BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ).

I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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:
As stated before, Experian continues to report fraudulent information on my credit report file. XXXX XXXX XXXX XXXX  ( XXXX  ) on my credit report file is fraudulent and from identity theft. Experian shares they contacted XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and that XXXX identified the account as accurate. 

Of course XXXX are going to say that the mortgage account is accurate as they were the ones who approved the fraudulent mortgage account. 

I sent police reports, identity theft affidavits and FTC identity theft affidavits. I filed a accurate police report sharing I am a victim of identity theft. That report should be sufficient enough to remove that fraudulent mortgage from my credit report file. 

I am requesting Experian to remove and delete this account from my credit file as per my attorney or we will file a law suit for damages.

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 2018-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke with XXXX XXXX at Portfolio Recovery to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/XXXX and final payment was made on XX/XX/XXXX.  I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: SUNTRUST BANKS, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX of 2015 I went to SunTrust bank To open a check account in my employer giving me a fake check that I had no idea and now I'm unable to open up another account at any other bank

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 2018-03-28
Company: EQUIFAX, 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:
XX/XX/2018 I am being hit with 2 Hard Inquiry 's from XXXX card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
i have had an account with coinbase.com since XXXX and have been a great customer without issues. on XX/XX/XXXX i tried to purchase some virtual account with my account, then i got an error that my account has been XXXX. i taught this may have been for my security but when i contacted support, i was informed that my account has been closed.

i ask the reason and they declined to give me one not even an email notice of any sort. please investigate them 1 ) the stop buy and sell orders whenever the price of virtual currencies are % 30 to the upside.

2 ) i would at least want to know why they closed my account ( i deserve to know its my account ) 3 )  They have my personal information and i want is disposed from their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Three percent rate is almost 800 percent, took two loans out first loan, I payed back in full, second loan I got sick, and the money I have payed them has been more of what I have taken out, and they still want XXXX which is a joke, but I still said I will pay XXXX a month until its paid off but 800 percent is so crooked, give me a break, thats a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 On XX/XX/XXXX I received a phone call from Hyundia Motor Finance about billing, during the conversation I asked what is needed today to bring the account current, I also advised the customer service representative that I was very concerned about any late payment applied to my credit report. I was told if you make a payment today in the amount {$460.00} plus a processing of {$7.00} NOTHING will be reported to your credit report, she continued to say all calls are recorded as verification therefore, I agreed. A payment was made at the time of the call. ( Hyundai Motor Corp sent me a letter for payment confirmation ) Five days later I get a notice from all Reporting Agencies / Late payment ( s ) reported by Hyundai Motor Corp.

I followed up with Hyundai Motor Corp. with a letter addressing this issue, no response back, now they sent it to collections.

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 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bank of America ( " BOA '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after BOA puller their business out of most of Maine. Prior to the transfer BOA agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however BOA continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without BOA 's action. We have asked BOA to remove the negative item from our credit reports, but the company refused to do so. Given the fact that BOA has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

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 2018-08-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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 called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. 

I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed by someone calling me from XXXX police number to scam me out of 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 2019-09-04
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act. Additionally, their law firm Gurstel law firm sent me a letter stating XXXX XXXX is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. XXXX XXXX fails to handle this claim in good faith and keep giving me the run around including sending these debts to Gurstel law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BROKER SOLUTIONS, INC.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My purchase of my primary residence with New American Funding has been rescheduled 3 different times. Two of the 3 times happened while at closing. The first one I was informed via email and the second no one called at all. The customer service has been absolutely horrible. The representatives I have worked with lack communication skills and professionalism. I was supposed to close on XXXX. It is XXXX and I still don't have keys. My utilities were transferred, I have had no electricity and no hater and no one seems to care. They will not offer any lender credits or anything else to accommodate for the horrible service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i applied for my XXXX XXXX mortgage modification. Mr. Cooper only allowed thier standard modification. I can not afford this, and i have the right to be considered for the XXXX XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PENNYMAC LOAN SERVICES, LLC.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft PENNYMAC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, I received my monthly statement on my Citibank double cash credit card and noticed 4 transactions from XXXX that I know I did not make. The amounts of them were {$73.00} on XX/XX/2021, {$85.00} on XX/XX/2021, and {$110.00} on XX/XX/2021. I promptly called Citibank on Saturday XX/XX/2021 @ XXXX XXXX  EST. And it lasted 18 minutes. While on the phone with the representative I told him about the 4 fraudulent charges from XXXX, 1 of which was reversed by them, and he said he was marking those other 3 charges that had not been reversed as fraudulent and they will be investigated by their fraud team. Everything with that part was fine. Its all as it should be. My problem occurred right after he told me that part about the fraud department investigating them he then informed me that the investigation can take up to 30 days so they recommend I pay the full balance if I do not want to be charged interest on the fraudulent charges. This is regardless of me staying that I believe they are fraudulent because all my XXXX charges get out on my XXXX XXXX card specifically for the purpose of being able to pay over time with 0 % interest or earn a lot of points. It doesnt make sense. If Citi says they offer zero fraud liability protection on my credit card which, they claim they do, then those three items should be taken off my statement and moved to zone for the fraud department and they can accrue interest if they want while in there but, not in my current statement. I know that once the investigation is done these items will be declared fraudulent because I didnt make those charges on XXXX on my Citibank card. So I wouldnt have a problem with that. But the rep specifically told me that if I dont pay the full balance I will be charged interest which will be reported to the credit bureaus. This bothers me and I feel like Citi lied about zero fraud liability on my card as I reported the fraudulent charges but, they still charge me interest on these fraudulent items until their investigation is over which can take up to 30 days. And in that time can report that to the credit bureaus. I pay my bill in full every month so as not to be charged interest and not have that reported to the credit bureaus. It just seems like a lie that citi says they provide zero fraud liability yet they still recommend / encourage you to pay the balance so as not to be charged interest on the fraudulent charges. The rep couldnt do anything about that he said he was just informing me of the policy. I think its wrong and misleading to claim they have a zero fraud liability but, then not say that youll still be responsible for the interest on them.

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 2021-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a Cease and Desist letter to Portfolio Recovery Associates @ XXXX XXXX XXXX. XXXX, Va XXXX that was received by them XX/XX/2020, according to USPS tracking information, however they keep calling my home even though the debt they are trying to harass me to pay is more than twenty five years old. 
They are calling on average 3-4 times a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: WI
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 have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and XXXX XXXX say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit score.

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 2018-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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:
I am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed I have sent police reports to all 3 credit bureaus.

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