BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: Farrell Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2012, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to XXXX for 6.5 years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending 6.5 years in XXXX on an XXXX XXXX as ruled by the Utah Court of Appeals in XXXX of this year. 

PLEASE HELP. Name of Collection Agency is XXXX XXXX XXXX in Utah. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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: Personal information incorrect

Complaint:
As of XX/XX/2018, Equifax somehow STILL has these INVALID addresses on my credit report, if you view my XXXX report, you will see that they DELETED all the addresses, but, somehow, EQUIFAX seems to STILL have them on my report, I have tried 5 times before making this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
Hello, I keep trying to open my dispute results and Equifax is claiming my questions do not match and that my account is now restricted and I can only use a blind web email to dispute or to request anything! This is absolutely fake and they are purposely blocking me from accessing my report because I am stern and frustrated at their lack of investigation into two fraudulent accounts. I have placed fraud alerts with XXXX and XXXX so that these fraudulent accounts are completely removed and they simply send me the same pointless email saying information was updated and account verified and now they have completely blocked me from even seeing my disputes and I am 100 % sure I am answering everything CORRECTLY! Nothing was mailed to me but the accounts are still illegally reporting on my credit monitoring. I had no issues disputing these with XXXX  or XXXX and I can not imagine why they don't want to make this right for me!!!!! 

I am blocked out of my account and I have attempted to open it for DAYS and I have used all of my conformation numbers with. nl luck! They made me answer security question 6 times only to tell me each time that I can not access it via online and must use webmail. this is horrible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Support XXXX XXXX ( 2 hours ago ) to me This is an important message for XXXX. If you are not this person, please disregard and delete it. 

Hello XXXX, Thank you for reaching out. 
You currently have XXXX. 

XXXXaccount has an outstanding balance of {$1300.00} with XXXX XXXX XXXX that defaulted on XX/XX/2017. 

This account was originally from an online tribal lender and a separate complaint was made against XXXX  dba Blue Chip Financial back in XX/XX/2017. Apparently, XXXX dba Blue Chip Financial sold the account to XXXX XXXX XXXX who never contacted me, and now the account was sold to XXXX XXXX. 

I do not owe {$1300.00} and I originally discussed this with the original company who refused to acknowledge that they illegally engaged in payday loan practices with me living in California and they are a tribal lender.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2018 I was introduced to XXXX XXXX of Guaranteed Rate by my Then Real Estate Agent XXXX XXXX XXXX because his wife is a manager there. The lender asked me to put a XXXX charge on my charge card for an appraisal ... but pursuant to XXXX XXXX  '' The lender will request an appraisal straight from the VA website. VA will then select an approved appraiser.. Then on XXXX XX/XX/2018, XXXX XXXX my then real estate agent sent me an email saying for me to go to my email an electronically sign a closing document.Upon reading the form I noticed that the lender was charging me the funding fee.. Pursuant to XXXX  '' Veterans receiving VA Compensation for service connected XXXX do not have to pay funding fee. '' I HAVE A PERMANENT AND TOTALLY XXXX VETERAN..PLEASE NOTE THE CLOSING DOCUMENT STATED ... XXXX WAS DUE FROM THE BORROWER AT CLOSING.. BUT I WAS ONLY PRE-APPROVED FOR XXXX DOLLARS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Public record information inaccurate

Complaint:
Experian, I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. Yes, you may have investigated it but you did not investigate it properly you also do not get to keep restarting the clock 60 day and 60 days and 60 days. You have the original 45 days and once I sent that mov 15 days from then. You all have done this since XXXX. You received my certified mail on XX/XX/XXXX, again on XX/XX/XXXX. You could not produce a ( wet signature ) signed contract for these accounts proving they are mine furthermore I have documentation from these companies showing I have no business, debt with them. What you are reporting is not MINE. 
The following account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Sincerely, 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 2018-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Activehours
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There trying to find a certain person that is not me and they Have contacted Me Numerous times i do not associate or know the person they are trying to get ahold of and they Keep Calling me reapedtly and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a few charge offs on my credit report so I settled and agreed to pay in full settlement amount. After the the agency took my money they never reported it as settled for less then full amount and paid. They only deducted what I owed. I called over and over again .sent many letters and disputed with equifax .XXXX and XXXX. They havent updated as settled and paid, still shows remains balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 cancelled BoA Visa in 2019. Recently received a bill with late payment warning for an automatic charge made by my XXXX account and an additional annual fee. The Visa customer service agent told me that because XXXX billed them for the automatic fee even after the account was closed, they still paid it and that triggered the annual fee and XXXX charge. The customer service agent also told me that even if I closed the account ( again ) and something was charged to it, the account would pay it and become active again.

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 2019-01-10
Company: Guild Mortgage Company LLC
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 i was asked to repair a water service hooked up on XXXX XXXXXXXX companys utility in XXXX XXXX alaska amd the residence address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner by XXXX and XXXX XXXX it was emergency services as I do all XXXX XXXX repairs and in the terriff amd application the XXXX   signed when they signed up for water service it stated that XXXX XXXX ownes its main lines only and the homeowner is responsible for maintence and any and all costs to keeping it in repair and working correctly keeping in mind its 3 days before XXXX and -30 degrees or colder so Mrs XXXX asked me to repair the service for them and I did they filed a insurance claim with XXXX and they pd the bill in full. 
Guild morguage company is who the loan is thru and is the worst company ever they refuse to release the fund Im owed keep giving me the run around they pd one of three payments they pd XXXX dollars in a check made to me and still owe 22+k dollars to me at first it was we have to get an inspection. Now over a yr later they wont even return or call me back the last time I herd from them they said the complaint department would be handeling this to see if any money is owed to me, how can a mortgage company decide if what the insurance company being XXXX pd in full is owed to me or not it has nothing to do with them the homeowner wasnt behind on any Payments so why a yr later are they not paying me the last two payments Im about to loose our house and my XXXX yr old grandfsther is about to be out in the cold over 22k dollars my name is XXXX XXXX my number isXXXX and my email is XXXX please contact me any time thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

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 2018-10-31
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was reassigned to Fay Servicing, effective XX/XX/XXXX. On XX/XX/XXXX my home substained major damage as a result of Hurricane Irma. I filed an insurance claim through Fay Servicing and throughout the process, my account manager was reassigned 5 times from XX/XX/XXXX through XX/XX/XXXX. During this time period I applied for mortgage modification  twice and each time, I had to contact Fay Servicing to receive an update of my package, and each time I spoke with a different agent, who related different information concerning my package. After paying my contractor money to repair my home ; I attempted to make a payment to Fay Servicing, however I was told they will not take a partial payment, I had to pay the arrears in full and in order for them to consider my modification package, I would have to obtained Homeowners Insurance ( which was not mentioned in the document requirement package ). Each month my mortgage get further behind and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX, I lost my job ( and only source of income ) for the third time in eight years. I had worked as a XXXX XXXX for six years and at a XXXX  ( XXXX  ) ( XXXX  )  XXXX  for five years between XXXX of XXXX and XXXX of XXXX. I had faithfully made payments for over ten years and was denied any student loan forgiveness. In fact, they initially REFUSED to allow me to even apply for it. I tried to file for a hardship forbearance and was denied. They claimed I didn't qualify. By winter XXXX, I was unable to continue making payments and stopped paying my monthly payment. In XX/XX/XXXX, I filed for bankruptcy and included them in the notification. I contacted them again to try and reduce my payments and they again refused. I was threatened that if I failed to make my payments, they would sue me and " take everything I have ''. In XXXX, I began making payments again and caught up on the payments I had missed by XXXX or XXXX of XXXX. I continued making my regular payments until XX/XX/XXXX after the CARES Act was passed. I made the XXXX payment and the day after my account showed zero interest, no payment being due, and that it was in forbearance. In XX/XX/XXXX, I began receiving calls, emails and bills from XXXX. Both the calls and the emails were flagged as a scam by the service carrier. In late XXXX, I noticed that my account still showed no payment was due but no longer showed it was in forbearance. I called to find out what had happened and was informed that my account was in default and that they have not received payments from me since XXXX XXXX.I asked them to check again because my last payment was in XXXX and they grudgingly admitted that they had received payments. However, as a " consequence '' of filing bankruptcy, my account was listed as in default. At no point did my account reflect that it was in default. I haven't received ANY notifications by mail or on their portal about being in default OR that they had sold my account to thugs licensed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XXXX of XXXX my adjustble rate mortgage was adjusting up by {$19.00}. I never received the notice for XXXX sent wrong to address because of unit number. When I noticed the increase in on the XXXX XX/XX/XXXX the representative who helped me was able to take an extra unapplied pay i made in XX/XX/XXXX and applied it to the underaged mortgage payment, thus making it current. I even made 2 payments extra in XX/XX/XXXX so this would never happen again. Thus, always having my payments with more money in advance. Chase had reported late payment in XX/XX/XXXX but then fixed the mistake and fixed my credit. 1 year later, in XXXX, Chase now has started to report again and report the late payment after it was taken care of. Now, reporting late again on my credit. They are going back on their word when they admitted they had already fixed and applied payment and error reporting late to credit 1 year ago. My credit is being affected by 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Penn Credit Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. 

After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. 

Your account number may be retrieved online through your Account Summary. 

If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX 

After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I mad a purchase at a XXXX store for about 135.00, return back the next day and attempted to make another purchase for XXXX the transaction never was approved by my bank .... My card kept declining and I had to call customer service who then connected me to the fraud department to verify it was me making the purchase..I did and they tried to override the system for the payment to go through but It never went through on XXXX end. I then found out that a payment I made to the credit card account was returned from my bank and in attempt not to have a negative balance I returned the XXXX purchase that was approved. my account is now showing over the limit by XXXX plus additional fees the credit card company has accessed to it. It's showing over the limit because of the XXXX charge they are stating went through but was declined numerous times at the store.

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 monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-10-31
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it resolved.

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