BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Credit Acceptance and explained that I was in furlough. I was informed that there was nothing that could be done but to make payments on the account. I then explained to the agent how the cares act had established some guidelines or It was my understanding that Credit Agencies or any agency had to attempt to help us. The agent then mentioned he could place my account in some type of status but still would report late to the credit bereaus and even if I did not make any payments my car would not be repossossed. I have not received anything in the mail or in writing that explains my conversation with me and the representative over the phone. I feel like he just did not want to help and I am under the belief since the pandemic has cause this, late payments should be defferred to prevent getting a bad credit rating. Please help, Since I have a XXXX I am also requesting reasonable accommodation with the ada or adaaa, This is very troubling times and having a XXXX only makes it worse.

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 2017-09-30
Company: SYNCHRONY FINANCIAL
State: AZ
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 XXXX Inquiry : XXXX XXXX, 2017 +  XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Someone applied for credit, unknown person, and this company had 2 hard hits on my credit, ran my credit without my permission. Someone applied online and had items shipped to Florida, Walmart is still sending bills, I want these hard hits removed from my credit and I want Walmart to remove this credit card and stop sending bills. This is dropping my credit score and needs to be taken care of immediately! I am seeking an attorney, and will take action against them in the event I do find one.

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 2020-02-10
Company: EQUIFAX, INC.
State: SC
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Magnum Association Services
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to report Magnum Association services XXXX. I have tried several times to contact them about a lien that they have placed on my property. The amount has been paid in full years back and my account is current. The lien has never been removed and it has caused great damage to my property status, The HOA, ( XXXX XXXX ) has directed me to this law firm to correct the problem and no-one has taken any  action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, PA they are a fraud company that needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Fay Servicing, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to work with Fay Servicing for months to modify my mortgage because I had fallen behind. They scheduled foreclosure several times and I was able to have it postponed/ cancelled because I filed an injunction with the court and I also filed bankruptcy. The reasoning behind these two actions was to allow more time to work with Fay and obtain a loan modification. Fay is an extremely unprofessional and unethical business. They led me to believe they were working in my favor by asking for updated information in order to process a modification ( check stubs, bank statements, tax returns ). There was a foreclosure scheduled for XX/XX/XXXX and it was still held, even though they said they were working on a modification. I did some research on Fay Servicing and this is some information I found that applies to my situation. This is the webpage : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-takes-action-against-fay-servicing-failing-provide-mortgage-borrowers-protections-against-foreclosure/ - Consumer Financial Protection Bureau Takes Action Against Fay Servicing for Failing to Provide Mortgage Borrowers with Protections Against Foreclosure XXXX Fay Servicing to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices- Kept borrowers in the dark about critical information about applying for foreclosure relief - Illegally launched or moved forward with foreclosure process against borrowers who were applying for help - Offer borrowers opportunities to pursue foreclosure relief - Stop illegal practices and comply with mortgage servicing rules A copy of the consent order entered today is available at XXXX : XXXX Also, there was no legal notification in the newspaper for the XX/XX/XXXX foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card from Synchrony Bank for XXXX XXXX and I made a purchase sometime in XXXX with no interest and promotion will end up on XX/XX/XXXX. I was on track with all my payments and unfortunately I was hospitalized due to XXXX XXXX last XX/XX/XXXX and was the main the reason why I was not able to settle my last payment on the XXXX of XXXX XXXX They were calling me when I was in the hospital and told them that I will settle everything as soon as I get discharged from hospital. I was able to come to out from the hospital last XX/XX/XXXX and I made a payment to my credit card but unfortunately I was surprised to see the remaining balance of XXXX. I called up the customer service but there was nobody capable of helping me with my concern. They just transferred my call to a XXXX but never had the chance to talk to one. I sent them several messages but first 2 replied as if they did not know what really happened why I was not able to settle my account. I sent them again a message and they replied that I need to pay the amount I stated and I find so unfair and inconsiderate. 

Despite of confusion I was able to figure out the real amount I need to settle and I already settled it and the XXXX is the amount they refer as interest of the promotion.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX is reporting late payments every month on a close collection account i reported this account to CFPB last year and the collection responded that this account was closed.. I disputed this account numerous time they are still reporting late payments every months and up dating the balance XXXX deleted this account but Experian does not want to delete this inaccurate account that is in violation to the CFPB. 

Company name XXXX XXXX XXXX XXXX number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019 a mortgage was taken out in my name with PHH. I have never applied for a mortgage or refinance from this company. It would appear that my stepfather has taken this loan out in my name. I have never authorized or signed any documents pertaining to this loan. I have never spoken to anyone from this company and had it not been for my credit report, I would not have known that this loan existed. I can't find the loan number to even inquire about this loan. I can only find it by using my social security number and my stepfather 's address. Because of this, no one will speak to me regarding this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: NC
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:
Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from transunion saying its open but XXXX and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.

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 2020-02-10
Company: ERC
State: TN
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:
In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was already paid to XXXX. This collection agency keeps adding this balance to my credit report which is negatively affecting my score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: DC
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:
In XXXX I was a victim of identity theft. Since that time I have been attempting to remove all fraudulent accounts that do not belong to me from my credit report. Equifax continues to report accounts that were opened fraudulent in my name and without my consent. I have disputed the accounts multiple times and none have been removed. Rather, Equifax claims that the creditors are verifying the information as accurate. However, I know this to be untrue because I have received at least two letters from two companies advising that they performed an investigation and have closed the accounts due to fraud ( XXXX and XXXX ) however Equifax claims these companies verified the reporting as accurate. I have disputed collection accounts including XXXX XXXX XXXX which XXXX and XXXX have removed however Equifax refuses to remove the derogatory information. Additional accounts that were fraudulently opened but remain on my credit report include : a car loan to XXXX XXXX XXXX ; a loan with XXXX XXXX ; and a credit card issues by XXXX XXXX. I disputed these accounts multiple times including XX/XX/XXXX and Again in XX/XX/XXXX and most recently in XX/XX/XXXX, yet the derogatory information along with the fraudulent accounts remain on my Equifax report. I have never received the results and I only found out that they were not resolving my disputes was by checking the report and calling and spending hours on the phone as opposed to receiving written communication with the results. Also, Equifax continues to report the wrong address. I have requested multiple times that this be updated because they are not able to verify me by my current address which has made this whole process even more difficult. Instead, Equifax put a personal statement on my credit report that states " PLEASE UPDATE ADDRESS ''. It doesn't even make sense that that would be on these but it is and I want it removed and my address corrected. This is not fair and it having a very negative impact on my finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: NC
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX  XXXX ACCT : XXXX XXXX : {$4900.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX  and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation