BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX a Mortgage lender attempted to access my Equifax credit report and they informed me that the result came back as no credit score and they couldn't access my report. I spoke with another lender and they sent me proof of the message that they received when they attempted to pull it. 

I called Equifax multiple times to try to resolve it. Initially, I was informed that my Equifax is not suppressed or blocked. However, when I called back on the XXXX of XXXX, I was told by the Office of Consumer Affairs that I need to verify my identity in order to have this cleared. Today, I spoke with another agent at Equifax and he said that there is no block or hold on my report. 

This situation is very frustrating and is impeding upon my ability to acquire a mortgage loan to purchase a home for my family. Also this is a clear violation of my rights under the Fair Credit Reporting Act. 

15 U.S.C. 1681c-1 states that the Consumer Reporting Agency may decline or rescind any block.

15 U.S.C. 168c-2 states that the affected consumer shall be notified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports XXXX XXXX XXXX XXXX paid on XXXX but not on XXXX and transunion. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair godbless 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 explanation
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX XXXX app that a collection had been added to my credit report and the main credit reporting agencies. The collection is from Midwest Recovery Systems, regarding a debt of {$230.00} to XXXX XXXX XXXX XXXX?! This is not my debt! I do not know the company XXXX XXXX XXXX XXXX, nor have I used any check advance company, nor have I even had checks in many many years. Upon doing a quick XXXX search, it appears this is a fraudulent and illegal tactic used by Midwest Recovery System frequently. As I was in the process of applying for a home loan when this fake debt appeared on my credit report, I am considering filing a law suit against Midwest for such fraudulent behavior and the damage it has caused me. Midwest Recovery Systems needs to remove this fraudulent debt from my credit report immediately. I am also reporting to the XXXX and filing disputes with the 3 main credit agencies. My next step will be to hire an attorney to go after MRS for such fraudulent and criminal behavior. Please stop this criminal company from further damaging people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Venmo told me I must give them my social security number in order to continue using their service. I refused and closed my account. I asked to be removed for all of their lists - phone, email, snail mail, etc. I keep getting emails. I have asked them now at least 6 times to stop sending me email. They have confirmed around 5 times they have deleted my email address and that I will not get any more email from them. They keep sending me email. This is highly problematic and could be a systematic problem for a supposedly high security financial institution with no or poor internal controls. Regardless, they refuse to stop contacting me after multiple requests - and multiple assurances to the contrary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: NJ
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 several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports bank XXXX XXXX XXXX paid on XXXX   but not on Equifax and XXXX. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX  XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Benjamin Chaise & Associates
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This lady XXXX XXXX keeps calling me. She has the wrong name and says she's with Benjamin Chase and associates a debt collection agency. I owe absolutely no debt. This is probably a scam. I would like this company to stop calling me. I can't block them because they use a private number. Please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank repeatedly calls me from different numbers for a XXXX XXXX. I have told them I am not XXXX XXXX, I do not know a XXXX XXXX, and to please stop calling me. They just keep calling daily even after I block their numbers they've called from. They just use new ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was over priced and then Repossess after a period of time then sold then I was left with a balance and the car wasnt even worth the price

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Accurate Background
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Approximately XX/XX/2019 I was hired with XXXX for a start date on XX/XX/19 contingent on background check. I have not been allowed to start the agreed date or notified anything about my job offer from XXXX because accurate.com provided info to XXXX of a criminal charge that was past seven years ago. 
XXXX asked was any crimes within past seven years.. I answered No which is correct Accurate.com provided XXXX with my criminal history over seven years ago, When it should have reported no record found. The info is public records that clearly states my probation ended over seven years ago. I feel they reported info to be unfair and malicious to have a negative impact where XXXX would rescinded the job offer. This company should be held liable for reporting incorrect info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has stated that I the consumer owe a debt and has reported on my credit report without my permission and by doing do they have violated FDCPA. I have communicated with XXXX XXXX to request verification of the alleged debt however I have not received any response. 
On XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX a Cease and Desist letter along with Debt validation/verification letter. XXXX XXXX did not rebut the letter point for point with proof of a valid debt owed and I have not gotten any response from any of my correspondence to them in regard to this alleged debt. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit of Service by mail. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit attesting to the mailing of papers or documents ( with documents attached ) & Notice of Record - Notice of Default and Opportunity to cure. 

I have attempted to settle this matter with XXXX XXXX XXXX XXXX XXXX XXXX, however the company continues to report negatively on my consumer report and has violated several of my consumers rights. I have suffered emotional distress, defamation of character, and other unseen injuries. Please see all violations below : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms.

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 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I am trying to improve my credit score, and wanted to pay off my credit card balance. I attempted to get my debt reduced in exchange for paying it off in full. We came to an agreement about an amount. Several times during the phone call I said I was not comfortable accepting terms unless I received the offer in writing. Over the phone, they said they would report my account as settled rather than paid in full. 

After I got off the phone, I looked up settlements and saw that it would hurt my credit for 7 years, and I would be penalized on taxes, even though the forgiven debt was only about 25 % of what I owe. I still paid a large portion of what I owed ( over 50 % ), but found my account was restricted. I called and said I did not want a settlement, but want to pay it in full. That is what I was asking for in the first place. Yes, I wanted fees waived, but I want it to show paid in full on my credit report. 

Capital One is now saying too bad. Whether, I pay the full balance or not, they will report it as settled. This hardly seems right or legal. According to Fair Credit Act, I believe it is illegal for them to knowingly report false information. 

I want to pay the balance and I want them to remove reports of late payments and report the card as paid in full. That is all I want to do. 

I called several times. I spoke to a manager more than once, and they still claim there is nothing I can do. I am locked into the arrangement and that's it. I was pressured into taking the deal before researching or consulting with a financial advisor. I said I wanted to see it in writing and talk to someone first, and they said it would not still be on the table. This is not right. I had no idea how bad this would be for my credit. Why would I pay all this money just to have a bad credit score?! Especially when most of the debt was not forgiven ... 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forebearance on my mortgage due to my roommate losing her job due to covid19, but they only offered me one option- pay three months of deferred payments in a balloon payment in XXXX. My roommate is in the XXXX industry, is a XXXX, and her employer closed when XXXX XXXX instituted shelter in place orders. She normally pays rent which allows me to cover the mortgage, but since the mandatory closures- no rent. I can not pay a balloon payment and wish to have the missed payments attached to the end of the loan. I thought that is what the law says. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries from unknown companies. I have no recollection of doing business with any of the companies listed below. These inquiries occurred without my knowledge and need to be removed immediately. 

1. XXXX XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XXXX XX/XX/2020 4. XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2019-02-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
DITECH IS HOLDING MY MONEY ILLEGALLY ( REG X ) I refinanced and paid off my mortgage with Ditech on XX/XX/XXXX. Ditech has not issued my escrow impound account refund $ 3,700+ and  they are now out of compliance with Regulation X. 

I was issued an escrow account refund but the check was payable to both myself and my ex-husband. I was required by Ditech to send the check back with my divorce decree so that they could re-issue the check in my name only. Ditech received my check and sent me a letter dated XX/XX/XXXX saying that they would make a decision within 30 days. On XX/XX/XXXX at XXXX XXXX. I called Ditech to find out what the status was I was on the phone for an hour and 9 minutes and XXXX said that they would be escalating my concern and that I should have a refund within 7-10 business days. On XX/XX/XXXX I was on the phone for 52 minutes and told by XXXX that my case was accidentally escalated to a person who was no longer with the company. On XX/XX/XXXX I was on the phone for an hour and a7 minutes with XXXX who said that he would make my case a priority. On XX/XX/XXXX I was on the phone for 43 minutes with XXXX. Each time I was given a different answer about their ability to direct deposit and I even gave my bank routing number and account number to two different individuals. One day they don have the ability to direct deposit then next day I was told that they can. I have made multiple phone calls and spent hours on the phone attempting to get this resolved. I keep getting the run around ... ... ... ... ... ... ... And then finally this morning they admitted it! 

" THE BANKRUPTCY COURTS HAVE THEIR BANK ACCOUNTS FROZEN ''. THEY WERE NOT TRUTH FULL ABOUT THIS ON THE PHONE UNTIL THIS MORNING. The representative told me that they have know this for about a week and a half. Now they tell me that I will get my money as soon as their bank account are unfrozen! They HOPE that is tomorrow XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX I received by mail a letter in response to a good will request to remove negatively reported information being reported. Capital one in the letter indicated they need power of attorneys authorization for using a letter template. Disclosed in my letter dated XX/XX/XXXX is that I the account holder independently and solely submitted the request. The letter also indicates the response would be directly to the account holder. The letter advised I would be able to call in and respond. Capital one didnt honor their instructed letter sent to me. The Supervisor XXXX ID : XXXX who I spoke with at approximately XXXX on XX/XX/XXXX refused to properly assist me. Capital One refused to honor a goodwill request to remove negatively reported information although I called in to confirm as the letter I received stated I should. No power of attorney is required to use a letter template by a company to send my own letter. Capital ones power of attorney statement indicates that too SHARE information with outside sources power of attorney is required. Capital one is not honoring their own policy also being abusive in fair credit reporting and disputes. This effecting My creditworthiness in negative standing in hard financial times. False policies are being enforced and that is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had fraud charges on my account in XX/XX/2021, which I noticed as I received an email to review my purchases at XXXX XXXX. When I clicked on the items that were purchased, but not by myself, I called to report fraud on the card for charges I did not make. XXXX XXXX XXXX card servicing company, Synchrony Bank cancelled my card and issued a new card. The fraud charge was taken off the account, but new balance transfers were showing up on the new account. It has taken months and several long phone calls to find out what is going on with these billing errors. On XX/XX/XXXX, I faxed a dispute for the charges as I did not want my credit score to be impacted by an error caused by Synchrony Bank, which has happened in the past. According to the FTC, I am to have my dispute acknowledged by Synchrony Bank within 30 days and am not to receive any interest/late fees related to the disputed amount to show on my account. Over the past two months, I have been calling Synchrony Bank to follow up on the dispute and also to request they remove the interest charges. On this months ' statement ( XX/XX/2021 ) I am being charged a late fee in addition to interest charge. I called Synchrony Bank today when I logged into my account and see it showing as delinquent and asked to have an update on the Dispute I faxed to them on XX/XX/XXXX. I have informed them they are doing exactly what I am to be protected from according to the FTC consumer protection laws.

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account was TransUnion. The account is acceptance now. I have no knowledge of this account. I asked trans union to send me the name, number, and person that verified the account and how did they verify the account. The failed to provide the information requested.

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