BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: Debt Recovery Solutions, LLC
State: GA
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:
There's a derogatory mark on my credit profile that I keep disputing due to a fraudulent claim or some sort of misunderstanding on the debtors part. Somehow, it keeps magically appearing on my report by different companies as if they're selling the debt to other companies. This is so frustrating. So much hard work has been put into my credit profile ; making payments on or before due dates, and not missing payments. This is appalling to me. I have nowhere else to turn. I'm tired of building my credit only to be faced with having to dispute an account that I didn't create. I've never been to the establishment that says that it's me who owes them. Please have this error removed. Thank you so much for your time and patience. Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
As of XX/XX/2019 the loan balance on my Nationstar mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 Car was involved in a car accident, how however the vehicle was partial pay off they had over charge with high interest balance in put in on my credit, showing that I was 120 days in which my insurance given them a settle amount already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX CFPB XX/XX/XXXX RE : XXXX I have recently been informed that there is negative information reported by XXXX XXXX  and US Bankruptcy Court of XXXX Maryland in the files maintained by Equifax, XXXX  and XXXX  under my social security number. Upon reviewing a copy of my credit reports I see the following entries : XXXX XXXX stated they started " FORECLOSURE PROCEEDINGS '' on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ( not sure which date is correct ). These are the dates that I have found on the reports. A bankruptcy was dismissed on XX/XX/XXXX from the XXXX Courts. 

I challenge the accuracy compliance and reportability of these listings for the following reasons : I have attached documentation pertaining to these derogatory conditions and I spoke to XXXX XXXX  and sent a Goodwill letter ( see attachment ) regarding the information. Please note that the property was a full sale and the Title company stated this was in no way a foreclosure and information should not have been reported on my credit reports. The Goodwill letter explained my circumstances and with that being said XXXX XXXX  granted me a lien release to have the " Foreclosure Proceedings '' deleted from my reports ( see attachment ) ; however, Equifax, XXXX  and XXXX  have not deleted this information from my reports. 

The bankruptcy information was followed up with a letter from XXXX XXXX and the court to have this information deleted based on the fact that this information was not reported by the courts and is considered to be false information on my report when they claim to have gotten the information directly from the courts. Please see attachments from the courts and XXXX XXXX. I contacted the court and asked them to verify this information and the letter states that the courts does not verify information directly with the credit reporting agencies ; therefore, I would like to have this information removed due to it showing the credit bureaus error in reporting my public records. I would like written confirmation stating this information has been corrected and updated sent to my home address listed below. 

Thanking you in advance for your cooperation in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CL Holdings LLC
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:
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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: Personal information incorrect

Complaint:
Experian Dispute Results : XXXX reflects a report for XXXX XXXX XXXX. This information is incorrect as I have never been identified as such. Experian is reporting New Past Due statements to XXXX XXXX on XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX and XXXX XXXXXXXX XXXX XXXX Account : XXXX. Experian states they will not conduct any further investigation unless new information is provided. XXXX has reported that they notified each of the the three credit reporting agencies that no monthly payment is due, therefore there is no new past due payment pending. XXXX charged off the four accounts and has abandoned collections attempts. XXXX is aware of my address should they seek to pursue collections post 1099 but has not. XXXX XXXX XXXX XXXX likewise has abandoned all attempts at collections and there are no past due payments reporting.

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 2018-12-31
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently had fraud on a bank account, that I have had with this institution for over 6 years. After going into a branch and speaking with a senior banker, about the fraud that occurred I was told that the account will be closed and I did not have anything to worry about. The talk with the banker happened XX/XX/2020 at XXXX and I was given a brand new account number ( called a Virtual Wallet ) and debit card to accompany the account. I walked away as a satisfied consumer until yesterday, XX/XX/2020, when I woke up to my brand new bank account with a XXXX balance and frozen. So I called the customer help line ( XXXX ) at XXXX est, spoke with someone named XXXX XXXX who was only able to tell me that I need to go into a branch. Apparently, the account that had fraud associated with it has not been closed. I was not contacted on my account ( Virtual Wallet ) and funds being frozen and inaccessible, as this is a huge inconvenience for me being the head of household for my child. The bank has not tried to contact me, neither written or verbally, to explain what has happened to my new bank account that I opened. Now, I am without any funds for supporting my child in the meantime ; until I am able to get more information after work. I was misled when I left that branch with my new account and bank number ; PNC is committing legal abuse and has caused severe damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Lowes CC and closed it years ago. At the time, as well as currently, I had opted for AutoPay, with a minimum monthly due to be automatically paid on the XXXX of each month. There has been no problem with my Autopay until XX/XX/2020. On XX/XX/XXXX, I logged in to my account and made an ADDITIONAL payment of XXXX, as I have scheduled ( for myself ) a series of additional payments every two weeks ( when I get Paid ) and will have my card paid in full by XX/XX/2020. I then made a payment of XXXX as well, As I am careful with my accounts and payments, I then went in to the CC section, payments scheduled .... and checked to make sure my payments of XXXX, XXXX AND my auto pay of XXXX were all accounted for. They were. On XX/XX/XXXX, however, it seems my autopay DID NOT pull my XXXX minimum. Although my XXXX did go through and my XXXX. My XXXX was then reinstated into my checking, making the CC look like I had made a payment less than my minimum payment due. I received a text from the CC stating that I owe XXXX in minimum and late fees. I called to dispute this charge. I noticed that Lowes CC DID NOT PULL MY AUTOPAY! I spoke with XXXX at Customer Service and she informed me that she would put through a complaint to look into the issue ( # XXXX ), which is fine. However, she told me that it would take 30 days to get an answer and that in the meantime, my next payment would be due and if I don't pay the XXXX before then, I would be assessed ADDITIONAL late fees as well as a collection notice! This information would be turned over to the credit bureaus. MY PROBLEM IS THIS! Do consumers not have the right to, when filing a formal complaint, have the amount disputed PUT ON HOLD, and ALL LATE FEES AND CREDIT REPORTING be held until dispute is settled?

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 2020-08-24
Company: Collection Management Holdings, LLC
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: Information belongs to someone else

Complaint:
I spoke with credit management company in XX/XX/2020 to set up payment on the medical debt they own of mine they offered to send the report to me because they have duplicated or fraudulently made up accounts which literally took my debt and doubled it, now I cant find a home or a better car to get to and from my XXXX XXXX XXXX and Im just highly disappointed that this company has caused more of a hardship on my life lately then this corona virus or anything else, I work hard Im a XXXX in the United States XXXX and Im sincerely trying but I want these duplicated accounts removed because I have failed to be able to contact them since they lied and said I could receive a report on the accounts they own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Personal information incorrect

Complaint:
on XX/XX/2015 the following addresses are not deliverable to be by the us post office and they are not reportable as per fcra since they are inaccuarte. the following addresses mujst be recomved immediatley as following XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX FL XXXX .... THER CREDIT AGENCY EXPERIAN is reporting FALSE INACCURATE ADDRESSES...

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 2020-05-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Upon using XXXX, I was able to access my credit report successfully from XXXX  and XXXX, however was unable to do so with Experian because I have lived at 3 addresses in the last 2 years ( the request form only lets you put one former address within the past two years ). Additionally,  because my extended fraud alert ( which lasts a total of 7 years ) was not placed at my current or former address, Experian 's software is not good enough to confirm my identity ( unlike that of XXXX  or XXXX   ). Additionally, it took me more than 7 minutes on the phone with a robocalling system with Experian because their system had significant difficulty recognizing my voice, particularly my apartment number. Additionally, due to COVID-19 and not having a printer, there is nowhere I can physically go to complete paper request forms and my building does not have a box for outgoing mail. Because of these flaws, I am stuck waiting 15 days to receive a report I am entitled to every week. This delay is unacceptable in comparison to your competitors and the service you claim to provide.

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 2019-04-24
Company: American Finance LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This company is a predatory lender. This company shut my car off on 3 different occasions for as little as {$48.00} and no more than 21 days late. This company has caused me so much stress it is unbelievable. The dealer never told me there was a cut off switch being attached to my car. If they did I would have walked away. The told me that someone would be out to install a GPS device so that in case of default on the loan they would know where to repossess the car from. Which was ok by me. In the state of Maryland your car can be repossessed after missing one payment however, this company shuts your car off leaving you stranded wherever you are at that time just for being days late not even a FULL PAYMENT BEHIND. Example my car payment is {$150.00} bi weekly yet my car was turned off for just yesterday for {$48.00} even after I just made a payment. Even after I been requesting to have my payment made monthly they insist for some reason they can't change it. This is borderline harassment. My car payment with them has never been 30days or more late NEVER yet I am in fear my car will be immobilized because I am 16 days late. Unreal someone needs to do something about this company and other 's like it. The customer can't even refinance because the miles on the cars are ridiculous so you are stuck paying triple regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a SAM modification with servicer PHH - which was initially with OCWEN ( loan started on XX/XX/XXXX, modified in XXXX ). I am closing on my house in 5 days ( XX/XX/XXXX ). I have sent emails and had phone calls about the PAYOFF AMOUNT and have not received anything from them. I am expecting the worst from them regarding the sale of my house, timing and payoff amount quote - based on their past dealings ( OCWEN ) and the current state of communication from the PHH people I have spoken to on the phone, and emails sent. 

I do have my initial SAM agreement documents and know what the amount should be, based on the numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of  the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Lendmark Financial Services
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Lendmark took me XXXX district judge XXXX XXXX for XXXX lendmark didn't show up so the decision was in my favor I can't get them off of my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage on time each month. In XX/XX/2019 our mortgage was withdrawn {$500.00} more than any prior month, without notice, without statement, without letter. We called mortgage company and thats where horror started. 
They first confused us with wrong account and said theyre surprised our house is not foreclosure etc ... 
then they kept telling us wrong amounts, wrong balances, negative on escrow ... 
We finally received refund for overdraft and we thought all errors are fixed but next statement showed again charging us {$500.00} more than it was authorized or communicated with us. 
Mortgage company said they mailed out escrow analysis but to wrong address? 
Not a single representative was able to explain our balance, charges or escrow. 
We spoke to XXXX, XXXX, XXXX ... last phone call today at XXXX XXXX Eastern time. Previous phone call yesterday at XXXX XXXX  eastern time. We have phone call logs. 
They still dont have our amount accurate and they changed our payments without providing us escrow analysis as we requested multiple times. 

We requested two weeks ago every paper regarding our account, payments and escrow so we can escalate as we already seeked legal help. We are requesting full investigation. They are still not providing it. We continue to hear from different people that is not my department and that takes time. 
All solid lies. Zero trust, zero confidence in them. 

Awful customer support, zero knowledge zero professionalism. We are beyond harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I was a victim of identity theft and as a result credit cards were opened and non-authorized charges were made. I filed a Police Report on XX/XX/XXXX with the XXXX XXXX Police Department in Florida. 
Since then, Portfolio Recovery purchased two debts that were charged off because XXXX XXXX XXXX XXXX did not process the identity theft documents I send to them at that time in XXXX. I disputed the two accounts in XXXX and again in XXXX, XXXX and XXXX of XXXX. I filed a FTC Identity Theft report and also completed ( Portfolio Recovery 's ) their in house ID Theft affidavit. The correspondence that is attached from this month is stating that they are not removing it and will cease to investigate the account and the other is stating that I did not send any additional relevant information. 
In summary, they are continuing to collect on accounts created in fraud and have ignored my repeated requests to have these accounts closed. I even attached a letter from XXXX XXXX  where they have acknowledged that I made a claim for identity theft. 
I have provided all of the documentation and reports for Portfolio Recovery to remove these two accounts and stop collection, however they are still considering these as verified debts. They bought these two accounts from the original lenders and have no history or way to prove their position. At this time, they are breaking the law and so are the credit bureau who have been informed of this situation.

Company response to consumer: Closed with non-monetary relief