BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an USED XXXX XXXX XXXX, on XXXX from seller XXXX. I received the miner around the first week of XXXX. Before I used the miner I  contacted the seller and expressed that the condition of the item should have been in better condition for the price I paid. He replied that I should have only bid the amount I was willing to pay, and that I had " buyers remorse. '' A few days passed and I set up the miner, on XX/XX/XXXX I contacted him through XXXX  messages again and told him one of the boards inside the miner wasnt working, and that one of the fans was damaged. He responded on XX/XX/XXXX he sent me a return label to my email and once he received the miner he would test it and send me another one. It was sent via XXXX and delived XX/XX/XXXX. 

Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To make a long story shorter I misplaced the tracking information after it was delivered and continued contacting the seller ( several times ) through XXXX asking what the status of my replacement was. Last he told me he couldnt find my order, and needed more information. He had my order number, name, email and he sent the return label. I dont know what other information he could need. He has since no longer been in contact with me. 

I disputed the charge with XXXX, but they only offer a money back guarantee for 30 days and I was outside that window. They told me to go through XXXX since I paid through them and they offered a longer protection window. I contacted them several times. The first time I opened the case on XX/XX/XXXX. I was told the case was closed due to lack of information on my end. I reopened the case XX/XX/XXXX. The case was closed again. First XXXX said they couldnt track the return. I then asked to speak to a manager he told me the case was closed because the seller revoked the return authorization. Its very upsetting that XXXX wont offer any assistance in this situation. Thats why this service is used so that people dont get scammed like I have. The rep then told me that I should pursue my credit card company since I have no contact information for the XXXX seller. I opened a case with my credit card company as well, but they needed more information, once they received the information to support my case they told me too much time has passed and they cant do anything to help me with this case. 

Afgter

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 2018-03-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien.

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt.

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency servicing the purported debts appearing on my credit report is unresponsive to my attempts to discuss the debts and, if true, to pay the debt in full. It is negatively affecting my credit score and preventing me from getting the mortgage I am trying to apply for.

For two months Midland Credit Management, and their related peer subsidiary companies ( all owned by Encore Capital Group ) have been passing me around to five different inter and intra-company phone lines, whose agents all tell me they can not help me discuss or pay the debts, if true, and who then pass me along to new inter or intra-company agents. 

After calling sometimes everyday for weeks at a time to at least every two weeks the problem persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: CA
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:
There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX  XXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX XXXXXXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/2014 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 2021-06-30
Company: EQUIFAX, INC.
State: MD
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:
There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. Transunion makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, Trans has XXXX inquires, XXXX has XXXX. That is a big difference. Also XXXX reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not 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 2019-09-30
Company: Exeter Finance Corp.
State: MS
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:
I purchase a vehicle from Exeter Finance in XX/XX/XXXX. The loan was for 72 months on approximate {$25000.00} with a 16.9 %. I have been late and had 8 deferred the payments. The loan will mature on XX/XX/XXXX. The company states I still owe {$10000.00}. I do not see how this is possible. I asked for a hardship and to settle the loan but the company refused. I notice over the life of the loan some of my payments {$0.00} was paid toward the balance only interest payments. I do not believe I owe {$10000.00} on a {$25000.00} vehicle 6.5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information on my report is incorrect. No missed payments.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: IL
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:
Remove the information listed on my FTC report.

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 2018-03-28
Company: American Financial Resources, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we changed homeowners insurance from XXXX to XXXX XXXX. We sent all documentation for the change to the mortgage company and were told that when they got the refund from the insurance company for the payment that they had just made the change would be made. We contacted XXXX and they told us they would send the refund to American Financial Resources. We heard nothing else on the matter and were under the impression that everything was handled until we went to file a claim for storm damage to our home in XXXX, and found out that our mortgage company did not pay our insurance and then they proceeded to apply their own insurance company from our escrow. So we found another insurance company to take our business and American Financial still wanted us to pay for their insurance. We do not feel that we should because we did what we needed to inform them that we changed insurances. 
Then the end of XX/XX/XXXXwe sent our monthly payment to American Financial and were notified that they did not receive our payment .So we contacted XXXX XXXX about whether the money order was cashed or not and when. We were informed that it was cashed on the XX/XX/XXXX. We then sent for a copy of the money order with XXXX XXXX and found out that our payment had been stolen from the united states postal box and altered with another name in the pay to line. XXXX XXXX told us it could take up to 90 days to deal with the bank that cashed it to get a refund. We have caught up on all of the payments that were missing and we are receiving notices stating that we are in default of our mortgage payment after they have received the payments, and it very frustrating. We do not want to move we have been here for 12 years and just want to make our normal payments and continue on. But we are also feeling like we are being harassed when we know we made our payments and we get all of this mail stating that we are in default. Plus they keep giving us the run-a-round.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint regarding my student loans, that is now with Navient, and would like to be part of the XX/XX/XXXXclass action lawsuit against Navient. Every since they took over from XXXX XXXX  after XX/XX/XXXX I have had a problem making payment on my loans. I was able to make affordable payments with XXXX XXXX after a graduated with my XXXX in XX/XX/XXXX. The attached sheet shows total amount of my loans of approximately {$58000.00} inXX/XX/XXXXfor both theXX/XX/XXXX andXX/XX/XXXXat XXXX XXXX university. During the time XXXX XXXX had the accounts, I had no problems even when I was unemployed, they worked with you. After Navient took over, it has been horrible. Because I am a XXXX, I may work 3-6 months and when I am not employed, I would request a lower payment, however they would say that I could not get a lower payment because of the amount of the loan, and I would have to take a forbearance, which has ultimately because of the continuous interest, increased my payments to over {$800.00} a month ; which I can not afford As of last year when I was unemployed and only receiving Social Security benefits, I had to take a forbearance. The new balance for XX/XX/XXXX will be {$880.00}. Hopefully I can get some help regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: General Motors Financial Company, Inc.
State: CA
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:
My daughter leased a car and I co-signed through a dealership. GM Financial financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out GM financial had reported a late payment. Through many calls and emails between the dealership and GM, after GM tried to blame the dealership it was discovered and proven that it was a mistake that GM made. Every time I try to find out why our credit is still not fixed after 2 months GM basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to get the people that work at Transunion to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

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 2020-05-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA Mortgage was sold from XXXX XXXX  XXXX to Rushmore Loan Management. We received a packet of information on XXXX from Rushmore Loan Management stating they will now be servicing our mortgage and it also included a list of what they plan to do with our personal information.

We never signed any agreements with Rushmore Loan Management and have been told this is not something we are able to stop them from doing. The items in question are : What personal information they collect and share ( Social Security Numbers and income, account balances and payment history, Credit history and scores ) It also states that they continue to share our information when we are even no longer a customer. 

Also it states they will give our personal information for joint marketing with other financial companies and they say we can not limit this sharing. 

We expressed verbally over the phone to their customer service that we are not ok with this and never signed any agreements allowing them to do so. I ask that the CFPB steps in and stops this action as it is fraudulent and not approved by myself or my spouse. As this is a FHA federal loan we are also filing a complaint with HUD. 

We ask for a written statement from Rushmore Loan Management stating our information is not to be sold or  shared with any of their joint marketing or any " partners ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed for chapter 13 bankruptcy. My mortgage is not a part of the bankruptcy. We are paying the mortgage, I can not get OCWEN to stop treating me like my mortgage is in bankruptcy. I do not receive timely statements. They claim I am in arrears for XXXX but that money was added to my mortgage payment. I sent a copy of a letter from my attorney. All I get is more papers and no specific letter addressing my specific issues. The main one, is that my mortgage is not part of the bankruptcy. How can this be fixed? 
Recently they said I am in arrears. I sent them a breakdown of all my payments. I am not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am sending a complaint due to Bureaus failure to respond to my dispute in over 60 days and I HAVE NOT received a copy of my credit report which I find alarming, considering I sent out a letter about two months ago. Their lack of response is a clear violation of my rights to have accurate and verifiable information reporting against me. I have given them opportunities to correct the inaccuracies and verify the accuracy and they have failed to do either of them. This is my request for the removal of the disputed accounts from my credit report due to the lack of verification. If they refuse to accept this as an acceptable settlement for their lack of verification then I may escalate this matter. 
My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong individual. Thank 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