BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my Credit File. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.

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 2022-10-29
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, on XX/XX/XXXX, I applied for the Wisconsin Help for Homeowners grant because I was unable to pay my mortgage. I was approved in XX/XX/XXXX. For the past 4 months I have been trying to get through to someone/anyone that can help at my mortgage company ( PHH mortgage ) so that WHH ( Wisconsin help for homeowners ) can release the funds to bring me current on my mortgage. Meanwhile on XX/XX/XXXX my mortgage company ( PHH ) served foreclosure paperwork. I have always paid my mortgage on time ( Ive lived here for 21 years ) through my battle with XXXX in XXXX, through XXXX and then getting XXXX in XXXX. My home has needed many repairs and due to my battles and illnesses I was unable to do any repairs. In XXXX I began finding contractors to repair my home, as it was becoming hazardous to live in. Due to me getting XXXX, having multiple XXXX, going through XXXX, me and my XXXX XXXX XXXX ( XXXX XXXX ) getting XXXX in XX/XX/XXXX and having to get my front sill plate repaired, porch roof that was leaking and causing mold, tear down the remaining damaged chimney, have siding put up, roofing and drywall to repair the hole in the house from where the damaged chimney was, I have not been able to keep up with my mortgage payments since XX/XX/XXXX ). I have called PHH numerous times ( from the person whoever answers the phone at that time, to the mitigation department to the escalation department ) to let them know that all the mortgage company need to do is complete the CDF process so that WHH can release the funds to reinstate my mortgage. This is why I was so confused when they served me papers for foreclosure in XX/XX/XXXX. I finally have a main contact person at PHH but she doesnt understand what the hold up is either and how to advance the process. I want to keep my home that I have worked so hard for, being a XXXXXXXX XXXXXXXX, XXXXXXXX XXXX, battling XXXX, going through XXXX and XXXX please help me get through to them and let them know that all they need to do is complete the CDF process so the state program WHH can release the funds to reinstate my home and allow me to keep my home. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-01-10
Company: SOUTHSTATE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my wife and I signed a Bill of Sale for the purchase a boat from a private seller. The sellers had a lien on the title. We decided to use the same bank the sellers used to facilitate a seamless transfer of the title, registration, and sale of the boat. 

The bank we used was SouthState Bank and we chose the branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The branch manager, XXXX XXXX, assisted with the loan process from start to finish. 

We closed on the loan on XX/XX/XXXX at the branch with the sellers present. Including in the documents we signed was an application with the North Carolina XXXX XXXX for a three year boat registration and gave XXXX a check for {$180.00} to cover the fees. She informed us that their back office handles the title transfer and boat registration and we had nothing else to do. 

While the NC XXXX processes the registration, we are given a XXXX grace period to use the boat as long as the Bill of Sale was on board while boating. During that period we had not received the boat registration. 

On XX/XX/XXXX, XXXX days after our grace period ended, I emailed XXXX informing her that we had not received the registration. I did not receive a response. I then called XXXX directly on XX/XX/XXXX and left a voice message indicating the same. I did not receive a response. I later sent a follow up email on XX/XX/XXXX. XXXX finally responded on XX/XX/XXXX, 32 days after my initial inquiry. 

XXXX informed me her " ... loan booking department stated Title was mailed to seller ... '' This was a mistake. The title should've never been mailed to the seller as it was simply a transfer from the sellers to us. She said they were working on it and will get it resolved. 

Subsequently, I emailed XXXX on XX/XX/XXXX to find out if they've received the title. They hadn't received it and I then asked if she should simply apply for a lost title with the NC XXXX XXXX. Her response was to send me a link to the NC XXXX 's website with instructions on how to do this. 

I also indicated to XXXX that I was confused as to why the title was mailed to the sellers. Her response, " I asked the same question and did not get a straight answer. All of our department employees are still working from home and there are only a select few allowed into buildings you are not the loan I am having issues with right now not an excuse just being honest. '' In essence, she's too busy to help. Meanwhile we're continuing to make monthly payments on a boat that we have no legal ownership interest in and we can not use and enjoy due to the bank 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have checked my credit report and I've seen so many inquiries on my transunion and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. 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 2017-06-15
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Incomm Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I bought a {$500.00} prepaid vanilla visa debit card in XXXX. I tried to make a purchase online and the card got declined. Called customer service and they told me i needed a replacement. They said they sent one and told me to wait 7-10 business days. After about a month, i called back, and they said theyd send a new one since the one they supposedly sent never arrived. After another month, it still has not arrived, and i can get no information when calling, other than i should wait. They will not provide a tracking number or anything for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) is attempting to collect a debt ( {$1300.00} ) that is allegedly past due since XX/XX/XXXX. The account was allegedly opened since XX/XX/XXXX, which is not true. They claim to have bought the debt from Synchrony, Paypal, ( XX/XX/XXXX ) and are attempting to collect on a debt that is over 10 years old. This is illegal in CA and they still report this to the credit bureaus. XXXX has been ignoring my request to remove this old debt that is past the statute of limitations in CA. XXXX XXXX can not provide adequate evidence that this debt bought from Synchrony is not older than 7 years. XXXX does not report this collections mark on my credit profile, while XXXX and XXXX does.

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 2017-06-15
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and saw a line posted b y Stella Recovery , Inc.,  saying I owed them a debt of {$56.00} and the Original Lender is  XXXX . I talked to  XXXX  and confirmed that not only I do not owe  XXXX  any money, but I also never had an account with  XXXX . I called  Stella Recovery and the person told me that the debt was from an address that I never lived before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, my aunt, XXXX XXXX XXXX ( deceased ), entered into a loan agreement with XXXX XXXX XXXX XXXX XXXXXXXX, for what she believed to be a 15 year mortgage in the amount of {$56000.00}. In fact it was a 15 year amortization with a massive balloon payment of {$42000.00}! I moved into the house with my aunt in XXXX of XXXX due to her declining health. I began to take over all of her affairs at this time, including the mortgage payments with a Special Durable POA. Aunt died on XX/XX/XXXX. I continued to make the payments to SPS until XX/XX/XXXX when XXXX took over and they began refusing my payments. I hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX to handle this for me because XXXX threatened foreclosure. When the probate was opened no-one presented a claim on the property and I was informed that they needed to do this even if there was a note. XXXX XXXX XXXX XXXX XXXXXXXX has different attorneys handling cases and I spoke with several of them through out this time. I am not sure what happened exactly but the point is that the house was foreclosed upon and sold within their own company ( XXXX ) claiming that the loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as a trustee for XXXXXXXX XXXX XXXXXXXX XXXX. This is how they continuously gave us all the run around about who to speak to. In XX/XX/XXXX I attempted to purchase the home outright before my aunt passed so that we wouldn't have the need to go to probate, but I was unable to secure financing and close on such loans because we were never able to get any documentation from the lender in the form of payoffs etc. This went on until my last attempt in XXXX of XXXX. I have been going to court and have been trying to resolve this but have gotten nowhere. I am being evicted because the house was " sold '' due to foreclosure and I don't feel that I owe them the amounts that they say I do and I feel it is unfair since the opportunity to pay them happened on many occasions and they refused to cooperate to make the transfer happen and thus just took my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I opened a up billing dispute with Bank of America on XX/XX/XXXX in the of {$390.00}, that check being received and cashed on XX/XX/XXXX, with Bank of America placing a stop payment on the check, due to a previous negative balance on business account ending in XXXX. Issuing out a new check with a offset remaining balance of {$310.00} check number ( XXXX ). Bank of America has stated the check was issued with a letter giving the reason for stop payment and along with a new cashier check to the address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. In which the check was never received by me ( XXXX XXXX XXXX ). 
After speaking to Bank of America they claim a cashier check was issued on XX/XX/XXXX check number XXXX in the amount of {$310.00}, which is inaccurate. I have escalated the issue with several Bank of America departments. Billing dispute, official items and risk closure, and fraud department, and none have been able to resolve the issue and reissue a new check for the balance of {$310.00}. 

After speaking with a Bank of America associate in the fraud department on XX/XX/XXXX, she recommended opening a fraud claim. After opening the Fraud claim and receiving a Fraud statement letter, to which was required to process the claim. The fraud statement was signed and notarized and faxed to Bank of America fraud department XXXX Several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After speaking to a Bank of America associate on XX/XX/XXXX, the associate stated no documents were ever received, and the associate opened a escalation to retrieve the documents. On XX/XX/XXXX, a Bank of America associates stated claim was denied in XX/XX/XXXX, reason : fraud statement never received. I have also forward the fraud statement to the Bank of America associate handling the fraud claim : XXXX XXXX at XXXX and also the fraud department XXXX. 
All emails were provided to me by an fraud department associate

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 2017-06-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover viol ated the civil law of California and closed my account without advance notice. On  XXXX  around  XXXX  PST, attempted to reopen the account and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received XXXX different credit scores see 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 2023-08-11
Company: Westlake Services, LLC
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 is missing that should be on the report

Complaint:
I have financed a car through US auto loan in 2021 and am still paying for it. Around XXXX the company closed down and my files/ loan went to westlake portfolio management. Around XXXX is when I noticed my payment history for my car was no longer available in XXXX XXXX, XXXX, or any website or app that allows me to look at my credit score and its history. It dropped my credit score nearly XXXX points!!! And yes, I am still paying my car, as my loan is 5 years long. Please help! 

PS, no credit cards or loans were opened around this time or prior.

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 2016-01-19
Company: Allgate Financial, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a judgement in the mail with the plaintiff as " Equable Ascent Financial LLC '' apparently the total amount I owe is XXXX. This is extremely disturbing as I have no idea where this debt has come from. I am currently purchasing a home and because of this judgment we will not be able to close escrow until it is payed off. I have been a victim of fraud in the past and this may be another fraudulent situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation