BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 my loan was transferred to Rushmore loan management. I asked for a loan modification before we made any payment to them. They started the process and it took them several months to approve it, while waiting for a decision we were instructed to make several payments to the modification unit on the dates which was specified. When the modification was approved we made our first monthly payment as instructed. Our loan has been reported to all 3 credit bureaus as being late 120 days for those months during the modification and I don't think that's fair to us because it has kept my credit score low and has caused me many denials for credit. We had never missed a payment or being late once the modification was final our payments have always been on time and it reflects that on my credit report. I would welcome any assistance with this matter that you could provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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:
I have disputed this account multiple times with eqifax and XXXX XXXX. I asked them for to verify and send me proof this account is mine. They keep sending a bill what is not proof this account is mine. 

According to section 609 Credit agencies must verify this is my account. A screen shot is not a verifiable proof this account is mine. 

I would like for XXXX XXXX and eqifax to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: TX
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 an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

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 2020-02-25
Company: EQUIFAX, INC.
State: TX
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 an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been in touch with our mortgage provider on several occasions. Stressed that we have been struggling making payments. THEY CLAIM THEY CAN HELP! But have been told that they can't. ADVISED BY OUR LAWYER we can apply for a forbearance!! NEEDING HELP WITH DOING THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Scott & Associates has levied my bank account for the debt of my children 's Mom. I will pay for her if they will release the funds. My Dad has XXXX XX/XX/XXXX, so this is an emergency. If they do not release, she has already agreed with me to file ch XXXX bankruptcy.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2021-03-24
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Advanced Collection Bureau continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Advanced Collection Bureau reported this entry to my reports on XX/XX/2019, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Advanced Collection Bureau. To that end, I sent a letter to Advanced Collection Bureau ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Advanced Collection Bureau is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

Advanced Collection Bureau is a copy of the financial responsibility page as requested, nor did they provide a copy of the signature page with the provider of service to release my alleged information to them, as well as cease any credit bureau reporting until the debt has validated by me and they did not cease.

It is obvious that Advanced Collection Bureau is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
It started about three years ago, I was contacted by this debt collector, the would call three or 4 times a day. Seven days a week, when I asked them to stop the excessive calling. I was told that they are a bill collector and they don't have to stop calling me. I finally had to threaten to file a phone harassment suit. This is after about 300 calls in a six month period. They stopped calling and have started calling and hanging up on me now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: ALLY FINANCIAL 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:
Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with credit strong on XXXX XXXX 2021. 1st bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually XXXX  a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.

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 2020-02-25
Company: Experian Information Solutions Inc.
State: OK
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- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XX/XX/2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of  consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ... 

XXXX  XXXX XXXX XXXX XXXX is fair debt violation XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is 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 2021-03-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I owned two Paypal Credit? Bill Me Later accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to XXXX XXXX XXXX I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ 300 monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to XXXX XXXX XXXX. I have since informed XXXX XXXX XXXX that my accounts were paid to the original creditor ( Pay Pal/ Bill Me Later ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. XXXX XXXX XXXX has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.

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 2021-12-02
Company: PNC Bank N.A.
State: CA
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 balance transfer

Complaint:
On XX/XX/2021 I transferred a balance from BBVA/PNC credit card to my XXXX  XXXX credit card for a better APR. I called XXXX  XXXX and they confirmed the balance was transferred XXXX XXXX. BBVA/PNC continued to show the balance as over {$6000.00}. I called and spoke to several different representatives and they said no balance transfer had occurred and that I should make the payment, I did not. Both credit cards showed this balance and due to the fact that BBVA was transitioning over to PNC Bank I waited for them to update the information. I began receiving bill collection calls but BBVA/PNC had already told me that during this transition there would be no hit to my credit score. I finally spoke to an escalation representative for PNC on XXXX XXXX who told me I needed to prove this balance transfer with the canceled check from XXXX  XXXX, this was the first time a rep requested this. I checked with XXXX XXXX and BBVA/PNC Bank had only just returned the check on XXXX XXXX, they held onto it for XXXX months. Now my credit score has gone crazy it had dropped XXXX points but now it looks like its dropped well over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan on a XXXX XXXX XXXX XXXX with TD Auto Finance LLC ( XXXX XXXX XXXX, XXXX, ME XXXX ). On or about XX/XX/XXXX I was in a motor vehicle accident and the XXXX was totalled by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX a check for the balance of the loan ( {$21000.00} ) was issued to the lienholder TD Auto Finance LLC. See attached copy of check. This check was deposited on XX/XX/XXXX by TD Auto Finance LLC/TD Bank XXXX XXXX The loan was paid in full. 

However, in XXXX of XXXX I received notice from TD Bank that I was in default of my already paid off/closed car loan. This continued through XXXX of XXXX. See attached default notice dated XX/XX/XXXX. TD Bank is claiming that I still owe them monthly payments on the car loan despite the loan being paid off almost four months ago. My credit score has dropped from XXXX to XXXX. See attached Credit Karma Screenshots. This has resulted in much higher interest rates and APRs. This is especially important to me because I have to replace my totalled vehicle and I have to pay more than I would have when buying a new vehicle because my credit score is lower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
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 reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on Equifax credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have never authorized these inquires so please remove them. These items are not mine This is Fraud that I have them in my credit report. 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 explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: GA
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:
The following inquiries below are unauthorized and fraud. I have called Equifax and they were able to remove a few but the ones listed below they did not comply with my request to remove these inquiries I did NOT authorized. It was not me. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: GFS II, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I became unemployed on XX/XX/2021. In XXXX, I fell behind in paying my car payment. I spoke to Gateway Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, and they mentioned they would work with me as long as I emailed them my confirmation letters from the Illinois Department of Employment Security ( IDES ). In XXXX, I was able to make a one-time payment to cover XXXX month. I continued to email them my confirmation letters from IDES that confirmed my certification biweekly. I also emailed them proof that I received a job. I sent them a screen capture of my orientation date and time. I was told that I may qualify for an extension considering my circumstances. A few days later I received a call mentioning that I need to make a payment right away or my car would be repossessed. XXXX days later, my car was repossessed. The date was XX/XX/2021 just XXXX days before XXXX and XXXX days before I would start my new job. 

After reading customer complaints on the XXXX XXXX XXXX it seems that this company is notorious for misleading its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.

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