BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
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 information incorrect

Complaint:
I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus Equifax XXXX  and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Investigation took more than 30 days

Complaint:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kohls / Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: ERC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been working with XXXX XXXX and more recently i have had several conversation with XXXX XXXX Foreclosure closure expert and have talked to each other a lot. 
Wells Fargo told me last week that every thing was looking goo and to expect all to be settled soon, According to XXXX XXXX ( Wells Fargo 's lawyer? ) my house was sold XX/XX/2019????? 
I left voice mail with XXXX I wish they would just be honest with me XXXX XXXX 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 2019-01-12
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: MI
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 am in the process of securing a mortgage and my bank representative did not get my credit report from Experian. On XX/XX/XXXX-XX/XX/XXXX the bank representative and I called several times to Experian and found out that my first name was appeared incorrectly in their system. So, I asked Experian to change my first name. XXXX, the supervisor of the membership service of Experian told me that he can not change my name as it is officially appeared as XXXX and their system can not include a name just with two letters. My bank representative and I talked with at least five employees at Experian by pointing out that my official first name is XXXX and that is appeared in all of my federal documents ( including passport and driver 's license ), employment records, as well as other credit reports ( such as XXXX and XXXX ).  However, Experian did not change my name. It is unacceptable that I might not secure a mortgage due to the negligence of Experian. But the surprising thing is that the supervisor of Experian membership service did not listen to my concern at all ( I reached to him after an hour of phone waiting ), but rather claimed that I talked with him last week ( which I did not ), and hanged up the phone abruptly.

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 2020-07-31
Company: Great American Finance Co
State: WV
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 had an account with Great American Finance. I paid this account off in full in XX/XX/XXXX. I was never late nor did I ever miss a payment. After I paid this off I continued to get bills saying I still owed a balance. Each month I called Great American Finance and I was told " don't worry about the bill, we see you paid this off {$0.00} balance we will send it to be updated '' then I started to get negative reporting on my credit report - 30 days late. I called them again and they said they would update the credit reports and credit bureaus - I waited XXXX and now XXXX - each month they keep reporting as 30 days late - this has dropped my credit by over 30 points each month. I spoke to a manager at Great American Finance on XX/XX/XXXX and it was suppose to be corrected and they were suppose to send me paid in full letter and get my credit updated. On XX/XX/XXXX when I called back the company hung up on me 2 times and refused to allow me to speak with a manger. I have made multiple attempts to resolve this with the company and they will not stop reporting this as negative when the account was paid off early in full no late payments. I have also opened disputes with all three of the credit bureaus - however Great American Finance keeps putting this back on there each month. I am at a loss at this point and need assistance in correcting this companies incorrect reporting on my credit. I am wanting Great American Finance to stop reporting false information to the credit bureaus and correct what they have already reported falsely. I am wanting all three of my credit reports XXXX, XXXX, XXXX, updated to reflect that I have never been late nor have I ever missed any payments. I want it to reflect good standings that is correct and also I want my points back on my credit score that were taken due to this false reporting. I also want it updated that the account is paid in full with no balance owed. Thank you for all your help as I have struggled with getting a resolution in dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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: Information is missing that should be on the report

Complaint:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation i have sent specific letters to Transunion , XXXX XXXX XXXX  asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my mortgage holder ( NewRez ) in XXXX of this year XXXX to request that they cancel my PMI on my home loan. I bought the house in XXXX and have never missed o r even been late on a payment. NewRez sent me an notice in the mail in XXXX of XXXX stating that they cancelled my PMI effective XX/XX/XXXX and that I should receive " New payment information within 2-3 weeks from the date of the letter. '' I have yet to received a new payment and or new payment information. 
On XX/XX/XXXX I called NewRez " Customer Care '' and spoke to an XXXX and explained the situation, she said she saw where the notice to cancel PMI had been mailed out but could not explain why there was no change ( deduction ) in my monthly payment?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Paypal account was hacked on XX/XX/18 for {$1200.00}. That money was refunded and I was advised to change my password which I did. My Paypal account was hacked again on XX/XX/18 for {$1800.00}. I contacted Paypal and they agreed that the action was unauthorized and I would get my money back. They have locked my account so no more money can be taken. However, since the account is locked, I can not access it to get my money transferred back to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22
Company: HW Holding, 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:
I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, True Accord, XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But Experian and XXXX XXXX are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. E Oscar or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

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 2018-05-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A couple months ago I received a phone call from a gentleman claiming to be from Wells Fargo. I was told that money had been deposited to my account by accident and needed to be sent back via money transfer. To verify I checked my account balance, it showed more money than what was originally in the account. Therefore, I made the money transfers ( one on XX/XX/XXXX for the amount of {$1900.00}, and one XX/XX/XXXX for the amount of {$1900.00} ) as told by the Wells Fargo representative. When I noticed by accounts were over drawn I contacted Wells Fargo. Wells Fargo determined that deposited monies were fraudulent in the form of fake sequential checks. It wasn't until after I had sent the money, that the bank rejected the fake checks, leaving my account overdrawn nearly {$3000.00}.

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 2018-05-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid on XX/XX/XXXX my American Express credit card bill and enclosed a letter saying to please close my account. I did not want to pay the {$190.00} renewal fee. A month later I received a bill for {$190.00} plus interest. I called American Express and cancelled the card. A month later I received a bill for {$190.00} plus late fees and interest. I called again and was told I can only cancel by telephone, not in writing. No correspondence in writing allowed! It was to late to wave the fees when I called since it was late. I asked why I owed money on a card I do not own. 
They said over/over they can do nothing. 
Since then, my credit score has been dinged for non payment and I owe over {$260.00}. 
American Express on XX/XX/XXXX sent me a letter! I was being told my card would be suspended. What card?? 
I called XX/XX/XXXX and talked " the very highest Supervisor ''. I offered to pay the {$190.00} and wave the fees. I still do not know why I owe at all. I have no card. Again since I have no card, sorry. I will be turned over to collection

Company response to consumer: Closed with monetary relief