BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bluebird American Express refuses to refund my stolen money {$500.00} in unauthorised transactions to XXXX companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
see documents below thank you for your help

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 2019-09-25
Company: United PanAm Financial Corp.
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: Account status incorrect

Complaint:
I took out an auto loan with united auto credit. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the  chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a modification with my servicer XXXX XXXX multiple times. Their only response is that the " investor will not allow a modification ''. When I ask who the investor is, ocwen says it 's a " pool '' of investors. The address ocwen gives me as the pool is a fake address the phone # that they give me is a recorded line that has nothing to do with the pool of investors on my loan. Ocwen states they are not capable of reaching the investors. Ocwen states the cooperate with the Hamp program but has rejected my multiple attempts to modify my loan that is currently at a 6.75 %. Ocwen will not work with me other than a repayment plan which literally triples my normal monthly payment. My loan was sold to these mysterious pool of investors who have absolutely no way of contacting them. I opened my loan in 2004 when all the preditory lending was going on. I need help locating this " pool '' or to force ocwen into offering me a fair modification on my loan that everyone was supposed to be offered due to the fair lending, preditory lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.

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 2019-09-25
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I took out an auto loan with XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 this account removed from my credit report. I contacted the company 5 times and each time they sent me a letter stating the account was verified and true. This account was not authorized by me and I want it removed. I requested copies of a contract or any documentation with my signature and they can not produce it but will not remove it from my credit report resulting in a poor credit score. The name on the account is not even spelled the way I spell my name but they insist it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: 21ST MORTGAGE CORP.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX 21st Mortgage called me and I basically told them my situation and they wasn't trying to hear it so they gave me till XX/XX/XXXX, to come up with the money to pay. And they know I'm on a fixed income. The mobile home is in my husband name and he passed away in XXXX but I was staying with him so I been paying each month but sometimes I run into hard times but not often. This company when they call people they don't know how to talk to others on the phone it makes you wonder. They are very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my Equifax report as well so in order to correct the inconsistencies between the Experian, XXXX and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXXXXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}

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 2020-08-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a complaint a month ago, i have been trying to get an account fixed for months. The company sent me a letter of deletion which i have forwarded to Experian twice, once as a dispute and once on here. They removed the account at that time or so i thought. I have been trying to buy a home and this account showed back up on my report. So either Experian didn't remove it or did then put it back on. This has been months trying to get this fixed

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 2019-09-25
Company: EQUIFAX, INC.
State: NC
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 repeatedly requested that the incorrect information be removed from my credit report. They return letters to me stating the information has been verified but they show me know verification. The items are untrue and need to be removed from my credit report. This is resulting in poor credit and these items are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX and I applied for a credit card from Bank of America back in XXXX of XX/XX/2019. The card had a promotional rate of 0 % APR for 12 months and a cash bonus of {$150.00} after spending {$1000.00} in the first 3 months. I received my card sometime in XXXX, but they sent me 2 different ones. One ended in XXXX and the second ended in XXXX, I was confused so I called them to confirm which of the two cards had the promotion I applied for. They confirmed it was the one ending in XXXX, so I started using it. It has now been 2 months and I have spent more than the {$1000.00} dollars and have not received the promotional bonus. I called Bank of America and they told that they had advised me to use the wrong card, but can't do anything on their part to correct the issue. I told them that I want them to honor the bonus as well as the 0 % APR, but they said the only thing they can do is the honor bonus but not the promotional APR, even after they reviewed the recorded calls and agreed that their agent made a mistake on the call we had back in 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 non-monetary relief
Consumer complaint received 2017-12-06
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This Company is harassing me eveyday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX everyday this company is putting notices on my door

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019, I went to the XXXX website to purchase a phone. ( Not finance ). An application to finance with Citizens was submitted in error and immediately cancelled. Both XXXX and Citizens said there should not be a credit pull because the application did not have time to process. I now see an XXXX inquiry from Citizens Bank on my credit report. I emailed Citizens to remove and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Navient Solutions, LLC.
State: PR
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:
On XXXX or XXXX I called Navient to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
Hyundai Finance, XXXX XXXX XXXX, 36 month lease, started on XX/XX/XXXX, {$490.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date. 

Kia Finance, XXXX, XXXX, 36 month lease, lease started XX/XX/XXXX, {$220.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.

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 2019-09-25
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid Greentreen/ Ditech Mortgage on XX/XX/2019. The mortgage company claims no receipt of payment. My Bank statement clearly show the money was debited for XXXX on XX/XX/2019. The mortgage company has threaten to report my Credit as negative and charge a late fee. I provide the bank statement and proof of ACH delivery to Mortgage company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: CO
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:
30 days ago I submitted a dispute with equifax concerning XXXX XXXX XXXX. They are attempting to collect a debt that was the result of identity theft. I explained that clearly to equifax and also attached a police report confirming my stolen identity. I also clearly explained that at the time of the incident I was living in California, not in XXXX XXXX  united states, and for me to travel there for XXXX services is  unthinkable. However, no information was given to me as to why the account was verified as accurate. All I was given was an address to a small time collection agency who did not want to delete the account and asked me to pay for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Account status incorrect

Complaint:
Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect date of first delinquency because of no supporting medical statement showing the exact date I requested to remove incorrect delinquency date from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously submitted complaints against Ocwen Loan Servicing. My most recent complaint was XXXX, submitted last month. As interest has continued to mount as a result of their poor customer service, I was notified that my payment last month was being held in suspension. When I requested a new copy of the application for loan modification from a representative -who, AGAIN, was not my assigned relationship manager- the document was initially sent to an incorrect E-mail address, causing further delays. When I approached my attorney about the issues I 've had with Ocwen, I was told that I most certainly had valid complaints against the company, however, a lawsuit would cost time and money. Instead, I was advised that Chapter XXXX Bankruptcy would protect my house and allow me to begin paying back the past due amount on the mortgage, which is what I have been trying to do all along, but kept facing roadblocks from Ocwen. 

These past couple of years dealing with Ocwen have been extremely disheartening and stressful. While filing for Bankruptcy is embarrassing, it has at least provided me with some peace. Why should I have been forced to go this route? Why has n't Ocwen, despite their apologies, been held accountable?

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