BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from a company called Direct Recovery Services ( XXXX ). They are trying to collect a debt for someone by the name of XXXX XXXX. I have informed this company over and over that this number does not belong to anyone by that name. I have asked them several times to remove my number from that account and to stop harassing me. This company calls multiple times a day and will not stop calling. Again, I am not XXXX XXXX, this isn't my debt. How can I make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I was placed on forbearance from XXXX 2019-XXXX  of 2019. This forbearance was given to me due to XXXX which was a tropical storm. I had a conventional loan which states the forbearance can assist me for up to 6 months consecutively. 

Freedom Mortgage reported to the credit bureau that I have late payments that were over 90 days. These readings are imperatively degrading my credit report. 

Also, immediately following this 1st forbearance I was placed on the Covid-19 forbearance in XXXX. I had no gaps between the disaster forbearance and the Covid-19 forbearance. It is my understanding that during the 1st forbearance I would be covered for 6 months since I have a conventional loan. 

I have since paid off my loan in full but now my credit report is reading that for the months of XXXX and XXXX I was over 90 days in late payments. This is impacting my score immensely and it is making it impossible to proceed with a new loan for a new home. I would appreciate your help with this very important matter. 

Best Regards

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 2018-07-13
Company: EQUIFAX, INC.
State: MO
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 he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 applied for a XXXX XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Financial Asset Management has reported this collection to my XXXX  credit report with the current balance of {$4300.00} and an original balance of {$3300.00} and original creditor being XXXX XXXX. I contacted the company months ago to request a mailed written verification of debt along with the original date the loan was opened, the loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for since this student loan is unknown to me. The representative I spoke with at the time advised me that she would mail out verification of debt along with the open date for the loan, loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for. But I have yet to receive anything in the mail and this is still being reported on my credit report as a owed collection. I am requesting either the collection agency or the original creditor provide me with mailed written factual proof that this debt is valid and owed by me. Along with providing the date the loan was opened, the loan amount, the university the loan was used at, and the enrolled school year ( s ) the loan was used for. If my requests noted above can not be met in full then I would respectfully request this debt be deleted from my credit report with all bureaus reporting it and with no future reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a huge problem. My loan was at XXXX XXXX XXXX. The loan was in my brothers name that was deceased and his father in law. The mortgage was behind. I contacted XXXX, and I made an application for a loan modification with all the information they required, death certificate, title of home ( which is in my name ), small estates affidavit. 
For over ONE YEAR, I was receiving mortgage statements with my name on it. I have all documentation showing so. All of a sudden, my loan was sold to SPS. I was never informed of it. It appears someone changed the mailing address on my mortgage and the ownership title of this.

This is unacceptable what SPS has done. I am the only one on title of the home, and I am the one who is responsible for the payments. I need assistance. Plus the previous lender, XXXX XXXX XXXX is drafting the payments out of my checking account and not crediting my new loan at SPS. This is a nightmare.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an account with Ally Financial on a vehicle that was totalled. I received an email on XX/XX/XXXX congratulating me on the car being paid off. XX/XX/XXXX I received a letter stating that I still owed {$1800.00} on the vehicle. On XX/XX/XXXX, I received a letter stating the vehicle was paid off. I have been attempting to work with Ally to resolve this issue and get this account cleared, but they have refused to help me and claim that they never sent the payoff letter or email. I see on my payment history where the payoff was made and reversed the same day. I finally received a call from their corporate office over a month later and they acknowledge that they sent the letter and would get back to me. They still haven't gotten back with me and won't answer when I try to call. Now their refusal to resolve this issue is possibly going to cost me my house loan for my family.

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 2020-12-09
Company: World Omni Financial Corp.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, 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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
California passed the Fair Access to Credit Act on XX/XX/XXXX. The cap on interest rates in California is 36 %. I took out my loan XX/XX/XXXX. My interest rate is 159.22 %. Opps loans refuse to update the contract. I am grossly being overcharged. I am requesting that this get looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.

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 2021-06-22
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of the pandemic, the servicer XXXX Mortgage provided a XXXX month deferment, and then transferred the account to SN Servicing at the end of the deferment period. Despite being unemployed and ill, I tried to bring the loan current. SN Servicing 's proposed loan modification required me to pay {$1200.00} per month for 5 years, up from {$790.00} per month. I declined the offer because of the high possibility of something going wrong for a house built in XXXX with maintenance requirements. As of now, I have paid more than {$4000.00} in catch up payments. A statement claimed that the investor would lock my online account because of the small payments I've been making and wants me to pay a lump sum in order to bring the account current. Prior to a personal matter I had stated I would attempt to bring the account current by XX/XX/XXXX, but a relative had to step in and make the small payments of {$660.00} and {$150.00}. I feel that SN Servicing, which handles distressed loans, has threatened me for defaulting on the loan despite paying off more than XXXX of the past due amount in less than two months. Rather than losing my home, I do not wish to feel emotionally disempowered because I am threatened with a loan I am very close to bringing current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Client Liaison, Citibank XXXX Response Unit Reason of review : Problems with ach deposit, managing deposit Checking account ending in XXXX Monetary Loss : {$2600.00}. Preferred solution : Refund of my balance {$2600.00} Per OCC Case # XXXX and CFPB Case # XXXX RESPONSE The deposit in question that Citibank feels does not belong to me ... You have stated that if i believe it does belong to me, for me to send documentation. I am sending the documentation that shows the deposit does belong to me and was sent to my checking account. thank you for you time, i have left many voice mails and tried calling different channels but have not gotten a response. I appreciate your assistance in the matter and look fwd to getting this resolved as soon as possible. I hope that this information reaches either you or someone that can see my information and my verifying documents and see that this has been one big mistake on Citibank part and can refund my balance since my bank account was already forced positive balance closed for no reason i hope to be recieving the refund in form of check in the mail for my remaining balance that does belong to me from Checking account ending in XXXX. Account has been closed. The deposit amount in question was withdrawn as other description and not refunded or allowed for my use I HAVE ATTACHED THE DOCUMENTS THAT SHOW THE PROOF THAT THE DEPOSIT DOES BELONG TO 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 monetary relief
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One credit card is in violation of federal Equal Credit Opportunity Act because they have denied me credit without giving me a fair process and my credit decision Capital One stated that there was an extended hold on my credit report what they were going to contact me in order to verify my personal identification they have not contact me during the application process and have denied me my right to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PNC Bank N.A.
State: ME
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:
On X/XX/17 I paid off my PNC Bank Visa card on the phone with a representative of the company. The amount was {$3900.00}. I double checked to see that this would be the final balance, no additional funds required. I was assured this was so. I called them the next day, X/XX/17, to be assured the account was closed, free and clear and was told I had a XXXX balance. Yesterday, X/X/17 I received a bill from them for {$38.00} in interest. I called them to question this. The billing date on the statement was X/XX/17. They told me that I owed interest to them. I talked to four different people, going up the supervisory ladder, to try to get the amount removed, knowing that if I refused to pay it would affect my credit. I was told by every person responding that they could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Macy 's card since 2008. Unfortunately, I did not catch this fee, but they have been charging a credit pro fee on my account since I opened the card. I know that I never explicitly consented to this. I receive paperless statements and pay automatically each month so that 's why I did not see it. I have been charged $ 1.00- {$25.00} additional on each statement for the past 9 years!

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the account.

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 2020-08-31
Company: Experian Information Solutions 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'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

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 2020-10-30
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I submitted written documentation requesting validation of this and also validation that this company medicredit has the rights to collect on this account ... at this time Medicredit has responded with a itemized bill from the original creditor but has not provided sufficient evidence for these charges nor have they provided proof that they can collect on this account .... I have asked this company to immediately remove this account from all three credit bureaus immediately.. XXXX  XXXX  and also XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation