BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My former lender was XXXX XXXX ; in the middle of a forbearance plan, they sold my loan to Selene. Since XX/XX/ 2022, I have tried to do a loan modification to bring my account to Good Standing. I have provided all the documents requested for that purpose and answered all requests in a timely manner. However, as time has passed, I have noticed many inconsistencies which I have previously discussed in my prior complaint. The last thing that I have done to cure my default account is to pay the XXXX missing payments to bring my account up to date. I spoke to one of the agents, whom stated that I needed to bring my account up to date with the XXXX payments. Why am I filing a complaint? Because today at XXXXXXXX, I received the second call during this process ( nobody ever called me, I am the one who is constantly making phone calls to find out the status of my account, and the correspondence procedures in my situation ). This person called today to find out about a pending loan modification application which I requested to work on. However, after considering all these inconsistencies with XXXX, my husband, my family and I have come to the conclusion that this company does not want to help me. Moreover, they are trying to take my home. My family did everything in our power, everyone contributed with something to bring my account to Current and I paid {$39000.00}. This money has been taken out of my bank, but it has not been deducted from my mortgage default payments. When he spoke to me today, he stated that the house is not in foreclosure, and that the payments should be posted to my account. At this point, I am very confused. For this reason, I am filing a second complaint. This payment was received on XX/XX/ 2022 -- they received my payment but are not taking out my pending default balance. I am trying to work with them but obviously they have another agenda. I am feeling frustrated, deceived and treated unfairly. My conversation with them was recorded, for my own records, but I told the agent about it. I am reaching out because right now, I feel really mistreated. Even then, I am doing everything in my power to work with XXXX. I can provide you with any documentations to follow up with this matter. I'm really grateful for your support on this. I really appreciate the services you provide to people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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: Information belongs to someone else

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion, XXXX, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to Transunion. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate 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 2022-10-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for a Torrid store credit card with Comenity Bank on XX/XX/2022 and was approved for {$1300.00}. Never received card or statement, but can not get anyone on the phone, only hold music.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: STATE FARM BANK, FSB
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just got another letter from FIRST NATIONAL COLLECTION BUREAU , INC . 
I called once before that i have never apply or have gotten a credit card from XXXX XXXX XXXX XXXXnd they told me that I did they argue with me about this account and i have never gotten any credit card from this place i don't know what to do so they can take this out of my record please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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: Information belongs to someone else

Complaint:
Hello I have called transunion and spoke with costumer service they did not take care of this problem with removal of some inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX  for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. 

I make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. 

I demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. 

I am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.

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 2018-10-12
Company: SYNCHRONY FINANCIAL
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call approx 5x every day! Its XXXX XXXX and they've already called 2x. Yesterday they called at XXXX, XXXX, XXXX, XXXX, and XXXX. Everyday since XX/XX/XXXX, I get between 3-5 calls a day. Its harassing me!

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 2021-04-07
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: Was not notified of investigation status or results

Complaint:
I mailed letters to all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TX
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 disputed the following items with Equifax and and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative items that have impacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, la and made a down payment for the XXXX XXXX XXXX that was XXXX. I declined the gap insurance and when i got home to view my credit acceptance portal i noticed XXXX XXXX dollars was added on for interest which that is more than what the car is worth and was not advised about that at the dealership. I've contacted the dealer but no reply yet. It's sad to be ripping people of their hard earned money. I have kids an struggling as it is now. The car been giving me problems the next day i got it. Interest rates a day that's ridiculous. Almost XXXX for a used XXXX car? That's sad!

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 2019-02-24
Company: AMERICAN EXPRESS COMPANY
State: OK
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:
In XXXX, 2018 i got a business card for a company I worked at. Three days after I received it another employee stole the card I immediately reported it to Amer Express and had the account closed. The ex employee used it to purchase some wireless communication equipment. Needless to say, the employee took a personal check back and paid for it. His check bounced. I didnt have a card with Amer Express. So Amer Express opened an account for me without my approval then transfer the {$3500.00} to me. I called Amer Express and advised I didnt want a card. That didnt matter to AE. They issued me a card anyhow. I have tried to explain this for about a year. Opened a dispute with XXXX. Then AE made it a charge off. I will have that on my credit report for 7 years. This is why I believe I should have to pay this. The total owed is {$3500.00}. I did report this to the Attorny GeneralOffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.

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 2021-04-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I deferred my mortgage payments due to losing my job due to unemployment. In XXXX, I resumed and repair the amount, bring my mortgage current. Yet Wells Fargo continued to report my payments as being deferred. I worked with them to resolve this and they claimed that the situation was settled and sent me a letter to that effect. 
In XXXX, I found that Wells Fargo is continuing to report my payments as being deferred. When I tried to resolve this with Wells they've claimed several times that there's no issue. They have sent me letters saying that they have reviewed my file and there's no problem. However, yesterday I had a credit report pulled and Wells Fargo is continuing to report to all three companies that my mortgage payments are deferred. 

I can't refinance my mortgage, I can't move my mortgage anywhere while Wells Fargo continues to lie to the credit reporting companies that my mortgage payments are deferred. They are costing me money and causing serious stress.

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 2021-03-20
Company: RSR & ASSOCIATES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company, XXXX, I previously did business with about an unpaid order for a company I had closed in XXXX. While I did make an inquiry about whether this company, XXXX, could drop ship some items after I had vacated my retail location, XXXX apparently opted to ship product to a location I had not occupied for months. When I disputed this order with XXXX, they referred me to a collection agency called XXXX XXXX 

I notified XXXX via USPS on XX/XX/XXXX, to cease communications or to provide proof that this debt was mine. After receiving more notices, I sent them the attached email on XX/XX/XXXX again demanding them to either cease communications or provide proof. No communications came until a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX. This letter violated my instructions by ceasing communications and did not include any proof. I feel this company sent this letter from their corporate counsel in a veiled way to intimidate me to demand payment for a debt that I do not owe. 

I will be writing a letter of complaint to the CEO of XXXX today as this is now bordering on harassment. 

I also filed a complaint with the CA Attorney General regarding these communications as well. 

Again ... I did NOT order any product from XXXX that is in dispute. I did NOT receive any product from XXXX that is in dispute ( I could not have since I had vacated the commercial location no less than 2 months prior to this shipment being sent ).

Company response to consumer: Untimely response
Consumer complaint received 2023-06-22
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently called frontline asset regarding this issue I tried to explain to the representative that it is illegal to try to collect funds without verification and he just hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an item that is on my credit report that is effecting the integrity of my score and credit worthiness. The item information can be found below : I am not aware of this item or where it came from as this is a debt that I do not own. 

ONEMAIN XXXX XXXX XXXXXXXX XXXX, IN XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions 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:
Experian Complaint XXXX Date : XX/XX/XXXX Experian has on hard inquiries showing that I did not consent on auto loans nor did I approve. I also did not give consent to send my credit or approve as many auto loans that are showing by Experian. Experian has not provided no proof to why or how. It's fraud by Experian with no proof or no document to justify there findings. Experian has committed fraud with nothing to support there reply. Experian has nothing documented to provide me just words with no support for the Inquiries that are not supported. Nor can they prove I applied for that many auto loans. Experian has promotional things I did not consent for after opt out in XX/XX/XXXX.

I still see promotional things after the opt out.

The hard inquiries need to be proved by Experian and stop saying I applied for credit with no proof to show with out documentation. This was fraud on Experian. If the companies showing Experian needs to provide the ones showing my consent by my signature.

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 2019-03-19
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my computer was hacked and i identity was stolen and i never applied to citibank/XXXX  on XX/XX/2018 and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed

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 2018-09-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX American Express served my old residence and sued me won a judgment for XXXX + interest. This was included in my XXXX in XXXX. When I changed the title from a trust into my name in XXXX a lien went on my house. 

This is illegal for them to try to collect. It is illegal for them to record a lien 5 years after a discharge of a XXXX Bankruptcy. This must be enforced and I will never stop with going after them if they force payment. I had an attorney say they will owe me for a lot for sanctions, penalties and court fees if I take them to court. I will also have them pay for my attorneys. I want them to remove the lien in XXXX XXXX court and remove it from my credit report immediately. 

I may start a class action suit if this doesn't go away with countless others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Paypal Holdings, Inc
State: NC
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:
Made a purchase with Seller info XXXX XXXX in the amount of {$40.00} on XX/XX/2022, using Paypal services. Never received the item. Initiated the dispute requesting money back. No resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: SC
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 is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law.

Company response to consumer: Closed with explanation