BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/XXXX i had serious XXXX XXXX. XXXX XXXX XXXX XXXX. Fell behind in monthly payments to Barclays card account # XXXX. Caused by not working during this time of recouping from XXXX '. Called Barclays to discuss hard ship account handling as they offered me assistance. Notes of telephone chat on XX/XX/XXXX are included. Clearly understood what i heard from rep over tele thus my notes are accurate. Rep ' name was XXXX ( spelling? ) at Barclays. I started paying agreed to payments right away. EAch subsequent month was paid on time. THE ISSUE, WE AGREED TO DUE DATE BEING XXXX-XXXX BUT THEY show due date as XXXX. I'm retired so i only receive pension income once monthly on XXXX wednesday. The due date agreed to would allow me to ALWAYS BE ON TIME by XXXX monthly. They've reported me late every month now under their HARD SHIP agreement, to each of the bureaus. BArclays has caused me great harm in their poor handling of this HARDSHIP account. NOT once have i been late on ANY monthly payment due date of XXXX. Further, they have added to my balance other charges NEVER agreed to. ALSO, bank records are proof herewith that each and every monthly payment was on time for the agreed to due date of 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 2021-06-03
Company: EQUIFAX, INC.
State: LA
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:
Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXXXXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/17 three negative references on my credit report by Gold Key Credit were reported to you. The vendor reported that they would prove my obligations or remove them along with any negative credit reporting. 
No information was received from Gold Key. A temporary increase in my Credit score was  observed while they placed the debts in dispute. The alleged debts have now reappeared as charge offs. I continue to dispute the validity of these debts and the company 's manipulation of my credit history based on unfounded debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would like to settle my debt, however the phone number has been disconnected CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-06-18
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary residence loan was sold from XXXX XXXX  to The Money Source ( TMS ) in XX/XX/2019. 
Since then, TMS has notified me & billed me for an ~ {$1800.00} Escrow shortage and began billing this XX/XX/2019. I have notified that this balance is inaccurate as neither my insurance nor my property taxes have increased to a sum of {$1800.00}. 

I have requested for summary on three occasions spanning several months, however, TMS has no provided such and has given no timeframe to do so. I have paid in good faith for XXXX, XXXX, & XXXX, totaling XXXX {$480.00}, and still not received any information to support this claim. 

TMS appears to be content with charging me additional money on my mortgage without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: FC HoldCo LLC
State: GA
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:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

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 2021-06-03
Company: CAINE & WEINER COMPANY, 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 do not owe CAINE & WEINER COMPANY INC, this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CURO Intermediate Holdings
State: TN
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:
In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX  stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to get a temp unfreeze of credit. I was able to easily do this with the other 2 agencies, XXXX  and XXXX, but the Experian process is antiquated and did not work. I answered id verification questions correctly but the system hung up and then blocked me. They want me to send ID documents and SS num in the mail to them, which I am not comfortable doing. There is no way to talk to a live person. There service is horrible.

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 2019-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The week of XX/XX/XXXX i phoned USAA to ask what was the best way to set up a Bill Pay and have a live checked mailed to the USAA Branch for deposit into another USAA Members Bank Account. The representative advised me to make the payment payable to USAA Federal Savings Bank with the address of XXXX XXXX XXXX XXXX XXXX, TX XXXX, which i did. On Friday XX/XX/XXXX I scheduled a Bill Pay of {$500.00} to this Members account for deposit, which was, by no fault of mine, sent to the wrong line of business within USAA, This money was sent to USAA Property and Casualty electronically, instead of being sent to USAA Federal Savings Bank in check form as i put on the Bill Pay Instructions and now these funds are lost. I called Saturday XX/XX/XXXX and explained all this and the representative started a dispute, my account has yet to be credited. This was not my error and I should not be suffering and out {$500.00} while USAA researches their mistake! As of XX/XX/XXXX, I still have yet to hear anything so, I submitted a second dispute on USAA.Com and called after and spoke to a supervisor named XXXX at ext XXXX who assured me I would receive a temp credit while the dispute is processed and i would received that within the next day or two and it is now 3 days later and I still do not have a credit on my account. I have been calling XXXX for the last 2 days and have not received a call back from her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: FC HoldCo LLC
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:
On XX/XX/2019 Flagship Credit Acce add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and and can send a bill and say its mines. According to the FCRA. Flagship Credit Acc has violation my rights as a consumer and I'm requesting legal action to remove this account immediately. 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 2020-06-18
Company: Experian Information Solutions 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 was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with 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 2020-08-19
Company: Experian Information Solutions 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:
Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both Experian and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both Experian, XXXX and/or XXXX as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act 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
Consumer complaint received 2019-09-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company IC System sent me a notice of a debt, I disputed and asked them to no longer contact me. The company totally ignored the law and sent me another letter that included a Driver License that violates the privacy act of sharing private/protected information with third parties. My complaint is the company deliberately ignored and broke the law by sending me a letter after I clearly stated in writing to no longer contact me. They also included protected information that should not have been shared with third parties. I have the letter as proof. Please help me for I am concerned they will continue to harass 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 explanation
Consumer complaint received 2020-05-20
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report

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 2017-01-30
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I used to think I was really good at finances but have come to the conclusion that I am gulable to people that make things sound like a good deal. It turns out that I realize that the person who helped me with my home loan back in 2004 was quite the sweet talker. He convinced me that changing to XXXX I could save money by consolidating all my bills and vehicle payments into one payment. I should have realized that most mortgage people do n't call you up at XXXX and talk to you until past XXXX putting in family talk along with business. The first time this happened I was happy because I was underwater with credit card bills and he said he could make everything go away. I was self employed and no other bank would help me. He said he would handle the whole thing. He got my payment at {$750.00} which I thought was great but thought some of the fees were high but he said it was just the way he put figures around to make it pay all closing costs etc. XXXX XXXX had just helped my girlfriend who was unemployed save her house and she said it would be worth it so I did. A few years later he once again was approaching my friend and helped her again this time she was XXXX and still unemployed. He asked her if I might be interested in refinancing and I fell for his sweet talk and refinanced. I have had at least XXXX different mortgage companies including XXXX, XXXX XXXX, XXXX, XXXX, Homecomings, XXXX, and my current worst of all Ocwen Loan Servicing. Ocwen has given me false information and recently since I have become XXXX led me to believe I could get help with the Obama refi. I 'm only allowed to talk to my relationship manager XXXX XXXX and that 's by appointment. Another long story where it takes almost 4 weeks for each appointment. This last appointment when I took him up on his promise to remove some charges if I could come up with the amount I was behind he practically called me a liar. 
Is there anyway I do anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I made my mortgage payment to Ocwen Loan Servicing , LLC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone # XXXX XXXX. My payment was not applied based on my ( 30 yr fixed ) payment being raised by {$290.00}. 
Ocwen 's ration ; the escrow account is XXXX due to an increases in insurance and property tax. In checking with my insurance and and XXXX county tax office there were no increases. My taxes have not been paid since XX/XX/XXXX including {$520.00} in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions 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 disputed the age of a medical bill at least 4 different times including sending proof of the age of this bill. It is over 7 years old. Credit Bureau says collection agency is verifying the debt yet no one can provide any proof of the debt. I was able to have the original creditor track down proof of the age of these debts from a storage unit. I sent those in to Experian and 3 days later got a response that collection agency verified and it remains. Of course the collection agency is going to say its balid they want to collect on it. Im at my wits end and need help getting this updated on my report.

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 2018-02-02
Company: Braviant Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX   '' and I, informed XXXX XXXX  of our finicial hardship. We ask XXXX XXXX  to work with us and informed iloan of our goal to avoid Chapter XXXX   bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX  to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX  i ask why my interest rate was set sooo high.

I am Veteran in process of becoming a XXXX  Veteran.

XXXX XXXX  has also threatened to sue me and refused to work with me.

I have not recieved a default letter by mail nor e-mail XXXX XXXX  refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms.

XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments.

I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan.

I was never sent a default letter my email nor by mail, XXXX XXXX  is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.

Company response to consumer: Closed with explanation