BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am submitting a complaint against XXXX XXXX which is a third party company who has purchased an inaccurate collection list from Synchrony Bank. They are reporting to XXXX, XXXX, and XXXX that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b. for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.

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 2017-12-06
Company: Ocwen Financial Corporation
State: MD
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:
We have account with Ocwen Loan Servicing. We applied for a business loan and was turned down because XXXX reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is Ocwen that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We own a small business we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our  personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it Ocwen or XXXX or both. We have never had a problem like this. Hope you are the right place to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX  related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX   requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX   bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: National Auto Lenders, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/2021 requesting national auto lenders to validate debt because I have no knowledge of this account the company neglected to provide me with any documents they basically ignored my letter which is very disheartening. The company is allotted no more than 30days to validate the debt failure to do sure means they must delete this account. However, this company is still reporting this account on my credit report please help. By the way Ive also included a copy of my certified mail receipt indicating letter was sent

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 2020-05-08
Company: Rocket Mortgage, LLC
State: KY
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 have a paid off in full closed mortgage from quicken loans and they showing late payments I filed a dispute and the results came back and they added even more late payments to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling 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 2021-09-03
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX I applied for a personal loan with SoFi to consolidate my debt and also provide funds for an unexpected veterinary bill. I applied with SoFi because they had an offer to get .50 % taken off your APR if you set up autopay and use 50 % of the loan for credit card debt. I hard pull on my credit was done. I was approved and started setting up the transfer to my credit cards, to find out that not all cards are supported, meaning I would not get the APR I was told I would receive because the transfer balance was less than 50 % of the total loan.

The fact that not all credit card types are supported is not listed on their site anywhere ( which I confirmed with their customer service ). The hard pull that was preformed on my credit will lower my credit score, and could prevent me from getting a loan with a better APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: National Credit Systems,Inc.
State: PR
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 toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from XXXX XXXX XXXX XXXX. they say that Navient hired them XX/XX/2018 to collect on two defaulted loans. Navient says they did not send two loans into default. XXXX told me that they were hired through Navient to collect and this is done through the back side of Navient. XXXX XXXX also told me that XXXX XXXX  is now owned by XXXX XXXX XXXX XXXX and are hired by Navient. I asked them where can I look at my account and see payments as when I log into XXXX XXXX nothing is there no payment history or anything. Only that XXXX XXXX has the loans but XXXX XXXX say they have them. Who has the loans and are multiple people collecting on them? : XXXX at XXXX XXXX told me there is no payment history because my social security is being garnished and I am not willfully making the payment that no money is going toward the principal. It goes to late fees and interest She also threaten to garnish my part time job, my taxes and my social security if I dont set up payments. Isn't that a threat or extortion? She also said no money is going to the principal that they and Navient are keeping to funds toward their fees, late fees and interest. This has been going on for 3 years now and 8 collection agencies have had this loan and its more now than it was and I have no proof of payments being made. Can someone please tell me what is going on? I think I have 3 companies trying to collect from me and I keep getting threats and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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: Old information reappears or never goes away

Complaint:
XXXX, XXXX  and equifax all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After four months of being lied to and thousands of dollars spent ( because that was the only way we were going to refinance through FHA ) XXXX XXXX dropped the ball. This has been a horrible experience. They asked us to give the a foundation certificate ( among other items we have provided ) that we gave to them months ago. Then at the very end of our loan ( 4 months ) said we needed to re-due the foundation with in a week or they cant help us per FHA. FHA does not require this. It comes down to the fact that we have a manufactured home ( in great shape ) and instead of telling us at the beginning of this four month process that they weren't going to refinance manufactured homes any more, they gave of a list of items that they were in hopes we could not provide. This last item would cost several thousand dollars, they new this. They have ruined our credit ( we had to max out all credit cards and spend all of our savings to replace roofs, windows, etc. I have emails and documentations to prove that they told me several things that were not at all true.

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 2021-09-03
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX. I submitted a letter to the credit bureau for this matter and I reached out to the company and they informed me that I needed to submit a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.

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 2021-02-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Collection Services stating that I owe a debt from XXXX XXXX Auto and Home .I do not owe a debt from this company and they were unable to validate or show proof of a contract from this debt. There is no such debt reporting on none of the 3 credit bureaus from XXXX XXXX Auto and Home nor Credit Collection Service so therefore how can Credit Collections confirm a that if there is no debt reporting they are trying to extort money from a debt that is not owed therefore they need to take this account and delete it from their files it's not even reporting from them nor XXXX XXXX auto on none of my credit reports. FRAUDULENT ACTIVITY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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:
I have sent multiple letters to Experian to remove the inquires. I have even place a Fraud alert on my report and Experian refuses to remove them.The request that I submitted included XXXX hard inquires that were not factual and received the same response for ALL inquires which was inquiries are factual record on file access. If you I believe this was unauthorized. Please contact creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my letter one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.Kindly investigate my claim in accordance with Fair Credit Reporting Act.

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 2017-12-04
Company: EQUIFAX, INC.
State: IL
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 spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Nordstroms account is paid in full and closed, its being reported as paid in settlement/Charge-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Army and Air Force Exchange Service
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.

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 2018-08-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end. 

I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do

Company response to consumer: Closed with explanation