BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep sending this same letter that i upload to the CFPB but this company still lies to u and tell u that they send a letter out to me but its always a copy of an bill from anothe debt collect saying i owe them and when i ask for proof of burden or show me were i agreed to a contract or any debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX I returned my XXXX  leased vehicle to my XXXX dealer. The lease was financed through GM Financial. As part of the agreement to re-lease a newer vehicle, the dealer took care of the negligible mileage overage and it was a clean return. This was confirmed by GM Financial on multiple occasions, both in writing and later by phone. In XX/XX/XXXX I received a phone message from an unidentified caller asking me to call back, never saying who they were with or the nature of the call. I believed it to be a spam/scam call. When I received the call again in XX/XX/XXXX, I did return the call to find out it was GM Financial. Note : I have two current leases with GM Financial and have never been late on any of them. Initially, the representative could not determine why their system had prompted them to contact me, as my accounts showed current. Upon further investigation they showed a $ XXXX remaining balance on my RETURNED lease account but indicated that it should have previously been removed from the account and apologized for their oversight. It should also be noted that at NO time has GM Financial sent me anything indicating that I owed anything on the returned lease. On the phone, they indicated that the {$5.00} charge was due to an error on their end. I was assured it would be corrected. It was not until I inquired further, that it was revealed to me that our account ( my husband is co-owner ) had also been negatively flagged as late for the past several months and reported to the credit reporting agencies. I was assured at the time that the account would be cleared up preventing further negative ratings and that the erroneous negative delinquencies would be corrected. To date, I do not believe this has occurred and am unable to get resolution through GM Financial. I received another unidentified caller message again today. So I can assume they are once again calling because it still shows " late '' in the system. Our previously excellent credit rating has dropped considerably. We have had long-existing credit cards which have lowered our limit due to our negative rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Signed and purchased house XX/XX/XXXX with XXXX XXXX. Husband lost job due to Covid in XX/XX/XXXX. Contacted XXXX Mortgage before my XXXX payment was due and they said the only option would be to do forbearance. Since I was not past due I could do 3 months and extend if necessary then I would be able to defer to end of loan. Mortgage company was then transferred to new mortgage company PHH Mortgage end of XX/XX/XXXX. Scheduled first call with Relationship Manager XX/XX/XXXX. Received call for another rep. saying my Relationship Manager was busy but he wouldn't give last name only id #. He said I couldn't stop forbearance and would need to remain on forbearance. Couldn't setup account online to make payment. 10+ scheduled appt with Relationship Manager and received another rep each time only giving first name and id #. Requested supervisor or management contact me many times. Was given incorrect information every phone regarding my loan. I have documented every conversation with dates, times, person name, id # and incorrect information given. Also have a box of letters from PHH with mismatched information, some even dated same date received by mail on a separate date saying two different things/information regarding my account. Was told would need to do loan modification application but a rep submitted wrong application and was denied. Had another rep submit the correct loan modification application and PHH came back and said I have a judgment or lien on house from XXXX  XXXX dated XXXX. I do not have any debt with XXXX XXXX. Verified with XXXX XXXX and by running my credit report. During this I was finally told I could start making my monthly payments by phone for XX/XX/XXXX. Went to make XX/XX/XXXX payment by phone and was only given option to pay total amount owed of XXXX even though I attempted to stop the forbearance back in XX/XX/XXXX. I have emailed PHH requesting a transcript of all phone conversations with the many different reps over the last 6 months. Have another scheduled appointment tonight with Relationship Manager but at this point I'm not even sure this person actually exists. I have hours and hours of time missed from my job because of each conversation with PHH being over an hour long with never getting resolutions.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Fay Servicing, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My husband and I separated for about one year when we were living in XXXX. I am not sure what year but somewhere XXXX. He moved to XXXX and bought a duplex. He lived on one side and rented the other out. When we got back together he rented both sides out. My husband filed for bankruptcy XXXX. I did not file. The apartment in XXXX was on XXXX XXXX. I dont know the address but it went under foreclosure. My husband just passed away in XXXX. Now that Im getting ready to buy a house, the finance company ran my credit report. To my surprise I was listed to have that foreclosure in my name. So I called you, and I was told to contact Fay Servicing. Which I did and the lady told me to contact you. I told her I already did. Next she told to use email to file a dispute. I did that XX/XX/XXXX. The email I got back said Id hear from them in XXXX hours. So on Tuesday XX/XX/XXXX, I called back. The woman said give till the XXXX because of the holiday they were behind. They just sent an email today on XX/XX/XXXX. The email was a joke! It asked me to send a copy of what I was trying to dispute ( which I already did ) and told me again that I should send you a letter about the dispute. I contacted XXXX XXXX NC of register of deeds and was able to make a copy of it. My name is not on it. Please help me take care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One ran my credit without asking for identification verification, and will not look into this inquiry unless I send hard copy documents into them via mail. They're in the wrong and make it difficult to fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX sent money over to Wells Fargo that was meant to go back to XXXX app. Please see attachments for more details/clarification on this issue.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
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:
To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-01-11
Company: EQUIFAX, INC.
State: VA
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:
According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but experian is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2017-11-05
Company: CITIBANK, N.A.
State: CA
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:
In late 2016 I received an email from XXXX XXXX XXXX offering me XXXX bonus airline miles if I got their credit card and spent $ XXXX dollars with it within 3 months. Before applying, I called them to verify that I was eligible for the promotion, since I knew I 'd had a similar card at some point in the past. I was assured that I was qualified for the miles. I got the card and spent the money, noticing some time later that I had no bonus miles. 
I called XXXX XXXX XXXX to complain, they told me that I was NOT qualified for the miles, since I 'd had the same card in the last 3 years. They explained that they did not positively verify eligibility in advance, only AFTER customers get the card and charge the required amount. I feel this is fraudulent advertising. I cancelled my card immediately. 
Only now, XXXX XXXX XXXX has again sent me an email saying I could get the same bonus miles with the same card. This is something both they and I know I am NOT qualified to receive. This is a fraudulent offer. I 've attached a screenshot of the email I received today. It includes my XXXX member number as a reference. I 've also attached the final bill from my cancelled 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 non-monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
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:
There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Credit Shop, Incorporated
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is the month I got behind trying to get current, monthly payment are XXXX so I filed a HAF application and it came back denied saying I didn't turn in all the document but I did, my mortgager is Newrez and I'm in communicating with loss mitigations. Not in the 90 day window yet for foreclosure been making half payments. My employer reduced my wages is the reason I'm behind just need some help bringing me current!!

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