BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID -19 I was laid off from my job in XX/XX/XXXX. I immediately contacted my mortgage company Mr. Cooper to inform them of this unforeseen disaster. The representative informed me due to COVID-19 my investor is participating in the Pandemic Forbearance Relief Plan. This was a relief as my number one goal is to keep my family in our home. The short term forbearance would be approved in 3 month increments for up to 12 months. Upon the last extension, the mortgage company would provide all the options per my investor which included adding the payments to the end of the loan, repayment plan, modification or a lump sum. I immediately informed the representative we could not afford a lump sum payment. The representative assured me the company would exhaust all options and a full lump sum payment would be the last option as the company understands hard times due to the pandemic. 

XX/XX/XXXX at TIME, I received a call from XXXX XXXX, stating he was assigned to my account since the COVID-19 forbearance expired. I informed him I started a new job and would like to discuss addressing the past due payments as indicated when I agreed to forbearance. 

30 days later I received an email from the mortgage company stating I was denied a modification but a short sale was approved or Deed in Lieu approved. 

We followed all the guidelines set forth by Mr. Cooper Mortgage Company however unbeknown to us Mr. Cooper Mortgage company used unfair business practices and deception. At no time were we told the past due mortgage payments would be due in one lump sum at the end of the short term. We were told we would discuss the options which included repayment plan, modification, moving the past due payments to the end of the loan, etc. This is deception, we were never asked nor provided any financial information for Mr. Cooper to review for a modification or repayment plan. They just assumed we did not qualify. How can the mortgage company determine we don't qualify without any financial information? Is this common practice for certain types of people? They prefer to put us out of our home without trying to help us. 

While Mr. Cooper would like to sell our home, we are seeking fair business practice guidelines per COVID-19 rules to resolve this issue. Our goal is to stay in our home. We were appalled how easy it was for the representative to state cant we pull {$15000.00} from our 401K in the middle of a crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NV
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:
Complaint filed with XXXX XXXX, Equifax and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened small business account at Huntington bank as a sole member /sole proprietorship account. Personal banker stated that he couldn't verify my account through the state of West Virginia, I went to the bank so that it could be verified over the phone and it was verified. Personal banker insisted that the account needs to be searchable through the corporation site through the state and that was never the status of the business. Account is showing active but can not make deposits, cash checks or conduct any business because the personal bank has the account in the wrong status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Control Service, for committing identity theft. I have never given Credit Control Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Credit Control Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Credit Control Service any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Credit Control Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Control Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Control Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Control Service, continues its collection efforts, I will file for litigation for actual damages caused and Credit Control Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I use PayPal on a daily basis to send and receive money. Today on the XXXX of XXXX i received an email from PayPal including the following : " During a recent review, we found an unacceptable level of potential risk associated with your account. As a result, we've permanently limited your account and you can no longer use PayPal. '' I have {$2500.00} usd and {$2200.00} aud in my paypal balance and for them to close my account without reason just because they see a potential risk in keeping my account open even though ive been using paypal since 2018 and never had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a statement/bill from Capital One Master Card for a {$16.00} Fast Card Fee. I have not used this card in approximately 10 years and I thought the account was closed. I called Capital One and tried to discuss the XXXX charge as well as closing this account. They would not talk to me about the XXXX charge except that I needed to pay it. I did get them to closed the account, I think. Although they did not give may any name or code or receipt for my records to confirm the closing of the account. 

When I asked again about the {$16.00} charge they then told me they could not discuss my account as it was restricted since I requested it to be closed. 

I have not charged anything on this account. I have not received or activated the alleged card they are charging me {$16.00} for and they will not discuss the matter with me either other than to tell me to pay the fee. 

I do not feel they should be able to charge me for something I did not request not did I ever agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Long story short my mortgage was purchased by Green Tree Financial from XXXX XXXX XXXX and Gree Tree Financial did not honor the existing modification from XXXX XXXX XXXX. Green Tree Financial is now forcing me into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. 

My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint against Equifax and XXXX This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from equifax, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX  accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company they have to protect us/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the three credit companies/ but I feel that this does not stop the criminals who want to continue robbing me blood, this whole identity theft case has me completely unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Company Portfolio Recovery Associates Llc as of XXXX XXXX, 2020 is inaccurately and fraudulently reporting information on my credit report that I've requested to be removed immediately. I've attached legal proceeding documents that show this company does not have the right to continuously to report fraudulent activity, as to the case in its entirety has been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Foreclosure by Wells Fargo is still on my credit report and effecting my credit even though it is over seven years old. According to XXXX, Wells Fargo reinstated the 12yr old 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 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I received a letter from Capital One indicating it was taking debt collection on an old account of mine BACK FROM " Credit Services. '' But, I had already made my FINAL payment on that account with " Credit Services '' on XX/XX/2021. When I called to inquire on XX/XX/2021 a representative from Capital One named XXXX, ID # XXXX, indicated I still owed over {$400.00}. That is false!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: GA
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 reported to all 3 credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX Credit cards that were in my name not the one I am an authorized user on. 
XXXX XXXX Cards XXXX XXXX Bank Loan XXXX XXXX The credit bureaus are in violation of Section 623 of FCRA. 


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 2019-10-23
Company: Experian Information Solutions Inc.
State: MN
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:
I was told my bankruptcy would be off my credit report in 7 years. I hope you can help me. I have tried with all 3 major reporting agencies, to no avail.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a 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 2020-07-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I opened a JetBlue credit card through Barclays Bank. All was fine except in XX/XX/XXXX while I was out of country XXXX/XXXX charged me for a purchase that was made in XX/XX/XXXX. In XXXX I bought 4 tickets on XXXX XXXX to XXXX, trip was from XXXX XXXX XXXX This charge showed up on my account in XXXX statement which was paid in XX/XX/XXXX. The 2nd duplicate charge in XX/XX/XXXX is what XXXX/XXXX is refusing to remove from my account. I have contacted XXXX XXXX and they have confirmed in writing and in conference call with XXXX that they have not initiated this charge. 
The duplicate charge was disputed XX/XX/XXXX, I returned from my trip on XXXX, after going through my bills I had noticed the charge, I disputed it right away and XXXX assured me that they will take care of it. Around that time due to COVID -19 everything was shutdown and finally when I'm able to contact XXXX and ask about the charge they are refusing to reverse it and continue to tell me that this dispute is escalated to higher management and I keep getting letter and harassing phone calls to pay minimum due on the account. In the time, I have talked to at least 50 different relationship managers at XXXX and every single time I'm told how sorry they are that this has happened to me and they will escalate to whoever and take care of it. 
Now XXXX has sent this to collection and I have started receiving harassing phone calls from Financial Service company that XXXX contracts out to solve their collections. 
I have never been late on any of my payment and this has impacted by credit score by at least 100 points. 
I don't know at this point I'm so frustrated and don't know who to turn to resolve this matter. 
Hoping to get this matter resolved. 
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 monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system

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