-14
Company: Early Warning Services, LLC
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:
On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to EarlyWarningSolutions contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We mailed a personal check XXXX ( C/O PHH Mortgage Services ) to payoff mortgage. They acknowledged the receipt of the check on XX/XX/XXXX. But they still haven't deposited the check and posted it to my account. In the meantime I have been paying daily interest of {$7.00} totaling over {$150.00} already as of XX/XX/2020. They wouldn't even give me a date when they will settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage, who has recently take over several of my student loans fraudulently deducted payments for federal student loans without authorization to an account that was never provided directly to them. 

Calling them was useless as they stood by that I set up auto payments which is a lie as these accounts were recently taken over and are NOT in repayment status nor have they been for over a year due to COVID.

I never provided the bank account, never authorized automatic payments, and certainly never authorized payments on accounts that are not even in repayment status. 

I suspect previous banking information was somehow transferred from XXXX to Aidvantage without consent. The money was deducted from a bank account I have not used as a personal bank account in over two years!

On top of this : they over drafted the account and ignored me when I asked if they intended to PAY the fees associated with their unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 XXXXXXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Need help to have my mortgage deferred due to my covid-19 hospitalization. I have been Battling with fay servicing for a mortgage payment deferment from XXXX XXXX XX/XX/2020. Fay servicing has repeatedly told me because my mortgage was not a federally backed loan, not covered under CARES act they would not offer me a deferment. Forbearance, ending with a giant balloon payment in 180 days was my only option. I have explained my state signed in their own special act in XX/XX/2020 governing these mortgages that aren't federally funded to be granted into a deferment and to be added to the end of your loan. Fay servicing has been negligent throughout this process. I initially called Fay in XX/XX/2020 to discuss my hospitalization from being XXXX positive and asked for a deferment but was informed that a forbearance was my only option but to check back as things are constantly changing. After weeks of calls, explaining the facts and checking back, they explained that they would not discuss relief options over the phone or by email because its only done through a letter they will send to me in the mail. I was told in 7- 10 business days that I would get this letter by mail describing my option for mortgage assistance. I called after 14 days of no letter, they explained to me through these hard times the mail is slow and keep checking my mail. After a month of waiting I was then told there was no letter but im on the waiting list to be reviewed for mortgage assistance. Weeks later, again I called and was told I was not being reviewed for relief but I needed to now email them my hardship and then I would be put in a waiting list for the review process. After a few more weeks of multiple emails and a promise to get back to me within 48 hours I was finally told there is no review process, I was just not eligible for any assistance beyond the forbearance with a balloon payment and they have no emails or letters explaining my relief options, acceptances or denials. I need an explanation in writing of my eligibility or ineligibility outlined with dates and amounts, please. Because of Fay servicing has not taken any effort to review my mortgage, my family has over extended its financial ability, creating seriously over extended debt. Chapter 65 of  the Acts of 2020 section 5b states " A payment subject to the forbearance shall be added to the end of the term of the loan ''. Why is this so difficult for Fay Servicing to understand? Fay servicing has refused to accept this law and will demand a lump sum at the end of the forbearance. This is a criminal act against the unknowing mortgagee. Fay Servicing is intentionally misleading their customers to scare them into paying their mortgages while in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold the loan without permission falsified the documents and XXXX XXXX was already dead I attached some debt validation, and, XXXX please investigate all the loans on the pdf documents I sent you guys and make sure they follow the federal law and guidelines please and XXXX  XXXX closed my business account because of me bringing this up please have them reopen thanks under federal law you have 30 days to leave your investigation. Being right at the description of the processes used to determine the accuracy of completeness of the information is here by requested as well to be approved within 15 days of the complete of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX days ago I requested my PAYPAL.COM account to be deleted and all data removed, as the account has repeatedly been compromised with access to my bank accounts opened to unauthorized persons over the Internet. 

Initially I could not close the account myself because of a linked PAYPAL CREDIT account. Now that linked account is deactivated but the company still will not deactivate the account and remove all data. I have used all available support and service channels to make this request and they continue to delay and respond saying the problem will be re-escalated and investigated again. I don't need any further investigation and have made it clear on several occasions that I just want the account deleted along with all associated data. 

I previously unlinked all financial institution accounts but I continue to receive messages indicating that someone has accessed the account or tried to reactivate it with my email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: General Motors Financial Company, Inc.
State: OH
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 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was for XXXX payments of XXXX totaling XXXX and I have FULLY PAID that amount as you can see from the payments records. The issue is that Prosper overcharged me unlawfully extra fees and interest during the XXXX XXXX XXXX XXXX for the 7 months of Deferal Period that was offered to anyone and was supposed to be No Extra Interest or Fees but seems only Prosper did those charges! At the same time I had a loan with XXXX XXXX that I also took advantage of the Deferal Period but they didn't charge me a cent extra for the period...

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 2023-01-24
Company: Aargon Agency, Inc.
State: NV
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:
Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to XXXX address that is not listed onu consumer report which is XXXX violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.

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 2023-02-17
Company: EQUIFAX, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Personal information incorrect

Complaint:
VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM DEMANDING THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kia Motor Finance officially changed to Hyundai capital has damaged my credit for two years, once I voluntarily surrendered my vehicle due to my partners terminal illness and the company not willing to work with me. I voluntarily surrendered the vehicle ( vin # XXXX ) XXXX Kia XXXX back on XXXX KMF continued to charge me until XXXX of XXXX they held the vehicle at their facilities from XXXX XXXX until they auctioned the vehicle, they have contacted me numerous times even filing against my credit and attempted to collect via debt collector only to finally dismiss the claim and remove it from my credit as of XXXX. KMF has been bought out by Hyundai Capital and Hyundai capital has been the one prolonging the rectification of this issue.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a XXXX complaint against XXXX in XXXX for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the XXXX app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a XXXX XXXX account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX complaints this was resolved since XXXX is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). Transunion is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX is showing the correct 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: MoneyLion Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an account with Moneyloin and it was paid in full, I went to go cancel it and there was another loan out, I proceed to try and contact them to cancel and they wouldnt. They withdrew over XXXX from my checken account and still taken money out. I reported my card was lost and account was hacked into but they dont seem to care. I would like this fixed and canceled and my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone opened a account in my name at Umpqua Bank.

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 2020-08-17
Company: McCarthy, Burgess & Wolff, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX female XXXX veteran. I acquired my illness during an injury in XXXX. We moved to be closer to family and needed cell phones for emergencies. I am only XXXX and have had XXXX. The local XXXX office stated outstanding coverage in our rural area. At first, my phone didnt even work. Returned it only to find that there was no coverage where we live and my teens, husband and I had no way to reach emergency services, or keep communication with my physicians. 

Local office took an additional {$400.00}, we returned phones and it was supposed to be done. This was in 2007. Instead, it pops up for over two grand on my credit reports. 

I need to move closer to medical facilities to prolong my life. Instead, XXXX through the XXXX ( XXXX was sold years ago ) thanked me for my service despite knowing this information and refused to remove it. The first call was from XXXX XXXX stating it was wrong and they would fix it. Weeks later, she called to say she talked to the parent company who said they wouldnt remove it. She would not give me the contact info for this person. 

It is wrong, greedy and keeping me from seeing my youngest graduate high school. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation