BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with tChrysler Capital since 2017 Ive been trying to make payments on time then COVID-19 hit and I was having a problem to make a full payment and I pay last than {$680.00} on 2 payments I make less than my regular monthly payment 2 times because I didnt have the total amount of the monthly payment of {$680.00} Because COVID-19 I was having a hard time to making the payments and Chrysler capital report to my credit files that I miss payments but the reality was that I pay last than {$680.00} 2 times and Chrysler capital report it as a missing payment.. 

I called And I send it them a later asking them to take the negative report from my credit files but they refused to do and told me they will not help me .. 
My account is updated and I like it for Chrysler capital get the negative report out from my credit file and they are refusing to do it Im here to get help with Chrysler capital about getting them to get the negative report from my credit files soon as possible.. 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX  XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my identity and information to open up a XXXX XXXX  credit card which they used one of my debit cards for the program fee.which was XXXX $ charge on m debit and they ran the credit card to the max XXXX and it still opened I spoke to that bank and told them what happened.also my new bank account where I get my unemployment alot of transactions actions where made that I didn't make that add up to {$1900.00}. I also been seeing multiple credit inquiries the inquiries that I did not make I tried applying for a credit card that I definitely qualify for qualify for and it won't approve me when I got a good credit. I noticed this All Star that happened when one of my phones were lost or possibly stolen And it had all my accounts and information such as ID social etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it

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 2017-11-29
Company: Federal Pacific Credit Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: SYNCHRONY FINANCIAL
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:
CONTACTED THE COMPANY LONG TIME AGO TO SOLVE THE ISSUE, NO RESULTS. 
I WAS GOING THROUGH A HARDSHIP BETWEEN XXXX AND XXXX NO JOB. I NEED THOSE LATE PAYMENTS FOR THOSE 2 YEARS BE REMOVED.

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 2017-12-08
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX because Sequoia Financial Services kept checking my credit and had 5 bills of mine totaling almost {$17000.00} ... the original Total was over 50,000 and the hospital absorbed 95 % leaving me with a balance of {$2600.00} ... I never received anything from the hospital and it was sent to collection almost immediately even after the financial agreement ... They also retrode it to cover past and present ... I only received {$14000.00} of that {$50000.00} total and bills the rest I never saw ... And Sequoia also had two bills for over {$6000.00} that the hospital never sent me from XXXX and I do n't think I was even there ... When I filed the dispute with XXXX on XXXX XXXX I sent them the documents from the hospital as well as my letter asking for the financial assistance ... On XXXX XXXX XXXX  removed every single one of the Sequoia charges because they were not valid ... Then on XXXX XXXX I got a letter from Sequoia Financial Services stating that I owed them {$12000.00} and that amount almost {$1700.00} was interest that they illegally charged to my account on fraudulent bills ... those two bills for over {$6000.00} for not included in their total I do n't even think that they were real bills ... and the worst thing that they did was they somehow illegally obtained my very private and detailed emergency room visit that nobody should have ever seen ... I know this because Sequoia sent it to me and I was floored ... I have never heard from them since and a couple days ago I got a bill in the mail from another collection agency called XXXX XXXX XXXX and they have purchased one of my accounts from Sequoia ... this company is the worst and they have so many complaints against them I ca n't even understand how they 're still allowed to be in business ... They are Crooks and they are breaking the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone spent XXXX on my Citibank master card on XX/XX/XXXX. As soon as I noticed the charges on XX/XX/XXXX I notified Citibank that was fraudulent activity. This person bought several cruises on my card. I have never heard of the cruise company and I have never ever spent XXXX in one day. I can not understand how this is not flagged as suspicious activity. As of today XX/XX/XXXX the charges are still showing on my statement and every time I call Citibank I get the run around.

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 monetary relief
Consumer complaint received 2021-05-05
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. 01 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company I C systems is trying is saying I owe them {$800.00} for a XXXX bill. I never had XXXX. My credit score dropped tremendously because of this.

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 2019-04-17
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I leased a new vehicle and were told to wait for documentation from Chase auto regarding the payments. We waited, nothing came, I started getting several calls a day, I answered, the automated calling system immediately asked for my account number ( which has not been provided yet ) or my social security number. I call the number back and have the same options. I will never provide my SSN to an automated system so I'm not sure what they expect me to do. I did get through to an agent who confirmed my address was correct ( I have also received plenty of mail from the dealership ) and advised that I need my initial billing statement to know where to send my payment, how much is due, etc. I keep getting calls and want to pay but I will not compromise my identity or banking information in the process. 

I'm also not certain this is not a SCAM attempt at this point. I receive calls from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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:
XXXX is reporting incorrectly to Equifax and XXXX an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never have an account with Midland Funding, I tried to contact them several times but they are failed to send me necessary documents to prove my ownership. I already sent dispute letters to credit bureaus via certified mail. But for 60 days I never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: NV
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 recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I disputed XXXX XXXX XXXX Acct # XXXX on XXXX by sending them a XXXX Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with XXXX but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and Trans Union were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what Trans Union and XXXX were posting. On XXXX I filed a complaint against XXXX with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX  contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX posted on XXXX that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX management about my dispute letters at all.

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 2020-01-30
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is scheduled for foreclosure XX/XX/XXXX with fraudulent robo signed assignments. 
The loan was allegedly placed in a XXXX XXXX XXXX XXXX XXXX 2018 XXXX. This trust was created for the purpose of foreclosure only. The loan was toxic from conception. I mailed a qualified written request and also ask for proof of claim and neither were responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: NV
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 recently filed an FTC report for Identity Theft. I then submitted the CRA 's a copy of that filing and a list of items that were included in my FTC affidavit that should be removed from my credit profile. There are several tradelines still reporting fraudulently on my report. These companies include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: BARCLAYS BANK DELAWARE
State: NV
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:
Barclays is still reporting a closed account to XXXX. This account was never delinquent. This account does not appear on the other 2 credit bureaus ( XXXX or 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 2020-12-15
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The statute of limitations for this debt from 2017 should apply. 

XXXX XXXX XXXX , XXXX has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency Synergetic Communications , IncXXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
when separated there was a bal on comcast that was never forwarded because XXXX took over account. 

once came to my attention. was paid in full immediatly. 
but it is still showing up on collections on credit reports at experian and others. 
i was told it was to be removed and it is on there. 



also on credit report my ex husband is listed as current spouse. 
i would like that removed

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 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing presently in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief