BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: PA
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 written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX CARD 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 2021-09-10
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted this company once i notice a negative remark on CR company has took no furhter actions on trying to assist me with this matter i have dipusted it company continues to call everyday and send invoices to family address i tired 1 last time reaching out to have them stop contacting me on XX/XX/21 @ XXXX i was adviced that calls will continue so basically i will continue to be harrassed regarding a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: EQUIFAX, 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX CARD XXXX, XXXX XXXX DEALER XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, in response to the nationwide foreclosure crisis, the Treasury Department introduced the HAMP.

In XX/XX/XXXX, XXXX XXXX announced the Second lien Modification Program and therefore the Treasury Department implemented the following Rules : According to the HAMP Rules described in the MHA Handbook v5.1, " When a borrower first lien is modified under the HAMP or a qualifying GSE Standard Modification the servicer must do either of the following : 1. modify loan or extinguish the second lien according to the steps outlined in Section 5. Also it is required that the first lien be permanently modified prior to XX/XX/XXXX.

Thus, the Rules are very clear in that if the first lien is modified prior toXX/XX/XXXX the servicer must dismiss any outstanding foreclosure action.

Flagstar bank is one of the many servicer 's that enter into the Tarp agreement with Department of Treasury and therefore must comply.

On XX/XX/XXXX, we executed a permanent loan modification agreement with the first Servicer, XXXX XXXX XXXX. Because the agreement was executed on XX/XX/XXXX and reported to XXXX XXXX XXXX XXXX XXXX XXXX, prior to XX/XX/XXXX, we meet all HAMP Rules regarding the Second Lien.

Pursuant to the HAMP Rules Flagstar was to : either modify or extinguish the debt. Instead Flagstar engaged in unlawful and deceptive banking practices by ignoring the Federal Rules and providing consent to a third party file a foreclosure action.

As per Federal Rules Flagstar and its accomplices are prohibited from filling a foreclosure action when the first lien has been permanently modified under the HAMP prior to XX/XX/XXXX.

The Treasury Rules were meant to be enforce not just to look at. I ask the Consumer Financial Protection take this complaint seriously. A copy of this complaint will be furnished to the Office of the Internal General. We want to make sure pour complaint is not ignored by the CFPB.

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 2018-10-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The purpose of the letter attached is to dispute the XXXX XXXX XXXXXXXX credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.

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 2019-04-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Here is my problem : I got this Paypal message : " Your PayPal Funds are Eligible for Withdrawal '' now when I try to withdraw funds it says : " Sorry, we weren't able to process your request. Please check your info and try again ''. Now when I try to Request a Check it says : " Sorry your last action could not be completed ''. This is not sense to me because I got this Paypal message after waiting a holding period of 180 days : " Your PayPal Funds are Eligible for Withdrawal '' Please help, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to the XXXX ( XXXX XXXX ) my family and I were displaced and could not make the payments on our vehicles. The stresses of all of this caused my wife to leave me. I am now stuck with two car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: ENCORE CAPITAL GROUP 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:
I moved from XXXX, NC in XXXX at which time XXXX XXXX sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted XXXX XXXX Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from XXXX XXXX dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. XXXX XXXX claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from Midland Credit Management, Inc.Account # XXXX, requesting payment. I tried to call them several times to tell them about the XXXX XXXX letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with Midland? I would be happy to forward the letter from XXXX XXXX that clears this insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE STILL REPORTING AS AN OPEN COLLECTION AN ACCOUNT THAT WAS FIRST PROCESSED UNDER CHAPTER XXXX BANKRUPTCY PROTECTION AND ACCOUNT WAS LATER SETTLED AND PIAD THROUGH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEYS , XXXX, XXXX XXXX XXXX , XXXX, REF ( XXXX XXXX FORD MOTOR CREDIT V XXXX XXXX ) THIS ACCOUNT SHOULD NO LONGER BE REPORTED AS AN OPEN COLLECTION OR DERROGATORY ACCOUNT AS IT HAS BEEN DULLY SATISFIED. 

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE IN VIOLATION OF FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date was XX/XX/19, I received a letter from PayPal failing to state the reason for denial. Multiple times have they refused to issue me credit without any reasonings.I have the letter with the missing information as to why I was being denied, it was left blank.

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 2019-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hello my name is XXXX XXXX XXXX. Im writing to let you know that someone has gotten approved for a mortgage loan in my name and that they should be moving into their a place that they purchase and they should be moving in a couple days. I never received the call or email or the application that was supposed to be in my name. They have done this fraudently in my name and social security number. They stole all my money and all my personal information and they also my tax return and insurance to be able to purchase this house. They also that gotten car loans and credit cards in my name without my knowledge. They have gotten student loans and etc. Im writing to make sure that they dont get anymore money in my name or be able to get access to anything else. They changed my phone number that was on the original application and they have be impersonating me and using my income and identity and social security number to be able to commit these fraudulent activities in my name. And they need to be stopped. Im going to report them to the police department again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Navient Solutions, LLC.
State: NH
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 had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/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 2018-03-22
Company: Optimum Outcomes, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter requesting validation of the debt that this company claims is owed to them was mailed to them certified mail on XX/XX/XXXX and received by them on XX/XX/XXXX. The letter specifically requested that the company VALIDATE the alleged debt by sending proof that the debt belonged to me as I have NO knowledge of this debt. The letter requested that Optimum Outcomes send a copy of all statements from the original creditor, as well as any signed agreement between myself and the creditor which would show proof that the debt is owed. Optimum Outcomes simply sent a letter in response that in NO way validates that this debt belongs to me. I have attached both the letter that was sent to them as well as their response. Since this debt has NOT been validated as requested, I want this removed from my credit report immediately. If this debt is not removed I will move forward with contact my attorney about the lack of proof that the debt belongs to me as well as the fact that the company continued to contact me by phone leaving voicemails AFTER the validation letter was received which requested all communication be done in writing which is also a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: MD
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:
1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXXXXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/XXXX or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.

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