BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: American First Finance, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had financed furniture through American First Finance, with the agreement of XXXX semi monthly, then the date from XX/XX/20 - XX/XX/20 they took out 5 payments and another XXXX to close the account, I was told that the loan date was up XX/XX/20. Why would they give you a loan dollar amount that would not match the time of the loan? I tried to contact them and was told that since I was on auto pay they could keep collecting until the debt was settled. I do not think it was made clear at the time of the loan nor at the end that this would be happening. I do not know of any person that has 5 extra payments laying around for a company to continually take out. I had contacted my bank and they are working on getting the last 2 payments disputed, they were from saturday XX/XX/20 but they advised me that since i gave them permission to use my card, it may not help. This was after i knew that they had taken 4 payments out already. I want to know how this is legal. I did not authorize 5 pmts. I did authorize semi monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

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 2021-11-08
Company: EQUIFAX, INC.
State: OH
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: 21ST MORTGAGE CORP.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a mortgage for a manufactured home. We applied with 21Mortgage.com. This process is so flawed and discriminatory. With our income we far exceed the minimum. Our income is more than {$5500.00} a month. I got a call from who XXXX stated that it was because of our car payments, which are not very much. XXXX was very dismissive and rude and I feel that because we were white that is why we were denied. We meet and beat all of their requirement that are on their website. This is not a fair and equal process as stated by the FTC. They were looking for a reason not to be fair and equal under the law. I am attaching their decision and their one and only reason for denial in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX. XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back 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 explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FC HoldCo 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: Account status incorrect

Complaint:
I have a car loan from FLAGSHIP CREDIT ACCEPT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FLAGSHIP CREDIT ACCEPT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and FLAGSHIP CREDIT ACCEPT with no successful resolution. XXXX, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.

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 2019-06-24
Company: Flagstar Bank, N.A.
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: Account information incorrect

Complaint:
I recently had financial difficulties in which I let Flagstar know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days.

Flagstar put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ...

Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship.

I have attached a letter that I provide Flagstar in XX/XX/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 2020-04-30
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a good long time 19 year job, my credit is not so good but improving I have applied for FHA loans via XXXX, Quicken Loans, XXXX XXXX, XXXX XXXX XXXX and others even with 5 % down cash I have everyone has denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
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:
i have attached documents from XXXX XXXX and XXXX XXXX detailing my situation. 
also i enclosed my letter detailing my complaint. 
i paid off my XXXX XXXX account on XX/XX/XXXX. 
in XX/XX/XXXX XXXX XXXX they report to experian a charge off of the remaining balance. 
there can not be a charge off as there was a XXXX balance this bogus charge off is preventing my wife and i from getting a mortgage

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 2019-06-24
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: Account information incorrect

Complaint:
I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX Equifax, XXXX andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have talk to Equifax several times regarding my credit report. My account from Equifax, is not showing all of my correct accounts. Ive talk to an supervisor XX/XX/XXXX, to remove the fraud alert and remove the incorrect date of birth from my my credit report. Equifax had two DOB XX/XX/XXXX, XX/XX/XXXX for me, my correct birthday is XX/XX/XXXX. However XX/XX/XXXX account had all of my correct credit information. They were supposed to update and merge my correct birthday. XX/XX/XXXX had incorrect information on that credit file. Proof to show, that account from peoples commerce was removed. My score is incorrect, it still has not updated. My accounts are incorrect, it still has updated. The supervisor gave me confirmations that my credit report was updated and it still has not. I have many positive accounts, none is showing on my credit report. Im in the process of buying a home, however so can not because my credit report is not accurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have several issues with Synchrony Bank, They have closed and reduced several of my cards. I have never been late on any of my cards where is would require them to close my account I have always had a good standing with them. 
They have closed the following accounts SYNCB/STEIN MART DC and reduced a {$7000.00} balance to {$2000.00} and closed ( XX/XX/XXXX ) with me owing {$1900.00} in which this account has always been in good standing. Never a late payment Opened this account up in XX/XX/XXXX. They said that closed this because I had two NSF returns in a 12 month time but told me if I didn't have auto draft set up and just didn't make the payment I would be fine. Doesn't make sense as long as I make the payment and not late. 

SYNCB/Belk closed XX/XX/XXXX never been late ... Limit was {$2000.00} reduced to {$1000.00} I paid as agreed never been late ... was open in XX/XX/XXXX SYNCB/CARE CREDIT reduced my limit from {$2500.00} to {$500.00}. I had never been late. I felt violated and closed this account myself. I opened this account XXXX XXXX closed on XX/XX/XXXX SYNCB/TJX CO DC had a {$2000.00} limit never been late they closed this account on XX/XX/XXXX This account was opened in XXXX closed by SYNCB on XX/XX/XXXX SYNCB/JCPenny closed for no reason never been late. 


All the closing and reducing limits has been injurious to my credit profile. It's totally unfair to the consumer when he upholds his end of the bargain and you have a computer generated script that controls the consumers limits and closes his/her account this should a be against the law and fair credit practices. That software should be banned or rewritten. 

I have attached what my credit report looks like for each account ... all were in good standing

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, XXXX, and Transunion ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But Transunion and XXXX  did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but XXXX  and Transunion Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

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 2018-01-13
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: SN SERVICING CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband, XXXX XXXX, passed away on XX/XX/2017. Since that time, I have made every effort possible to resolve the outstanding mortgage on the property with SN Servicing Corp. I do not have the financial ability to maintain his mortgage, so I have repeatedly requested short sale consideration. SN Servicing Corp maintains that the owner of the note will accept no less than $ XXXX net proceeds for the property. Unfortunately, just as I do not have the financial ability to pay the mortgage, I far from have the financial ability to complete the repairs necessary on the property to obtain an offer that would net them such proceeds. SN Servicing corp refuses to complete an interior inspection, bpo, or appraisal of the property, such as is standard with most all other banks and servicer 's to determine the true value of the property as is. I am a widow, this is not my house or debt, and all parties are just looking to come to a mutually beneficial agreement for both the owner of the note and to resolve my late husbands estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have no idea why these people are calling me -- they are apparently trying to collect a date incurred in the State of Kansas. I have never lived nor worked in that state, nor have I ever even been there. They are obviously seeking the wrong person who unfortunately has an name like mine. The phone calls are robocalls, not a real person. They call constantly, during the week, in the evening and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation