BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I enter the Covid forbearance plan and resume my regular payments 8 months ago. Since then I have tried to be qualified for a deferrement option but every time I apply their system automatically denies the option for a Loan Modification citing as the reason for the denial that they can not modify the Loan because there is not enough reduction to the monthly payment. 
I have called numerous times asking for an escalation because I am not looking for a reduction on the monthly payment, I can continue making my regular payments as I have been doing for the past 8 months but they keep on changing their answers for the reasons of their denial depending on who picks up the phone. First they said I didn't qualify because I was not up to date when the Forbearance started, then the investor don't offer the solution, etc. They say the only way to retein my home is to pay $ XXXX at once when the plan stops. 
I can not believe they would do such thing without even looking at my documents, and without considering that I have already resume my regular payments. They would not escalate for me to be able to talk to someone who would take a hard look at my personal situation. 
I've been in my home since 2004 and have paid close to nothing technically, and they wouldn't even treat you like a person, closing all doors. Do they think one would not pay if able to? To the risk to loose their home? Who, who's gone through the COVID hardship will come back with all the money at once? 
I believe this is inhumane and unacceptable and there should be someone who can stop these people to try to take your home from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This company has not tried to work with me during a pandemic. I asked can I get my payments lowered because {$530.00} is a lot a month, I was told no. I asked to split it every two weeks. I was told no, just make two payments online. At the end of the loan I still have to pay the total why can not I pay $ XXXX {$350.00} a month. I regret ever taking out a loan with this company. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be  subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B  ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that TransUnion themselves and XXXX has deleted as inaccurate : XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not 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 explanation
Consumer complaint received 2018-03-15
Company: DISCOVER BANK
State: FL
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:
I have had a credit card with Discover for several years and for the most part have made the monthly payments with the same savings account until sometime in XXXX or XXXX of 2017, I called in the payment received my confirmation #, the following month I again called in a payment only to be told that I missed the last payment, so again I gave them permission to submit the payment to my acct and received a confirmation number only to find out the next month that again the payment was declined by my bank due to Discover not submitted the information accurately, turns out that one of their employees made an inputting error which was just allowed to continue with no attempt on their end to find out why 1 month the payment goes thru and the next it is declined given that both attempts were made using the same saving acct and routing number. This is unacceptable and I have done everything they asked me to do including calling Discover to have Discover make a 3 way call with me bank to verify the account number routing number are accurate as well as there are sufficient funds available to process the payment and somehow they still found a way to make the same mistake again, the level of incompetence on their part is not acceptable and this matter needs to be handles asap. I have asked that any and all correspondence by made via e-mail for my protecting given that everything they have told me has turned out to be 1/2 truth or an outright lie, they declined my request, so as far as i am concerned I have done everything they asked me to do and in return they have done nothing they said they would do, This is by far and away the worse company I have every come in contact with, i blows my mind to thing that such a large company has such poor training and customer service. I have another credit card with another company and they seem to be able to process the payments just fine. they need to take responsibility for their mistakes and do want ever is needed to make things right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Shellpoint Partners, LLC
State: CA
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:
Ever since around XXXX of XXXX, my family worked with Newrez LLC to acquire a loan by taking equity out of one of their homes. As a co-signer to the loan, early on, I provided all of the information requested by Newrez ; this included paystubs, w2 forms, and any other information they had requested to process the loan. At first they conducted a hard inquiry into my credit as well as my parent 's credit. Yet, over the course of the next 1 year and 9 months, they were painfully inconsistent with responding to our inquiries about the progress of the loan. Failing to provide a reliable method of contact and ultimately prolonged the loan process to well over a year and nine months. During this time, despite it being prolonged due to their lack of professionalism and inability to get their affairs in order, Newrez conducted two more hard inquiries into my credit, one in XXXX or XXXX and another in XXXX of XXXX. This type of behavior feels like predatory lending and has caused irreparable financial and emotional damages to my family and I. This is not including the underhanded techniques they used to change key details of the agreement without providing any notice to my family. This is by far the worst company with the worst representatives I have ever dealt with. There is much more to the issues my family and I faced with Newrez, but does not pertain to the exact complaint I am filing regarding this specific issue. 

As you can see with the attached e-mails, the time it took to get a loan from this company was ridiculously delayed by Newrez, making the repeated hard inquiries into our credit unnecessary and malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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:
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit 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 2018-03-15
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 opened two lines of credit with Capital One in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted Capital One to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through XXXX XXXX. XXXX XXXX is a third-party collection agency that represented XXXX. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from 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 2018-08-27
Company: SYNCHRONY FINANCIAL
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:
Good afternoon my name is XXXX XXXX someone else is using my Social Security the name is SYNCB international credit cards/ airlines as shown on my credit report. I already contacted XXXX. I fax them with all the poofs I had. But they keep coming back on my credit report with the same name. I really need a help. Thanks

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 2018-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Received calls from Navient on MANY occasions, most recently, yesterday XX/XX/2018. The person I spoke 2, XXXX XXXX, told me that if I wanted to settle my loans I should borrow money from family and friends. This is certainly not the first time I have been told this, but I was advised that this is not legal, nor are the daily phone calls. Because of my inability to pay what they are asking for, my credit score has dropped 60 points. Navient is a terrible company that harasses borrowers and uses illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Personal information incorrect

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES FROM MY CREDIT 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 2021-09-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices and constant phone calls, in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX in XXXX, TX submitted a debt to National Credit Systems under my name that was attached to a different tenant. I never lived there, I simply applied but did not move forward with the lease. Both XXXX XXXX and National Credit Systems were not helpful in correcting the situation. They repeatedly gave me the run around and treated me rudely ( NCS ) when in actuality I was only trying to correct an error on their part. NCS would not direct me to the correct departments or provide helpful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I needed deleted are listed in the report. 
I am a victim of identity theft and did nit make the change. I ask that the items be deleted to correct my credit report I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Personal information incorrect

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Me and my husband filed for ch XXXX bankruptcy. Two of the credit bureaus report just 1 bankruptcy but equifax is reporting two on my credit report with the same date and info as each other. For some reason they cant understand that they are showing a duplicate bankruptcy. This is caused me to be unable to buy a house on two different occasions because they will not do a loan with more then one derogatory mark on my credit report. I have only ever filed for one bankruptcy and could not file 2 on the same day with all the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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 XX/XX/XXXX I checked my credit score with Experian.It was XXXX. It should have been much higher.I found 1 problem on my account involving XXXX XXXX. In XXXX, I leased a XXXX car and the payments went to XXXX.During the 3 year lease all 36 payments were made on time.The car was a " lemon '' and  had 4 recalls during the 3 year lease including the XXXX '' death ignition which killed  at least 13 people across the U.S. and had to be replaced by the dealer. At the end of the lease I noticed spider cracks on both headlights and consulted a local automotive expert who opined that the headlight covers were defectively manufactured and prescribed some acrylic to prevent the small cracks from expanding. At the end of the lease, the car was returned to the dealer with less than 7000 miles. It had not been damaged or even nicked .There was no complaint by the dealer about the headlights. Six months later, XXXX claimed that I owed {$890.00} for the headlight covers. I wrote them a two page letter explaining the above details and they sent a letter back saying that they had written the {$890.00} off and the matter was closed. When I learned that Experian was treating this as an open account that hadn't paid since XXXX, I appealed.They responded by lowering my score to XXXX and extending the expiration date

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 2018-08-27
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, XX/XX/2018 and XX/XX/2018 I requested that Transworld please verify the debt they said I owe. I sent letters through certified mail on XXXX separate occasions and they were unable to validate or verify the debt they say I owe. I requested that these items be removed from my credit with XXXX and XXXX and they still have not done so. Please see attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CAINE & WEINER COMPANY, INC.
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from XXXX on XX/XX/2018 in the amount of {$490.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. The company repeatedly called me at my workplace as well. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.

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 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.

Company response to consumer: Closed with explanation