BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I sent a written request to Fifth Third Bank to remove MI insurance from my mortgage account. Shortly afterwards an appraisal was completed. Stating that the loan to value wasn't 75 % or less, ( actual based on appraisal is 77.3 % ) Fifth Third declined the request. I sent a rebuttal to their decision sighting XXXX XXXX rules stating that tenure or the seasoning requirement ( 2/5 year ) is waived in the event the home value increase is substantially due to upgrades or improvements to the real property. The appraisal sufficiently bears this out. The loan has been in effect for 2.5 years, there is no junior lien and payments are current. Fifth Thirds response was a voice mail suggesting that if I wish to remove MI insurance I need to send a request in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: APO LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was approved for a loan on XX/XX/XXXX of {$400.00}. My 1st payment was due XX/XX/XXXX. Prior to that date I opened a new checking account and they are one of several creditors I forgot to call to update my new banking info also due to me being out of the country I was not able to contact them. On XX/XX/XXXX, 4 DAYS after a missed payment I received a text threatening to garnish my wages which is a violation of UDAAP act and FDCPA laws. On XX/XX/XXXX my payroll received a garnishment order from Advance Paycheck to withhold 15 % of my wages every pay period. The notice sent to my employer states I received a copy of the writ order which is very misleading. Where's the court order, validation, copy of notice ( when was it sent and to where? ). Advance Paycheck NEVER sent me a notice or a copy of the garnishment allowing me to respond not resolve the debt nor have they called me. My wages are now being garnished which has caused a hardship because I haven't had prior notice in order to make arrangements. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Personal information incorrect

Complaint:
I have consistently provided information to show I did not authorize inquires including a wrong address that is listed on my credit report. The agencies are not removing the information even with the proof showing the information does not belong to me. I have been denied credit, jobs and other services due to this lack of due diligence by the agencies. It has caused me many mental, financial, and other related health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX-XX/XX/2021 my account charged with XXXX $ worth of transactions to some company I've never heard of. I even contacted the company XXXX  and they said the account was under a woman 's name. And did not match my name. I alerted current through chat support and on the XXXX. XXXX th and they told me to wait until the charges posted as they were still pending. So in the XX/XX/XXXX th I contacted support via chat and opened a dispute. 4 days later I got a email saying the dispute was closed and did not get approved. I've sent emails to them to ask what happened and why this is not approved. No response whatsoever. If they would have done any type of investigation they would have found out what I did. That who ever used my card made an account under their name and used it. That right there is enough proof tho approve my claim. That tells me they didn't even do any investigation at all and just denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Closing on my home XX/XX/XXXX and can't because XX/XX/2018 Experian reporting Inaccurate information on my credit report Experian is reporting that I owe XXXX on my student loan and Ive contacted the student loan people 's they saying my balance is XXXX and I don't owe anything I also have the proper paperwork from the department of education/XXXX I also have a recorded conversation with the student loan people 's saying that Experian is reporting Inaccurate Information on my report

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 2021-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In a previous dispute XXXX Equifax requested copies of my drivers license, social security card, and my W2, all 3 items were uploaded, now they are saying it doesn't match their records which is ridiculous because those are my original documents. I am uploading it again I I expect Equifax to do what is expected of them instead of these game, my next option will be small claims court seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.

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 2022-11-20
Company: EQUIFAX, INC.
State: KY
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 ( XXXX XXXX XXXX account number XXXX {$1100.00} ) ( XXXX XXXX  XXXX account number XXXX {$1600.00} ) ( XXXX XXXX  XXXX {$1000.00} ) ( Online In XXXX  XXXX {$1700.00} ) has violated my consumer rights. 

805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 U.S.C. 1681 Section 604a Section 2 states that a consumer reporting agency can not furnish an account without my prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.

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 2021-09-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXXXXXX company for {$800.00} from XX/XX/XXXX. The debt collector is XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

XXXX XXXX XXXXXXXX sold a debt that was paid off. The duplicate account, now owned by I C System Inc ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to XXXXXXXX XXXX XXXXXXXX, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.

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 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}

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 2020-10-20
Company: eMoneyUSA Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I needed a small loan for my car insurance deductible, and I applied for a loan online. Emoney usa called me and offered a {$600.00} loan. I excepted the loan, but once I added up the total amount I was to back I immediately called back to cancel. They told not to worry about the total because I could pay the loan off sooner. The total amount to pay back is {$2000.00} for a {$600.00} loan. I've paid back {$1100.00} so far. I don't want to ripped off for anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: NCB Management Services Inc.
State: VA
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:
XXXX continuously contacted me for years to collect on a debt then sold it after charging it off to NCB Management and give them my emails which has never been an authorised form of communication with anyone to share but myself. That company proceed without any confirmation from myself or even contacting to create an account on my behalf without my permission. Sadly, I no longer have access to my previous phone where both of these companies were continually harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: PA
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 broken the law! They violated FCRA laws by inaccurately reporting accounts listed on my credit profile, Equifax displayed accounts that I gave no verbal or written consent to display, and Equifax furnished information solely based on transactions or experiences. I am demanding the following accounts be removed immediately and for Equifax to remit the amount of {$10000.00} payable to me for anxiety, emotional distress and financial hardship. The accounts that should be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: TRANSWORLD SYSTEMS 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:
On XX/XX/2020, I filed a complaint with CFPB against XXXX  Consumer Reporting Agency and Transworld System , Inc. for reporting fraudulent and incorrect information after multiple dispute whereby XXXX  did not correct and Transworld was aware that they did not own the account for which they were reporting.

The response from both Transworld and XXXX was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with XXXX  when no new negative activity had transpired. I reviewed my report tonight and noticed that Transworld still shows on the XXXX Report. When you show the three bureau report, you can see that TSI does not exist on XXXX or XXXX but it is showing on XXXX with balances. In addition, XXXX is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that XXXX  is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because XXXX  will not correct the program and Transworld is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH XXXX AND TRANSWORLD SYSTEM, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX  that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX XXXX is showing Im late 90 days 20 times how can this be if this account is charged off? Citicards cbna is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 applied for my first and only credit card with Capital One and got approved on XXXX, XXXX XXXX. After only having my card for a short period I finally got my credit report which showed that I had two open credit card accounts. I was wrongfully put on a parents credit card as an authorized user without my knowledge or consent. They did not make payments on this card which affected my credit before I ever got what I thought was my first credit card which as of XXXX, XXXX XXXX I have only had for 7 months. My authorization for the delinquent card was terminated XXXX, XXXX XXXX through Capital One. When I questioned the company about if the delinquent cards information would still affect my credit I was told they could not remove it from my credit history and that I would have to contact the credit bureau. Since having my credit card I have made 100 % of my payments on time however because the delinquent card is still in my credit history it shows my on time payments are only at 74 %. My credit is at a below average score of 523 due to no fault of my own and has impacted my life when applying for other credit cards and loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Care is in violation of CA Homeowner Bill of Rights guidelines which require an answer to a workout request after 30 days of request submittal. At issue is a short sale request that was submitted almost a month ago and Loan Care has yet to even do any work on the file, advise as to any status, order an evaluation or anything.

This gross criminal negligence regarding a financial matter is unacceptable. Loan Care must either divest itself of too many loans or hire more people to handle the work load. There needs to be an investigation into how many guidelines are being violated by this company who is not doing what they're required by law to do.

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 2018-07-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My moneygram online account was closed automatically by moneygram security for " security reasons '' and claim that I am permanently locked from using their service online, however am still able to use physical locations. 

The issue is I still have sensitive information stored on that account that was closed. They have my email, name, address, copy of my ID card, credit and debit card information and without access to my account I am unable to delete this sensitive information. 

I do not want such a terrible company to have all that information about me and want all of that information deleted including my account and anything that relates me to their terrible service.

Company response to consumer: Closed with explanation