BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company know very well this account is not my account ; however, and this account is fraudulent, or someone working at a credit bureau. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint before, and letting other consumers know the fact. They are disturbed at me, and worried about saving their brand, and not helping the consumer. 
They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop this criminalizing against consumers. 
I am filing this again because they admonished, and castigated me for filing an earlier complaint. Pro Collect, and these bureaus are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. 
They are too stubborn and too crooked to satisfy the consumer. They are too concerned about these credit bureaus, and this companys brand at the expense of consumers. This is very sad, and they must punish.

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 2022-12-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fell on hardships XX/XX/XXXX so i was unable to pay my regular monthly payments. I was told that if i get on a payment plan, they will not report late payments to the credit bureaus. I got on the payment plan and i have not missed a payment since i been on the plan. I've been paying biweekly. But when i checked my credit report, I see that they have been reporting late payments to the credit bureaus since XX/XX/XXXX till XX/XX/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 2023-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house XX/XX/XXXX, XXXX  payment was due until XX/XX/XXXX XXXXOriginal loan servicer was Guaranteed rate, we were instructed to make the payment to them. At the same time we received a welcome letter from Fifth third bank dated XX/XX/XXXX, that our loan had been transfer to them on XX/XX/XXXX. They sent a billing statement for a XXXX payment as well as guaranteed rate sent XXXX. Per Guaranteed rate transfer date to fifth third bank was effective until XX/XX/XXXX hence the payment was done towards guaranteed rate. 

First payment was submitted to Guaranteed rate on XX/XX/XXXX. We received an email from Guaranteed rate telling us that the transfer was official starting XX/XX/XXXX. Meanwhile fifth third was calling and showing on their account that I hadn't sent a payment for XXXX. I called to explained several times and no resolution was given. 

Starting XXXX all my payments have been made toward fifth third bank. On Monday XX/XX/XXXX, I get a call from fifth third asking if I was planning on submitting a payment for that overdue amount, at that point again I explained the situation to what they suggested contacting guaranteed rate because on fifth third side they hadn't received the money and that i had XXXX  days before they impose late fees and report to credit bureau. 
My loan officer and me got on a call with both banks separately and again no resolution was given. 
Guaranteed rate mentioned they had sent the money under a suspense account and that everything was transfer correctly yet fifth third claimed they haven't seen the money and that they will proceed with late fees and report to credit.Both companies mentioned they have started an investigation to see what they could find. i have provided evidence to fifth third that payments were done. 

Both companies have a discrepancy on their loan transfer date. I have the evidence that all payments have been made. No late fees or reporting should be done under federal law, but fifth third have mentioned that if by end of week they do not have payment they will move forward to impose the late fee and report me. Fifth third has mentioned that if the research they are conducting shows where the money is so they can process it that they will retract the late fees and the credit report. this will still hurt my credit history. 

No company has taken ownership on this situation and I have been under a lot of stress because I have not done anything incorrectly and yet I will be punish on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
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 checked my credit report on Experian. To find a US SMALL BUSINESS ADMIN loan which I did not do. I have called US SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the US SBA. In regards of it not being me .Please advise

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 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a charge off on my credit with XXXX several time only to be told its verified, this account information is being reported as verified when you can clearly see that it does not match other credit bureau information, I would like for this item to be removed, it has been weeks since I ask for my old addresses to be removed and yet they still remain acct XXXX XXXX, the high credit amount has been reported inaccurate which is a violation, delete account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have had a VA Loan through PennyMac since XXXX. In XX/XX/XXXX, I received notice that our monthly payment increased from {$1300.00} to {$2300.00} due to an increase in property taxes and homeowners insurance. I called and they suggested submitting for a Mortgage Assistance program that would reduce the payment and bring the loan up to date. I submitted the application on line including the documents requested in late XXXX and was told to continue to pay the {$1300.00} until the Mortgage Assistance is approved or denied. I then called my insurance and changed the homeowner 's insurance which brought the payment down to a little over {$1800.00}. However, I did not hear anything about the Mortgage assistance, and then received a demand for payment for {$2200.00} as I was behind in payments. I called PennyMac about the situation. and was told the mortgage assistance had been denied and we needed to bring the account current as we were behind since XX/XX/XXXX. The denial was based on incomplete documents as they requested a XXXX and never received it. I had submitted in on line thru their web site. I was never notified of the denial. I brought the account current and was told the Mortgage assistance was not needed as the account is current. Further review of the latest bill indicated the amount in Escrow was over {$7000.00} and the monthly amount put in escrow is {$620.00} out of the payment. I called on this situation as the taxes and insurance totals around {$4000.00} per year. I was told that they had paid the taxes and insurance and they were being paid back for last year and this year. They gave me no further information. 
I am wondering why there is so much being taken out of each payment and being put in Escrow as they should have been taking the taxes and insurance out since the Loan was initiated. I have never received a delinquent notice from the County or the insurance company. I understand PennyMac can only take about XXXX to XXXX of what they paid out last year for Escrow purposes. This is obviously much more than that and more than what is owed. That is the purpose of this complaint, that they may be illegally be taking money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXX XXXX  XXXX, XXXX : {$100.00}, Date : XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, Capital One and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I transferred XXXX to Marcus bank 10 months CD account. One day they restricted my online access. I called them several times. They wanted me to fill up the form for affidavit of identity in order to give my access back. It took them 2-3 weeks just to mail out the form to my address. I was not in the country when my form arrived so I called them several times just to make sure I can do the notary at embassy overseas or online. The answer was yes. I did the Texas online notary and mailed the form back to them. About 1-2 weeks after, I received an email saying my CD account was closed. I called them back asking where my money went. They put me on hold for 30 mins just to tell me to call back again in 3 days. Then I called back, the call lasted almost an hour, still have no definite answer. The specialist told me that looked like the previous agent I talked to couple days ago was trying to reopen an account for me and put my fund back and they are working on it. I asked him if they can just mail the funds back as a check to my address cuz Im done dealing with them. He said he couldnt because theres no money in my account to transfer out that I need to wait til the account was reopen and funds moved back in order to transfer out.and he wanted me to call back in 3 days. So I called back then they couldnt even tell me where my money is now. She even told me that she couldnt discuss with me any further because my affidavit of identity was not complete!!! I literally just went off on the phone with her, its been ridiculous. She said the stamp is not legit and its not in person signature. I told her the online notary is legit and certified. She said I have to redo the form and she refused to talk to me further. I told her Ill not be in the country for another half a year. And I dont see why the certified online notary is not legit at their bank. And i literally just wanted to know where my funds in the account went since they closed it. I feel I just lost XXXX at their bank its ridiculous I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I filed a dispute with all three bureaus because I noticed two credit cards still showed up as NEGATIVE INQUIRIES these two credit cards was filed and reported under card fraud due to unauthorized transactions without my consent. I was living in XXXX, MN and there was fraud usage made from XXXX while i was living in XXXX, MN. I reported to both card companies and nothing was resolved. 
I am seeking final closure with having these two accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i pay my mortgage with " myloancare '' online through their website, it has been almost 7 days now where i can not access the website. i have tried from numerous devices to access the website and every time i receive the prompt " the site can not be reached. '' i have tried to pay through the phone by using their automated system. the system told me my payment was processed, yet no evidence of a payment confirmation has shown. every time i make a payment i receive an email confirmation that a payment has been made. i have not received one yet. usually within a few hours, it shows that the mortgage bill is processing in my bank account which has not happened yet either. 

i feel like it is extremely difficult to pay my mortgage which i personally am more than willing and able to pay, the payment systems they offer dont seem to be working and it is becoming increasingly worrisome that if my payment is not made on time that i will receive repercussions for something that is not my fault. the company has not seemed to communicate anything reguarding this issue. upon checking online there are other consumers who are facing the same issue.

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 2023-07-01
Company: EQUIFAX, INC.
State: TX
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: IN
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 am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years.

Here are just some of the errors being reported by all three bureaus : 1. Incorrect start date. 2. Incorrect last verified date. 3. Incorrect last payment date. 4. Incorrect closed date. 5. Incorrect account status. 6. Account number is not visible and complete. 7. The creditor name is abbreviated. 8. The supplier/creditor information is incorrect. 9. Late payment history is physically impossible. 10. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. Experian has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.

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