BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: Source Receivables Management LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

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 2018-12-05
Company: CARRINGTON MORTGAGE 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:
XXXX  XXXX XXXX is reporting delinquent status this mortage was modified and all payments were current for the 4 months XXXX  XXXX XXXX owned this account it was then bought out current by carrington mortage XXXX XXXX XXXX continues report erroneous information and we have joined a class action one of many XXXX has going for this reason XXXX  does nothing but scan this and report this as update we filed 609 1 a 1 form with them of which the disreagsurded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CORELOGIC 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: Problem getting your free annual credit report

Complaint:
I am having issues accessing the site to receive my XXXX XXXX and XXXX Credit reports. I have been trying to get my report from the site and I keep getting kicked out.

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 2021-08-17
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company kimball tyree st john went and file a no EXEMPTION for costs without any notice after I disputed the debt as time barred debt. They were very sneaky and deceptive in what they did they filed it this month as I was disputing, they need to quit using questionable deceptive practices to collect funds I don't owe. The debt was given to my ex wife in court being that her and her family incurred the debt, being that they can't reach her they are trying to come after me, bit XXXX have a court order stating that I don't owe it. They need to stop coming after me an reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
filed an dispute with XXXX XXXX XXXX XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I refinanced my car loan with Capital One Auto Finance last year. During that time they failed to transfer the lien from the title in their name from the previous lender. I have since paid off the loan in full and received a lien release from Capital One, but when I tried to apply for a clean title I was denied because Capital One has failed to move the lien in their name and the DMV still lists XXXX XXXX XXXX XXXX as the lien holder. I since have been trying to work with Capital One, but they have been giving me the run around, and I have been calling several times a week for about a month now trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Credit , Inc., is attempting to collect a debt that is not overdue, is not in collection, and the account is open and current. 

I have attached copies of my OPEN account, showing the account is active with not payment due.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: DC
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}

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 non-monetary relief
Consumer complaint received 2020-07-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
In the beginning of XXXX I called Santander Bank for help with COvid 19 and the approved my loan to be in forbearance. Later that month, they contacted me to extend the forbearance agreement to which I declined and told them that I was paying the debt off because I wanted to refinance my house and my mom was helping me pay the debt off. In that case, I was under the assumption that I needed to be on time for my next payment in XXXX. I paid my XXXX payment and it was credited to XXXX ( the forbearance approved month ) causing me a late payment for XXXX. I called XX/XX/XXXX and disputed the payment to which they removed from XXXX  and XXXX  but not XXXX. XX/XX/XXXX I called to find out why the late payment got not removed from XXXX  and XX/XX/XXXX they reported late payment for all 3 Credit Bureaus again. Reference given By the bank were XXXX and Reference XXXX. Now I can't refinance my house and that late payment will cost me thousands of dollars over the years. My efforts to pay the line off and get out of forbearance were useless and during this Crisis moments Santander did to me the worse thing anyone could have done. I am struggling because of Covid 19 and  it was the reason I requested help to start with. I was never late for any of my accounts and they ruined my credibility with other lenders.

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 2020-01-23
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Corporation bought my mortgage from XXXX in XX/XX/XXXX. I make/pay my mortgage payment on the XX/XX/XXXX of each month using Bill Pay from  Bank ( XXXX XXXX ), the payment is intended for the following month. For instance I paid the mortagage payment Due XX/XX/XXXX on XX/XX/XXXX. I called PHH in XX/XX/XXXX when I received notice from them that they would be taking over my mortgage and confirmed that they had received the XX/XX/XXXX payment from XXXX and that my next payment due was for XX/XX/XXXX. I made a payment via XXXX XXXX  Bill Pay  on XX/XX/2019 to PHH Mortgage for the XX/XX/XXXX Installment. I then made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XXXX Installment. I then went online in XXXX and noticed that neither payment had been received/posted. I called PHH Mortgage and they gave me numerous excuses about why payment had not been posted. They said I put the wrong company name on the payment and then later said it was because I had the wrong account number. They demanded proof of payment from me. I provided my bank statement from XXXX XXXX  showing the ACH payments had been made to them. I even had a representative from XXXX XXXX  call them. They finally posted my XX/XX/2019 payment however they are still refusing to post my XX/XX/2019 payment. My husband and I call every day and the only people we have been able to speak with are in XXXX. They speak very little English and they do not have a solution. On a call three weeks ago they finally told us that they had received our XX/XX/2019 payment but because " we put the incorrect account number on the ACH '' they posted the monies, totaling {$1600.00}, to another account. This was a closed account so they then sent a refund of {$1600.00} to that individual who used to have that account. We are now being told that until and unless those individual return those monies they can not and will not apply the funds to my account. I do not believe this is acceptable. I have a very high credit score and have NEVER missed a mortgage payment. This company is refusing to help and I can not speak with anyone with any kind of authority who can help get this resolved. To make matters worse I am in the process of selling my home and very shortly will be paying off this mortgage. I fear that if this doesn't get handled ASAP PHH will keep my {$1600.00} and I will be out the money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: PNC Bank N.A.
State: AR
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:
My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never Bern combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an alert from my XXXX  XXXX  stating possible fraud and a balance overdue. I am in good standing always with payments, so the alert was because it did not line up with my current credit history. Upon my review, there was supposedly an online account with apple on a virtual account and a charge of {$2.00}. I have made over 9 phone calls over this month to figure it out and Goldman Sachs and Apple Card can not tell me. They just keep asking me to file fraud claim and they have no idea where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Creekside Finance, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Went to XXXX XXXX XXXX XXXX in XXXX, NC to purchase a Motorcycle, Sales Manager XXXX XXXX approached me, I told him I was interested in purchasing a Motorcycle, after I picked one out I wanted he suggested I go see his good buddy XXXX XXXX XXXX at Creekside Finance he guaranteed me that XXXX would get me approved for a loan. 

So I proceeded to Creekside Finance in XXXX, NC and spoke with XXXX XXXX, he said as long as I put down {$1000.00} he would approve me, so I gave he the {$1000.00} down, so XXXX XXXX XXXX started the financial paperwork, he said I'll have you out of here and riding in less than an hour. After reviewing the paperwork, I disagreed with XXXX on the credit, life, and other insurance he had on the paperwork, XXXX told me that it's a requirement from Creekside Finance, he said if I disagree with the forced place insurance, Creekside will not finance the motorcycle. 

I wanted the motorcycle, but didn't want the forced placed insurance premiums that was added, since I would have full coverage. Again this was forced placed insurances. I refinance this loan, at which time XXXX again forced placed the insurance, I also disagreed with the late payment fees, NC Law states finance companies can not charge late fees unless you're at least 15-days late. 

Also XXXX XXXX XXXX was just arrested on XX/XX/2018 for embezzlement of {$200000.00} from Creekside, XXXX XXXX was also charged, Creekside Finance never let me or any other customers know about this, XXXX XXXX was the loan officer in charge over all motorcycle loans, along with other loans. 

The truth in lending act was violated on this loan as well, the monthly amount due each month is more than it should be, and the interest rate 28.56. 
Please see all documents provided. 

Also Creekside Finance has two liens against the title, which is illegal, you will see this in the information provided, the {$1000.00} down payment wasn't added to the financial document, another violation under the truth in lending act. 
When I refinanced the loan, the amount previously paid wasn't considered or listed on the new financial documents. 

The forced placed insurance needs to be refunded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: MO
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 is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower XXXX XXXX Account # XXXX Account holder not the borrower XXXX # XXXX Account holder not the borrower XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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: Account status incorrect

Complaint:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2021-04-11
Company: Continental Finance Company, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Continental Finance/ XXXX XXXX is attempting to benefit from my credit card which by law is my social security card. I used it to originate this consumer credit transaction on my open end credit plan. Not only that Continental Finance is denying me credit just for exercising my rights to extend myself credit and defer debts. In the initial communication I had never received the 5 things by law that are required to validate a debt. I have sent Continental Finance a affidavit making them aware of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Old information reappears or never goes away

Complaint:
I checked my credit yesterday and today as well. Since speaking with XXXX XXXX XXXX XXXX to pay a balance, my credit score dropped 7 points. It dropped due to old accounts reappearing that were taken off, because they were inaccurate and disputed. One account should not have been submitted which is pathology ; which I am still paying on. I attached photos from XXXX XXXX and pathology. I think it may be my mother or my older brother. They both have an account at XXXX XXXX. But, Someone is illegally making false reportings to my credit which has been going on for years. I could use your help in this matter once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with non-monetary relief