BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: Experian Information Solutions 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:
Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.

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 2020-02-14
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: IL
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 leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my Equifax Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with Equifax. I received my XX/XX/XXXX Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Barclays bank delaware. 
Fraudulent charges made on visa.

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 2019-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/2019, we have been locked out of the online payment process for Bank of America credit card. 

Upon them calling us for a missed payment, we explained that they rejected the original payment and have locked us out of the payment center for the account. 

This was explained at XX/XX/XXXX or XXXX, 2019 and again at XXXX payment cycle. 

They call my husband 7x a day and they call me 5x a day. This feels excessive considering the payment portal is still locked on their end preventing us to make a payment. 

As we both work during the day, we can not answer during work hours, so we are forced to continue this process for days on end as their office is closed when we are not working. 

For 4 payment cycles this issue persists and is harassing us for an error on their end.

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 2020-02-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a distressed mobile home park in 2018. We planned to purchase the mobile home park with a mortgage with an initial 2-year fixed term with the intention of improving the park and completing a cash-out refinance after the first two years. We discussed this plan with our lender First National Bank. The lender told us at the closing table that they were interested in doing the cash-out refinance after 2 years and said that there would be no prepayment penalty when we refinanced with them. We agreed and completed the sale. After improving the park we began the process of applying for the cash-out refinance. At that point, First National Bank refused to complete the cash-out refinance. We proceeded with another lender. When we received the payoff statement from First National Bank, there was an {$8000.00} prepayment penalty. They provided us with TRID disclosures stating that there would be no prepayment penalty. The only reason we proceeded with this lender is that they told us that they would refinance the park at the two-year mark with no prepayment penalty. They then refused to complete the refinance and then charged us a prepayment penalty. They are contractually entitled to do this, but this is not what we planned and agreed to at the closing table. We would have used another lender if First National Bank had told us that they would not perform the refinance and charge a prepayment penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14
Company: Southern Auto Finance Co
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:
XX/XX/ 2016 I financed a car through Southern Auto finance company ( safco ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from Safco

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested multiple times for my address to be corrected, for the addresses where obviously my identity was stolen that's listed to be removed, employment that's on my report to be removed ( I'm not employed ), which all was corrected back in XX/XX/XXXX, but then I received a copy of my report recently XXXX XXXX after disputing some invalid, incorrect erroneous information that was in my public records file! Not only was it not corrected, nor did they send me Verifiable Proof they put more invalid, incorrect information onto my 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 2021-10-14
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This company is a nightmare. I called in 30 days ago to end forbearance and request a covid flex modification. They did not comply and instead kept me in forbearance. Whenever I call the number on the website, I'm unable to speak to a live person. If I select modification on the phone tree, it lands me at a 'canned response ' that states " please look at the website '' and then hangs up. I applied for a mod 30 days ago only to learn that they never took me off forbearance and basically ignored the request. Then I have been going through circles of ridiculous needless paperwork with a underwriter that obviously either doesn't know what is required for a flex mod or is purposefully trying to get home owners lost in endless loops of unnecessary documentation that no other mortgage company has ever asked for on a flex mod. This company is clearly trying to put up fabricated obstacles to a Flex Mod in the hopes of getting home owners lost in the weeds. The required and requested documentation is clear from their initial packet which I sent in completed and they are now changing these requirements on the fly. The most recent request is a good example... I initially sent in my P & L for the last quarter which is what they asked for in the packet and now they are stating send in each month separately. This is a stall tactic. They don't need that granular info for a flex mod. The waterfall doesn't require it. I guarantee when I send that in they will come up with another obstacle which is unnecessary. When they keep changing the rules on the fly then its obvious to me what they are doing. Not being able to speak with a live person just makes it worse. Everything they are doing isn't necessary for a flex mod and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my TransUnion Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with TransUnion Credit Reporting Agency and with XXXX. I received my TransUnion Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. TransUnion placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent Transunion a certified mail letter demanding they delete the XXXX tradeline off my consumer report I've sent letter after letter complaining about this situation providing proof from the Creditors stating that they are no longer collecting on the DEBT Transunion have violated my Federally Protected Consumer Rights and I need answers

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 2020-02-14
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: Account information incorrect

Complaint:
XXXX 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on Equifax it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Nelnet, 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 debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/NELNET '' be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Several months ago I had to replace my debit card before I did so I was always on time with our payments but I didn't realize that the card on file with the old one and the payment started bouncing but I didn't realize that that was why I tried to call customer service to find out why I was getting the payment not paid however I discovered that you can't contact them to the phone number so I just kept trying sometimes I would accidentally click the old card and it wouldn't let you cancel you'd have to wait until the payment bounce then try again which would accrue another {$15.00} charge every time the payment didn't go through had I known that was the reason my payments were going through I would have fixed it however their customer service is not good originally I started emailing them to try to find a way to ask them to waive the {$15.00} charges because I'm having trouble with covid finding a job and making my bills however I'm having a terrible time contacting the company I've given them all information required to find me however they refused to speak to me unless I have the original email I opened the account with which I no longer have access to when you call the phone number it tells you to email when you email it tells you to call it's a big run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please

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 2019-08-04
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
All I needed was a replacement money order. My money was messed up, couldn't read. It's a rent payment. There are 2 money orders. {$500.00} and the other for {$50.00}. I would appreciate your help very very much.i had waited 31 days for refund. They said they never received my copy 's? Then, I e-mailed them copy 's. I will attach my copy 's now. Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX, Ct I'm a senior so I hope I can attach properly.

Company response to consumer: Closed with explanation