BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: LoanCare, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I remitted an incorrect monthly mortgage payment for XX/XX/2020. It's an typo of XXXX when it should be XXXX. The payment was sent in time but the servicer decided not to process the payment. I realized the error when receiving the monthly statement and the new amount including the shortage. Around the same time, I received delinquent notice from the servicer. I checked the online account, everything is in good order as both payments were applied. 
Subsequently I noticed my credit score has dropped significantly and realized there's a delinquent put through by Loancare. I contacted the credit department via email per instructions from customer service. It replied backed within 1 week indicating the case is closed without any explanation. I checked my credit score and realized it's now changed from delinquent to late payment. Again, I contacted the credit department and same thing that the case is closed. There's no way I can get in touch with credit department or have any actual explanation why it should be treated as late payment when payment was made in time and it's the processing unit decided to hold off not to apply payment until the following month. The error/shortgage can always be applied to escrow as the incorrect amount sufficiently cover monthly P & I plus part of the escrow. And XXXX payment was the month when they tried to adjust the monthly amount with the revised escrow and there's multiple statements subsequently. 
Appreciate your kind attention to the matter. It's extremely frustrating for not be able to speak with customer service who can help or receiving an explanation of why it was first treated as delinquent and then late payment. I have other mortgage where there's a more proactive information flow with email notices, etc. So error can be rectified in a more timely manner. 
Loancare has subpar customer services but jumped quickly to blemish customer credit. The dispute channel and process is ineffective with very little true customer support.

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 2020-12-18
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was in deferrance and on disability and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Bi-weekly ACH withdrawal amount increased more than expected and we suspect the escrow analysis was done before we submitted a one time escrow balance due in XX/XX/2019. Although the insurance increased slightly, the numbers do not add up to the overall payment increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Home Loan Center, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on lendingtree where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to Transunion disputing XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and Transunion did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>Transunion responded stating that it meets FCRA requirements which is false.

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 2021-10-14
Company: Synovus Bank
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This issue has been going on since XX/XX/2019. Experian, XXXX and XXXX fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2019-02-17
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
I received a letter from a collection agency notifying me that they had closed my account and requested that the credit reporting agencies remove the collection agency 's entry from my credit reports. 
Soon after that, my Equifax credit score plummeted 40 points in one day and up 55 points 2 weeks later, and down 54 last week for no traceable reason, with no update on my credit of the deleted collection agency and their entry.

At the same time, my XXXX credit went up 30 points and later up again another ten points, with a message to me that the collection agency record & entry had been deleted.

I disputed Equifax 's actions on their dispute form and received an email response 2 days later with their 'resolution ' stating that Equifax 's information and actions on my credit report were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I made contact with Advance America and left a couple of voicemail messages as nobody answering the phone. 
I respectfully requested for stop payments on the payday loan as my XXXX  XXXX XXXX checking account ending # XXXX has a negative balance of around {$400.00} of excessive overdraft fees. 
I am not able to have any funds on my account because of my financial hardship and going through a difficult time with family Hardships and Coronavirus Pandemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sequoia Financial Services # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: MS
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 was disputed with all 3 Bureaus at the same time. It could not be verified. Therefore the account was removed from XXXX and XXXX. Its still continuing to show on Equifax. Im very sure they use the same methods and systems so how was Equifax able to verify an account when the other 2 could not and no documentation showing that it could be verified. And Im certainly sure its against the law to re-age an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TO WHOM IT MAY CONCERN PLEASE DISPUTE MY CREDITOR NAME OF CREDIT ACCEPTANCE CROP. AUTO BROKER AND XXXX XXXX FORCED ME SIGEN FOR PURCHASED. I NOT WANT TO SIGN. THERE MESSY NOW. XXXX XXXX RIP OFF MY CREDIT. HE TOOK VEHCILE AND MOVING IN MINNESOTA. HE PLAY ALLMY MIND BECAUSE OF IM XXXX XXXX XXXX. HE JUST USED MY CREDIT THEN TOOK VEHCILE. HE MAKE MY CREDIT BAD. I WANT REMOVE OFF MY NAME. SO HE HAVE TO REFIANCE LOAN AUTO BY HIMSELF. HE DONT HAVE A JOB. HE COULDNT PAYMENT NOTE VEHICLE. ACCOUNT NUMBER # XXXX AT CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, MI 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 2021-08-05
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a property and escrow closed XX/XX/2021 with a First Payment Due Date of XX/XX/2021. We made our first payment electronically to Guaranteed Rate ( NMLS # XXXX ) XXXX, XXXX ( NMLS # XXXX ) on XX/XX/2021. We have a full bank statement to show the payment was withdrawn by Guaranteed Rate and an electronic confirmation of the payment from Guaranteed Rate. As of today XX/XX/2021 Guaranteed Rate claims they can not find our payment and are refusing to accept further mortgage payments. We are being FORCED INTO DEFAULT by Guaranteed Rate REFUSING to accept our next payment. As of this XXXX PST on XX/XX/2021, Guaranteed Rate claims they still have not found our XXXX payment, refuse to accept further payments and have sent us to collections. Unbelievable!!! I have spent the month of XXXX and the first week of XXXX calling to follow up only to be transferred around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
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:
The payment to the credit holder WF/XXXX was paid on time prior to the regularly scheduled due date. Due to a fraudulent alert when the payment was processed by Wells Fargo the payment did not go through. In contacting Wells Fargo they agreed that the payment was paid before the due date and that they caused the fraudulent alert on my account causing the payment which was made on time not to process through their systems until after the due date. WF/XXXX   representative agreed to remove the delinquent payment notification to all of the credit bureaus. This has not happened. I have also tried to work through their dispute systems and they have not been willing to correct the information on the account. The incorrect information shows the account was delinquent on XX/XX/2016. Wells Fargo is the collector for XXXX who made the mistake in processing the payment on time.

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 2021-04-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.

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 2020-11-11
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX XXXX  which I have severely suffered through I've earned a late remark.XXXX  at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Forster & Garbus LLP
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I willingly agreed for this company, Forster and Garbus, to settle my old college debt with me. And was assigned to XXXX XXXX. From the first day assigned, Mr. XXXX used a repeated loud and aggressive tone to deal with my case to which I would always feel uncomfortable. He would then repeatedly lie and say that I never made arrangements for things I openly asked for on a recorded line. And then, after several weeks of me calling this company to settle a debt and have someone else pick up the case. His assigned supervisor, XXXX XXXX. Never returned my calls. 

Today, I spoke to Mr. XXXX for the last time after realizing that my agreed automated payment was not taken out on the assigned date. He then proceeded to tell me that he has no agreement on file and that I never provided the company with any information, after this company retrieved money from my account for the past 2 months. This is robbery and abuse and now I have not been able to reach anyone decent from this unethical office to try and get this debt behind me. I no longer wish to deal with this company and would like to file this complaint so that nobody else experiences this abuse from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: NY
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : : XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
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:
Someone opened a XXXX account in my name opened on XX/XX/17 the balance is XXXX

Company response to consumer: Closed with explanation