BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to misdial phone numbers at my work and talking to my coworkers about the call. They call my wife ego has to step out of her classroom and now my mother who is ill. I told them to contact me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: MD
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:
Hello My name is XXXX XXXX I have been having this problem with equifax for a 2 years now. Every time or month I dispute a discrepancy that they have regarding a car loan account, they would fix it and then it goes right back to the same mistake. 

I had a car loan with ( XXXX XXXX XXXX XXXX ) in XXXX, Md in which at one point was repoed in XXXX of XXXX and then the following day it was reinstated. Every since XXXX of XXXX, Equifax would have this account status as " Repoed ''. To make it confusing it show as Repoed/Reinstate. However, this would drop my drop my score to about 100 points. I have been disputing this with equifax and the XXXX XXXX XXXX XXXX loan company. When I contact the loan company they say that this what equifax want this to put on the status. Every time Equifax get an update from the loan company they believe the account is REPOED. So I got fed up and paid off the loan in XX/XX/XXXX and received the lean release to try to help make it better. Low and behold it still comes up with the same thing. I would dispute this every time and they would fix it and the next month it goes right back to REPOED. I do not know what to do. The last 2 dispute was last month and today. Yet I feel I can not do anything. They have several dispute for the same account for the last 2 years and I've call on a number of occassion.. HELP. What else can I do to tell Equifax to stop this. I never had this problem with XXXX  or XXXX. Any help will do. Thank you much XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I went and paid my HOME EQUITY LINE OF CREDIT in full on XX/XX/2020 and the payoff that I got from BMO Harris Bank was as of XX/XX/2020 but I paid it early. Since I paid it early, I was charged interest after the XX/XX/2020 and the bank has yet to refund me the extra interest that I paid. 

Also, BMO Harris charges me a fee of {$75.00} per year to keep the HOME Equity LINE OF CREDIT open which I paid on XX/XX/XXXXbut I received a new letter that shows, they will be charging me a monthly fee of {$75.00} stating XXXX and so on. 

My Home Equity Line of Credit documents that I signed when I opened the HOME LINE OF EQUITY show that maintenance yearly fees is {$75.00} and comes out of my personal bank the month of 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 2022-11-22
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:
I spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi. XXXX Gyms is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match. 

I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt. 

When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both. 

Today I received an email from Aldous & Associates, P.L.L.C. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XXXX XXXX XXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with PayPal and I used the account exclusively to sell on XXXX. 
In XX/XX/XXXX, PayPal suspended my Account. 
Paypal suspended my account for alleged violations of their rules. 
I followed their rules to the letter. 
At the time, my Account contained XXXX. 
PayPal informed me that my funds would be held for 180 days. 
On XX/XX/XXXX, the entirety of my funds were inexplicably transferred to PayPal. 
PayPal Withdraws All Funds and Suspends my Account Without Justification. 
I made several good faith inquiries to encourage PayPal to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: LA
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:
XXXX Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX XXXX reported a late payment regarding my account. 

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from XXXX. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously spoke with a representative from XXXX XXXX XXXX ( who was the collection company for TD auto finance ) who told me that if I paid and resolved the debt that they'd agree to delete it from all three credit bureaus including XXXX, XXXX & XXXX because it was showing as a negative charge-off. I then paid and resolved the account and was then told they would send a letter in the mail confirming this after payment. I received the letter several weeks after payment was made stating my account was indeed resolved however, it was still showing as a negative account on all three credit bureaus. So the agreement that was made was not held up on their end. I have disputed this item numerous times via different channels to no avail. All I've gotten are remarks added to my credit report saying " updated '' but still no deletion made. With all the disputed attempts made requesting for deletion it has yet to have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1200.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. 

Portfolio Recovery does not use account numbers. This account is a duplicate account of its account reported to the three credit bureaus in the amount of {$710.00}, that has also been discharged under  Chapter XXXX Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-09-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 all my accounts held with navy federal credit union were frozen without warning or notification after a deposit of {$5000.00} and {$1000.00} was made to my account by another navy federal member. I contacted NFCU after my card was declined at the drive-thru on XX/XX/XXXX. I was told that the department that could assist me in recovering my accounts was not going to be able to assist me until after XXXX XXXX weekend. My 8 month pregnant wife and I are left figure out how to make it through the weekend with absolutely no funds. With no other options we hunker down for the weekend. First thing on the following tuesday XX/XX/XXXX I reach out again to recover my account. I am given instructions on what to do to recover my accounts. I do so and await a response. It is now XX/XX/XXXX, day 5 with no funds, and i reach out again after receiving no response for over 48 hours. I am told no emails have been recieved and am asked to attempt again. The emails were sent to the very same email address as before no typo was made in either attempt. The department finally receives what they need and now I am told that they need ANOTHER 24-48 hours to review despite my situation. My wife and I have been left in the worst imaginable situation. The lack of services available to recover access to my funds seems unlawful! There are still another 48 hours that we are forced figure out how to get through our day-to-day without access to our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Ocwen Financial Corporation
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly attempted to dispute with XXXX  incorrect derogatory information reported by PHH Mortgage services during 2017. XXXX  has done nothing to investigate other than pass my dispute on to PHH and allow them to self-report as they wish. I actually mailed XXXX  a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. XXXX  merely forwarded my bank statements to PHH and the account remained unchanged. XXXX  has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. PHH continues to lie about the maintenance of my account.

This started back in 2017 and I wrote PHH ( see attached ). PHH failed to ever respond. I am the victim of gross incompetence by PHH and XXXX  has done nothing but serve as a pass-through for PHH despite being presented evidence that PHH is incorrect and unfair reporting.

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 2022-08-07
Company: EQUIFAX, INC.
State: IL
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  Account # XXXX XXXX XXXXXXXX, 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 2021-06-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Shellpointortgage servicing. I made my payment in XXXX to XXXX  for XX/XX/XXXX. Shellpoint said I owed them for XX/XX/XXXX. XXXX said all funds were transferred over but shellpoint never fixed their records. I make my payments on time every month but they keep applying them to the previous month and then telling me I am overdue on my mortgage. They also did not properly apply all of my escrow payments so my escrow account has several thousand dollars less in it than it should. I ended up having to pay my own insurances because they never paid them from my escrow account like they were supposed to. I have called both companies repeatedly and sent in proof of the XXXX payment as well as the insurance payments I have made and they still have not corrected this problem. Instead they just keep calling me and telling me I owe them more money, when in fact they owe me over {$10000.00}. I do not know what to do as this has been going on since XXXX and it still has not been fixed on their end. I did nothing wrong and I am being harassed by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is the worst mortgage lender I've dealt with. The website is dysfunctional ; after calling them on the XXXX last night, the automated information announces that there is a 2 hour wait. I was able to provide my phone # for a call back. That call never came. I again logged on today and tried to reset my password ; no email was transmitted from the company that would allow me to reset my password. This is so ridiculous. I do not recommend using XXXX or Loancare for your mortgage lender. With horrible customer service, they do not deserve our business.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}

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 2020-05-24
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:
On XX/XX/XXXX XXXX XXXX  had submitted to Equifax and XXXX  that my mortgage is in forbearance/deferment. Under the Cares act my credit score should not have changed. However due to this remark both my Equifax and XXXX  scores dropped more than 40 points. I contacted both credit bureaus to let them know that my score should not have dropped for the remark from XXXX XXXX. Both companies have replied back to me saying that they do not agree w/ my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation