BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? 
I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? 
If you need all my documents tell me where to mail it, its way too much to attach here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
ChexSystem Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! ChexSystem never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

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 2022-06-13
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: Information belongs to someone else

Complaint:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One has for quite awhile allowed its customers to pay their Credit Card Balances with their Capital One Debit Cards. This payment method is effective, and quick with the payment posting instantly. Now they have removed that option in an antiquated move back to the outdated ACH system. Payments that previously posted instantly now take 5-10 business days to post, For many people who struggle financially, a payment taking 5 days to come out of your account means that the money is not going to be there when they finally process the payment. Since this change in XXXX, I have had numerous payments bounce as they do not process them quickly enough. This is outrageous. No transaction in the modern world should take more than 15 minutes to process. I don't even understand why ACH must be used when paying a credit card with the checking account at the same bank. Why can't they just process it instantly. This move is clearly an effort by capital one to push their customers into financial hardship so they can close accounts that they approved previously and are looking for a reason to close. Make the payments harder and have more hoops to jump through and then penalize customers when they have trouble paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 i sent a letter requesting to verify this debt thats supposedly owed. This company has not sent me any information regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: CA
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 have sent several letter to Equifax in regards to a dispute and the law of verifying by sending me physical verification of the original signed consumer contract on the listed items in the letter to Equifax and they continue to send back letters to me without doing a real investigation and adhering to the law in accordance to the fair Credit reporting act Section 609 ( a ) ( 1 ) ( A ) that requires by federal law to verify. and to send me Verifiable proof which is my right and the law.

the letter they continue to send ( attached ) shows that they are not doing an investigation and following the law. I have given them more that 30days to send me proof and to and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NJ
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:
My rights have been violated by XXXX Equifax and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TriVerity, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX. 

In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Multiple disputes with Equifax since XX/XX/XXXX. They are the only bureau that continues to report a bankruptcy that was discharged in XX/XX/XXXX. Continues to negatively impact score. Also unable to access dispute investigations or to access annual free credit report since Equifax insists my identifying information does not match their file information. Again, this is the only bureau that has this issue and does not allow me to view information. Chat transcripts reflect their agents direct me to telephone assistance however the off-shore agents refer me back to the website. Circular frustration ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX Equifax XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and Equifax show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was unemployed since XXXX of XXXX, I ran out of savings and was unable to keep up with Timely payments in or around XXXX or XXXX. I communicated with Hyundai Motor Finance several times asking to get a payment deferral. I was told i was denied because I had not made 6 payments, but rest assured once I did make the XXXX payment that the XXXX and XXXX payments would be deferred. So two payments. Now that Im working and finally made the XXXX payment I was past due on they are telling me I can only have one payment deferred which will leave me struggling even though I have been told on several occasions that the payments for XXXX and XXXX would be deferred several times by several different representatives and even a supervisor which actually applied for the 2 month payment deferral for me that was denied because I needed to make one more payment. I am now being told it doesnt matter that I was told 2 months they can only do one month. I feel this is unfair and deceptive against me, a paying customer who was struggling a financial hardship. It seems no one at Hyundai Motor Finance knows or is trained on the actual policy which can and willcause this same difficulty to many more customers. I will list the dates of mentioned phone calls, XXXX two phone calls XX/XX/XXXX XXXX rep told me no only one month, went and asked and I heard the person in the background say yes I could do two months the rep came back to the line and said My apologies maam you can do two months, you just wont be allowed another deferral for 12 months after that XXXX 2 phone calls which I called and discussed situation and they called me back even though I already made contact and did not give permission to call back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX supervisor submitted two month deferral request

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 2021-12-06
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dispute of Negative XXXX XXXX Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative XXXX XXXX entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX of Late Payment : XX/XX/22 Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to XXXX  XXXX XXXX I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my XXXX XXXX has been negatively impacted. 

XXXX Attempts : Upon realizing the issue, I immediately contacted the customer support department XXXX XXXX XXXX XXXXXXXX to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with XXXX  XXXX XXXX regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, 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 2021-12-04
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have submitted multiple requests ( written and online ) in the last 90+ days to LexisNexis/XXXX XXXX to freeze my consumer report and have received no response. My most recent attempt was XX/XX/21 via LexisNexis online portal. I have received no response or confirmation of my request. The headers of the attached documents show the date the most recent request was submitted and the date the site acknowledged my request. I have also attached the same documents provided in my previous written request to avoid LexisNexis using delay tactics like " we don't have the information required '' to avoid placing the freeze as requested. Finally, I have included the XXXX tracking numbers and certified mail receipt for the mailed request from 90+ days ago that LexisNexis completely ignored and did not return the return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.

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 2023-05-01
Company: EQUIFAX, INC.
State: OR
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:
XXXX and equifax are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX that XXXX could not verify and has already deleted from my credit report

Company response to consumer: Closed with explanation