BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing - XXXX Original line of credit Loan established in XXXX of XXXX. In XXXX the loan was transferred to Specialized Loan Servicing. Made monthly payments on the loan for 10 years and received a balloon payment notice in XXXX of XXXX showing a balance of XXXX due within 30 days. Company would not accept any lesser amount and rejected all monthly payments made after XX/XX/XXXX. Trying to comprehend how the balance is still XXXX after paying on the loan for 10 years. We attempted to work out a payment plan with company, they didn't want to accept anything less than the original amount. We then started working with primary lender refinance first loan to payoff the second mortgage line of credit but In XXXX the company started foreclosure proceedings which forced us into bankruptcy to keep the house. When covid hit in XXXX we were 2 and a half years into the bankruptcy and had the bankruptcy dismissed due to unemployment. In bankruptcy we were paying XXXX per month towards the loan but the account still shows XXXX due. We are working to refinance again but find it hard to believe that we have paid out almost XXXX towards this loan now in the past 14 years and the balance is still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this compliant in regards to the numerous efforts of faxes, phone calls and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with Equifax, XXXX, and XXXX in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to Equifax, XXXX, and XXXX the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX, XXXX  # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-11-26
Company: General Motors Financial Company, Inc.
State: WI
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:
My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax has committed identity theft am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX XXXX XXXX  thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA , My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and Self Lender/ Lead Bank is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) n In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXXXXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/21 received text from Coinbase that my password was changed ... when I checked the App I was locked out of my account. followed by emails stated that I had authorized a new device, which I didnt .. 
I opened Coinbase ticket : # XXXX XX/XX/21 Received email to reset password.. the system didnt let me log back in I opened Coinbase ticket # XXXX XX/XX/21 My XXXX XXXX  account was compromised and XXXX was withdrawn to fund my Coinbase account which I was locked out of. I contacted my bank to block any further withdrawal from this merchant. 
I opened Coinbase ticket # XXXX XX/XX/21 Revived an email from my bank ( XXXX XXXX ) stating my my XXXX withdrawal by Coinbase was returned due to insufficient funds. 

I AM UNABLE TO CONTACT A COINBASE REPRESENTATIVE TO SPEAK TO. I CAN OPEN HELPDESK TICKET. 
FRUSTRATED-ANGRY- VOilated -ROBBED OF XXXX US DOLLARS . 
I NEED MY MONEY REFUNDED BY COINBASE. 
THEY DID NOTHING TO PROTECT MY PRIVACY AND MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-07-13
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: ALLY FINANCIAL INC.
State: MN
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:
As of XX/XX/2020 my XXXX XXXX XXXX  and XXXX XXXX report shows a increase of XXXX just added to my report through Ally Financial. I called Ally financial XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX  and XXXX XXXX. Ally said there are no late payments and that they will file a dispute but will take 45 business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through ally financial was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if ally said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (

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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a lowes/synchrony credit card. I provided all the required information including a biometric scan and images of both sides of my State issued drivers license online. 
I received an error message that said I needed to go to a Lowes store and apply which I did. The store personnel did not request the biometric facial recognition data or the copies of my drivers license and they informed me that I was denied. 
I have more than 10 C d accounts and a RoomstoGo/Synchrony account all in good standing. 
Now I am being told that Synchrony can deny credit for any reason they so choose. This is a direct violation of The Fair Credit Reporting Act as it is worded. 
I need to know if I can expect this kind of disfunctional credit assessment due to unannounced changes to lending policies which do not mention that this new requirement can be used, even when it doesn't work properly online or in store, to deny credit to a perfectly credit qualified individual.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: CA
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 went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). XXXX and Experian both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form 1099. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.

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 2019-09-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. 

I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. 

I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. 

These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who this company is, and i don't owe a debt to them for the amount of {$360.00} for the date of XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX2022- I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Issue1 : I requested XXXX XXXX to close my account and refund money on XX/XX/2021. Account is neither closed nor I have received my monies. I call almost everyday and each time I was told that it would be resolved the next day which is never ending. Yesterday, I was told that the review would be completed this morning and I should have an answer but, when I called a few minutes ago, account is still under review and they were not able to provide a status. This account has been under review since XX/XX/2021 by these incompetent unprofessional firm. 

Issue 2 : I made a cash deposit and a check deposit at an ATM but my online account activities didn't show check deposit. I contacted XXXX XXXX, they said it could take up to 3 days to show up this deposit in my account but it still didn't show after 3 days so I contacted the check payer who moved funds from his account since we didn't know where the check was. On XX/XX/2021, XXXX XXXX blocked my online access. 

The amount I entered above is the approximate amount since I do not have access to the account to check balance.

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 2023-02-22
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid bill in full to have a XXXX balance. As confirmed on the phone my balance was at XXXX. I then did not use card for several months to then find out that I had a bill due and it was all late charges. As I thought I had overlooked something I proceeded to pay the bill in full and got confirmation that my account was again at XXXX. I then recieved a bill two months later to see that they had charged interest after the fact and then since I did not pay the XXXX dollar interest they sent another late fee. I talked to comenity about this and they would only put my account to XXXX and assure me that there will be no more charges to my account. I asked for refunds of previous late charges that were charged to my account after I had paid in full, I then got sent to a super visor who heard my complaint and would not do anything to refund the previous wrongful charges after account was supposedly paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: CITIBANK, N.A.
State: CT
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:
I am writing in regard to the AMEX/CITIBANK , N. A XXXX  XXXX. This item was disputed using CFPB. The complaint was sent on XX/XX/22. XXXX completed its investigation, including contacting the furnisher of the information. On XX/XX/22, XXXX responded and deleted the account from the credit report, but only XXXX deleted the account. The other credit bureaus didn't. 

This is a violation of FCRA 623. FCRA places the burden on the furnisher of the information to update any reporting so as to maintain its current accuracy. FCRA 623 ( a ) ( 2 ). Additionally, FCRA 623 ( b ) ( 1 ) ( D ) requires that if an investigation of a dispute, the furnisher finds any information to be inaccurate and thus in need of correction or deletion, they must provide those results to all other consumer reporting agencies to which they have also reported the disputed information, and not just to the CRA handling the dispute.

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 2023-04-13
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, XXXX and Experian. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation