BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received numerous calls from Transworld Systems Inc. trying to collect a debt owed to XXXX XXXX XXXX XXXX. 

Their references/file # XXXX their invoice number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax does not allow me to unfreeze my credit report online or through their automated phone system. 

Unfreezing my credit report requires talking to a live agent per Equifax 's customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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: Investigation took more than 30 days

Complaint:
In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with Toyota Financial, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from Toyota Financial 's collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice fromXX/XX/XXXX XXXX whom I have a monthly monitoring service with ) that Toyota Financial had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from Toyota Financial that prove I was not to make my payment for that month. The results continue to come back the same, Toyota Financial refuses to remove this from my credit report. I have also contacted Toyota Financial numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When outside companies contact Equifax to pull my credit score/report to obtain a loan ( car, mortgage, etc. ), they are unable to do so. These companies provide my personal information ; name, DOB, home address, SSN, etc. and the business section of Equifax indicates to them the information is not correct for verification. For security reasons, they do not release the information to the companies that is incorrect. 

I have tried diligently for over 3 years connecting with Equifax and each time go through the same verification process with them over the phone and they confirm my identity to be valid. I explain to them the problem of companies not being able to obtain my credit report but I receive the same answer, " nothing appears wrong with your report. '' When a credit report is issued to me, I have noticed each report indicates new names and new addresses in the section under " previous home addresses '' which is also incorrect but never corrected. Each month that I have received this report, different names and addresses appear, some from within my state and others outside of the state I live in. Although this is incorrect information on my report, I don't believe this to be the problem as to why companies can not obtain my report. This is a separate problem I would also like to have cleared up. 

A few years ago, Equifax had a breach and I was contacted by my bank. Equifax provided a 1 year free identify protection service and the ability to " freeze '' my account, which I did. A few years ago, I released the freeze when wanting to obtain a loan so that my credit report could be obtained. According to Equifax, there is no freeze on my account and yet they don't have an explanation as to why companies are not able to pull my credit report. The problem with companies trying to obtain my report started after this breach or after the freeze was initially placed and released. 

In an effort to fix this problem and aside from reaching out to Equifax directly over the phone, I have also supplied Equifax with numerous emails and faxes proving my identify with drivers license information, utility bills, tax records, etc. ; again, with no resolution to this problem or reply. 

I am at a loss on what or who to contact to resolve this issue as I am making absolutely zero headway with anyone at Equifax. I need help to FIND the problem and resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ameri home mortgage company refuses to assist me with hardship with my mortgage even though i appled many times and asked them for help requested for help still refuses to help me with my mortgage hardship i am having?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. 

I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. 

In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX   : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX   reported as Negative - not mine XXXXXXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from XXXX  provided that my complaints have been investigated! 

XXXX XXXXXXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX XXXXXXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine Equifax : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

Equifax reports two bankruptcies that are inaccurate or erroneously documented CapitalOne account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MI
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with this company CFPB against Ocwen ( the company in which CFPB sued in reference to many consumers ), however CFPB closed my complaint after first response from Ocwen without my reply to the information they submitted. However, I gave my response to info in feedback inquiry as Ocwen 's own data showed they added over {$12000.00} to my mortgage balance after I was harrassed and threatened of foreclosure if I did not catch up 2 missing payments. Also after submitting all info and documents to my request for remodification under the HARP/HAMP program, my request was never processed. Instead thousands and thousands of dollars were added to my balance in 2010 with no explanation as to why. I am very disappointed to the handling of this matter and is still stunned and why my complaint was closed._

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I advised Chase of the billing error for goods and services not received. Chase refused to file a claim and said I had to call back another day. Per Reg Z a financial institution can be notified in writing, mail, or by phone and the institution must start investigating the billing error once notified. 

Call to chase took place on XX/XX/2019. Representative said he would simply notate account. I asked when funds would be credited to account, and he ignored the question and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: NY
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:
If Equifax dont remove this negative inaccurate account from my credit report We are going to arbitration XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Penn Credit Corporation
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear PENN CREDIT CORPORATION, You are in violation of my consumer rights and willfully listed a debt I have never incurred. Furthermore, there was never a notice given to alert me to this supposed debt. I received no letter from your company about the alleged debt. My account with XXXX has never been late nor have I ever left a bill unpaid in the 4 years I received electric service. I moved across the country on XX/XX/2018. At which point my account was closed and completely paid. My attempts to dispute this matter directly with you have been unsuccessful. Shame on you. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I selected Capital One back in XXXX as my credit card company because their name was respected in the industry, because they offered a secured card, and most importantly because while researching which secured card company would be the best fit I was told by Capital One representatives that by always paying my card on time that I would have the opportunity for the secured card to be " graduated '' to an unsecured card and I would receive my security deposit back. Fast forward to XXXX I have had the secured card for over 3 years now and never missed a payment ; however I am now being told by Capital One representatives that they no longer " graduate '' secured accounts and was instead told that I needed to apply for a new unsecured credit card. I feel victimized by Capital One as now I am stuck with a fairly low limit secured card that I can not close because I have had it the longest and it will negatively impact my FICO score ( Length of Credit ). I can't apply for a new unsecured card because it will also negatively impact my FICO score ( Number of Inquiries ). My credit score has improved significantly since initially opening the account and as stated I have never missed a payment but yet I am being victimized. I do not feel this is fair and I do not recall receiving any communication from Capital One of their intentions to do away with the " graduation '' of secured cards to non secured. I feel that Capital One has taken advantage of not just me but millions of other customers in the same boat and this is a potentially class action worthy issue. I expect Capital One to do something to make this situation right without negatively impacting my credit score that I worked so hard to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I Was Effected By Covid 19. I Lost My Job. Now I Have All These Late Payments On My Credit Report And Id Like Them Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Newrez/Shellpoint has a loss draft escrow account for my property for an insurance repair. The repair is recently completed and all documents needed for the final disbursement from this account were submitted and acknowledged by them on XX/XX/XXXX. I've made multiple calls inquiring as to the status of the disbursement and the funds have not been released as of XX/XX/XXXX. Customer service states that they can not have someone contact me, can not expedite the process, and their process is to submit the request to the back office, whereby I have to wait and call back and check the status in XXXX business days. Subsequent calls after XXXX days result in repeat of previous ( submit a request, call back in XXXX   days ) which results in no action. Multiple times have been told by customer service that the request has been submitted to release the remaining repair escrow funds. Call with customer service on XX/XX/XXXX stated that Newrez/Shellpoint would send the check out within XXXX hours and to call back for the status. Call on XX/XX/XXXX Newrez/Shellpoint stated that the check was not sent out, I requested that it be sent out that day and overnighted, company said to call back the next day for the tracking number. Call today ( XX/XX/XXXX ) customer rep says that check has not been sent out and is still being processed. 

Multiple calls to try to resolve this : XX/XX/XXXX, XXXX XXXX Each time Newrez/Shellpoint indicates a check will be issued, but fails to do so. At this point due to their delays I run the risk of financial penalties due to the delayed release of funds from the escrow account. It is now XXXX weeks after they have received the paperwork needed for them to process the disbursement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION FOR 30 DAYS AND THEY REMOVED THE FRAUDULENT ITEMS BUT EQUIFAX REFUSES TO REMOVE THEM. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES.

Company response to consumer: Closed with explanation