BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX XXXX XXXXlso known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000. 

The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it. 
In the 6 years I have had the car I had to skip payments maybe 4- 6  months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX  who XXXX and XXXX XXXX   through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year. 
My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off. 

They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company. 

I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander. 
This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in  XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last year our mortgage was sold to Midland Mortgage ( not our choice ). At some point we asked them about their assistance program to see if we could lower our monthly payments. They recommended we do a 3 month trial period where we pay a smaller mortgage ( was literally only {$200.00} less a month than we normally paid ) and at the end of this trial they would send us new terms to look over. Well NEVER did they mention to us that A ) this would be a HUD loan they would be trying to get us to do and B ) that this would affect our credit score. Obviously once this " trial period '' was over, we declined the new terms and said we were not comfortable doing a HUD loan. At this point we just had to pay the {$600.00} total that we were not paying during the 3 month trial to make the trial period over and we would go back to our normal terms. They ended up reporting to the credit bureau that during those 3 months we were delinquent. I have statements showing they requested a {$200.00} less a month payment and we paid what they requested. NEVER did they tell us ( not even AFTER we told them we did not want to proceed with the new terms after the trial period ) that this would affect our credit. I have called the company MULTIPLE times and talking to their customer service is HORRIBLE. They are rude, know nothing, and do not offer to help at all. Apparently there are no bosses or managers at their company when you ask to speak to someone above the customer service rep. I will at this point be fighting it on my actual credit score. We have had 5 different mortgage companies in the last 3 years due to our mortgage getting sold. Midland Mortgage is by far the worst company. I have never gone online and written a bad review about a company before until now. I would never give this company a dime of your money. They will take advantage of 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My wallet was stolen out of my car awhile back. I immediately reported it to the police once I found out. I believe I could be a victim of identity theft as I had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020, I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. 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 2019-02-25
Company: EQUIFAX, INC.
State: AL
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 inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: M&T BANK CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and  received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. I have also been charged a XXXX account fee for 7 months while said account was locked.

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 2019-05-29
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns XXXX XXXX keeps calling my phone to try to get their payment for my washer and dryer. I have no problem paying for my items as Ive previously stated to them. My account is on auto debit but for some odd reason, the payment never goes thru, even tho there are funds in the account. As of today, XX/XX/XXXX, I have been called by Conns nearly every 30-45 minuteseach time from a different number. On Sunday XX/XX/XXXX i was called 7 times between 1pm and 5:17pm!!! Its ridiculous! No voicemail is ever left, no emails are sent. I have asked them to please stop calling my phone repeatedly as I am a XXXX  in the ER, and having my phone ring this frequently interrupts my ability to care for my patients. Just since 7am today, I have been called 7 times. Please do something because this amount of calling is harassment and is interfering with my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at XXXX XXXX to make purchases. 
This account now transferred to Portfolio Recovery Associates as a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: Atlantic Recovery Solutions LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received text messages past XXXX pm, which is unreasonable. I have unfortunately deleted most grievances regarding phone calls but I have asked them to stop calling my parents, and they have promised they would stop, only to continue, as well as calling me upwards of 5 times a day. I have spoken to them regarding the debt and asked them kindly to email me and stop harassing me but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a Dispute on XX/XX/XXXX for Case ID : XXXX XXXX track ( third party website ) is showing that USPS Delivered the item.

But when I go to USPS website they are not showing tracking information for this item I did not receive this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 fraud inquiries with Transunion and for the past month I have been trying to get them deleted but they won't delete them at all.

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 2021-02-25
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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

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 2017-08-05
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: Account status incorrect

Complaint:
On Experian it 's listed as " XXXX XXXX XXXX XXXX XXXX '' and on XXXX and Experian it 's listed as " CT XXXX XXXX XXXX XXXX ''. I am attaching a few documents. One is my payment history with this account. My responsibility to this account is {$180.00} a month. I have not missed one payment, yet my current credit report lists this account as missing 7-9 payments. Also the CURRENT PAYMENT STATUS is  still listing at 120-149 days late which is not true. Payment breakdown below with sheets attached : XX/XX/XXXX {$2800.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX XX/XX/XXXX {$540.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$190.00} to XXXX XXXX XXXX Please update this to ACCURATELY reflect that I am current on this and not past due. As you can plainly see from the payment sheet attached I have not missed any payments ( at least none that I know of ) in the past 13 months. I have not received any bills or notices from this creditor in the past year. Not one! You 'd think if I had n't paid this in 14 months and was past due Id get a letter or notice asking for payment. This false information and outright misrepresentation of this account is costing me XXXX points on my FICO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.

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 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calls.. already told them that that was included in my bankruptcy and gave them the bankruptcy case number and they kept on arguing back with me that I needed to pay them.. last call was today XX/XX/2019. Portafolio Recovery XXXX XXXX and XXXX XXXX. They are all showing on my credit report and lower my score from a XXXX to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 have a credit card that was paid off years ago, and they still report late payments, its killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Mr. Cooper Group Inc.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019- We are a senior couple. We purchased a home and closed on it a year ago with XXXX XXXX. 5 months ago the note was sold to Mr. Cooper. 
Although we make our home payments with escrow, these companies did not and are not paying the home insurance on time! 
This leaves our home uninsured and uncovered for risk. We live on the Gulf coast in a high rsk area. After the time has lapsed they have submitted insurance payment but we received virtually zero coverage for the alotted time. This happens because these mortgage lenders control the escrow money and it's dispursements. 
Basically it is robbery since we have never been reinbursed for time ( s ) our home was not covered due to their neglect. 

Mr. Cooper purchased our loan ( 5 ) months ago. They too held our money paid into escrow. we called and they told us we could NOT close our escrow with them and pay our insurance and taxes ourselves! Our insurance went into default with Mr. Cooper 's escrow! We had to pay an additional {$500.00} because of their neglect to pay ( while they withheld all our insurance money in their escrow! 
Our insurance agents date and time stamped requests for money went unanswered! 

Last year during Hurricane Micheal XXXX completely neglected to pay our FEMA flood insurance. Astonishingly they paid it LATE -on the very day that the hurricane had already PASSED our area. You guessed it, no refund and NO refund. XXXX had our insurance money in escrow at the time. We basically got zero coverage for the hurricane! But we Still HAD TO PAY and that was on time! 
It MUST BE NICE to charge people for insurance, and enjoy a virtually RISK FREE profit. 
We are quite upset that we have had to not only endure the risk but also pay the fines when they are Neglectful. 
Mr. Cooper has refused to close our escrow account. How can it be legal for them to FORCE us to use a service they are pretty bad at? Every time they pay our bills late in the escrow it costs them nothing and profits the insurance folks risk free bottom line-

Company response to consumer: Closed with explanation