BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

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 2019-03-30
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mr. Cooper continues to provide false information about my mortgage with them to the credit agencies. They have reported to XXXX that it is closed ( lie ) and they report to XXXX the incorrect balance and NO payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting an account on my Equifax report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with Equifax. Equifax is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to Equifax. I will seek legal credit reporting assistance if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Information belongs to someone else

Complaint:
Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I can't get the PMI removed. I can't get a straight answer. No will return my call.

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 2018-06-22
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Refuses to remove public record inaccuracy sent letter to the court they have informed me that they have not verified any public record with this agency. They have not provided me the method they used to verify this debt and refuses to remove it or validated that I have filed bankruptcy

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 2017-08-01
Company: AES/PHEAA
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 contacted XXXX, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with Fedloan Servicing and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX DBA XXXX XXXX initiated 4 ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Chase Bank allowed these consecutive ach transactions and has not communicated with me or any of its customers, and thousands Chase Bank customers have been affected. Im trying to work with my bank, Chase to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening. Chase essentially is saying too bad so sad, we have no clue what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Lending Club Corp
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: SunTx Capital Partners
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX an additional payment was processed without my consent and when I called to complain, the company stated they would credit my account {$100.00}. On XX/XX/XXXX when I called to pay off the loan balance in full, I found out that I was only credited {$50.00}. The representative stated that he would credit me the extra {$50.00} to compensate for the {$50.00} that was not, and to date, there is still a balance of {$60.00} on my account, even after paying the stated balance of over {$28000.00}. I keep calling and asking to speak to a supervisor or someone who can rectify the issue and I keep getting transferred to various representatives and no resolution.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo Retail Services a Division of Wells Fargo Bank N.A with an address of XXXX XXXX XXXX XXXX NC XXXX is trying to report me as being late to the credit bureaus when in fact they entered into an agreement with XXXX XXXX XXXX out of California on my behalf. I hired XXXX to help me with my debt because of a loss of employment and health reasons. I was unable to make my payment, but entered into an agreement with CCC to negotiate with all my creditors. Wells Fargo was one of them. I was late with my payments and in XXXX I signed off on an agreement with CCC and they contacted Wells Fargo Retail Services on my behalf. Wells Fargo accepted an agreed amount of XXXX per month to receive as a payment. All past due amounts, fees and high interest rates were supposed to stop and cease at the very moment they accepted payment. But yet Wells Fargo is trying to report me as being past due to all the credit bureaus and that is not the case. They are saying i am past due XXXX and that is not the case. This is simply a case where this company agreed to a specific amount and are now trying to get more outside the scope of the XXXX agreement. This is nothing more than a Fraudulent attempt to reneg on their agreement with CCC. They are willfully trying to extort more money from me and trying to harm my credit because I am refusing to pay anymore than the amount that was agreed upon. My account is supposed to be reported to the credit bureaus as paid on time based on the terms and conditions of the XXXX agreement. I now may have to remove them completely from the XXXX program, default on the loan and leave them with nothing since they want to be greedy about this. Why continue to pay them an agreed upon amount each month for them to report as late or past due. This company has been found guilty of fraud int he past, they have agreed to pay multi-millions in fines because they opened up fraudulent accounts and now they want to pull this on me? Unacceptable.

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 2019-02-25
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been trying to find out how many qualifying payments I made on the Federal Student Loan Forgiveness program while I worked for a previous qualifying employer. XXXX XXXX keeps giving me inaccurate information ( for months now XXXX and now they are ignoring my emails entirely. 

I worked for a qualifying employer for student loan forgiveness ( XXXX of XXXX ) and made qualifying payments for approximately 21 months from XX/XX/XXXX through XX/XX/XXXX yet FedLoan Servicing says that I only made 10 qualifying payments, which is incorrect. It should be more like 21 or 22 qualifying payments. 

They have now refused to even answer my emails & are some of the most incompetent people I've ever dealt with. It shouldn't be hard to figure out the correct amount of payments & send me the correct information. I've called and emailed several times and they still can't give me the correct information. I hope this complaint will help them remember that they should never ignore their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, I learned that IRS placed a levy on my Social Security Retirement Benefits. This prompted me to contact XXXX XXXX and request my transactions. I needed a hard copy of my transactions. 

On XX/XX/XXXX, I received my request. To learn that another person name and a card number had been added to my debit card without my permission/ knowledge. 
The name added is XXXX XXXX XXXX, the last four digits of the card added to my card is ( XXXX ). 

This information was added to my account XX/XX/XXXX. You can check with Social security, to confirm that only my name should be on this account. The last transaction with that name and card number was done XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we had a closing on a Revese Mortgage on FHA XXXX. XXXX. A check in the amount of {$220000.00} was sent to HUD and cashed by the HUD on XX/XX/XXXX. 
( See Attached ). To this day the Department of Housing and Urban Development and their servicer CompuLink, Corporation have not executed a Satisfaction of Mortgage. 
This property has been sold and the open reverse mortgage still showing on title. 
It has been 10 months that the Reverse Mortgage was totally pay-off still showing on the property as a lien. 
I called FHA about 10 times, I received an email from CompuLink Corporation that it was sent to recording since XX/XX/XXXX. 
Total lie, I was today in XXXX XXXX XXXX XXXX to get a certifified copy of the Satisfaction of Mortgage and there is nothing recorded or sent to recording from CompuLink, Corporation related to this matter. 
So clients got hurt, their rate expired and now there are paying more in their purchase due to this inapropiate behavior form HUD and their servicer. 
Please help me to correct this issued. This is about making homeownership easy and affortable. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I recieved XXXX dollars into my paypal account on XX/XX/XXXX when i tried to transfer it into my bank account i was told i had to wait 24 hours. I waited and tried again. I was then told to wait another 24 hours. Today XX/XX/XXXX i wad told i was no longer able to do anything with the money. I have called over 50 times and they will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In late XXXX, I was in the middle of purchasing a home but COVID-19 delayed that process and the housing industry has been negatively impacted. In order to improve my chances at home ownership, I have been working with both a credit repair agency and all three credit reporting agencies to delete late items off my credit report as my creditors all stated that I have been paying my debts off as agreed and all of my accounts are in good standing. As of today, XXXX and XXXX has deleted the negative/derogatory remarks off my account except for Experian. It is a known fact that Experian makes money off leaving negative items on your credit report and all I am asking for is fairness so that I can fix my old financial situation so that I can buy the home of my dreams. I have been paying off my credit issues for the past 2 years and now I am in a great position to buy a home. My old credit score was a XXXX but due to hard work I was able to get it up to a XXXX as it currently stands. All I am asking for is for Experian to delete the 11 negative accounts that my creditors have all agreed to do. I have attached 4 documentations to show that the accounts are in good standing and that leaving these negative remarks is making it incredible hard to overcome the past 4 years of financial hardship. Thanks for reading my complaint and I look forward to a speed resoluton

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I got behind on my car payments and I notified CapitalOne on XX/XX/2018 that I was unable to make a payment on XX/XX/2018 ; however, I could make it on XX/XX/2018 via debit card since I got paid on 09/14/2018 and that I would also make a payment on XX/XX/2018 when I got paid again. This conversation was on a recorded line and in the company notes and approved by the representative I spoke with ; however, they repossessed my car at work on XX/XX/2018. When I called them 2 different people at CapitalOne confirmed that my payment arrangement for XX/XX/XXXX was noted in their system, but somehow it got deleted. 

They are now telling me they have to research the issue to determine if they made a mistake and obtain management approval. It could take 3-5 business days to resolve the issue. I am stranded without a car and have no way to get my personal possessions out of the car or get to and from work. My garage door opener is in my car so I have no way of getting into my house. I have taken on a 2nd job to get caught up and now I won't be able to work that job this weekend either. They are also saying if they determine that they were right in repossessing my car, I will have to pay the past due amount, late fees, and a repossession fee of {$520.00} within 10 days or my car will be sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. Bank of America, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: OH
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:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on Equifax XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus.

Please Delete ASAP.

Company response to consumer: Closed with explanation