BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy and it was reported XX/XX/2009. I thought negative items stay on the report for 7 years. This is not being reported by the other agencies. I am requesting that this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal signed me up for their Online Credit unknowingly. I was making a payment for my eBay order the way we normally do. But this time PayPal tricked the interface by opening XXXX windows and had me clicked XXXX yes/no 's, the interface was so confusing and misleading, it appeared that I was making normal payment for my order and PayPal was asking some additional questions to validate my identity. The fonts were so tiny and interface was so misleading that no one would come to know that PayPal was actually gathering DOB and last XXXX digits of SSN for credit approval, they were basically tricking me. 

I am closely monitoring and maintaining my credit score. I dint wanted any hard inquiries on my credit w/o my approval. But PayPal had fraudulently invaded my privacy. That is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Bank opened a fraudulent saving account for me without my authorization, charged my checking account unnecessary fees, intentionally and fraudulently put my account into negative status and charged overdraft fees constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: Paypal Holdings, Inc
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I used Paypal to purchase XXXX from XXXX. XXXX never sent the XXXX I purchased. I contact Paypal to open a dispute. Paypal reviewed the case and denied my claim and did not allow me to appeal their decision. When I paid for the XXXX purchase it was paid as a good purchased but Paypal processed the transaction as a money transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: Paypal Holdings, Inc
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Both Paypal & XXXX Bank failed to get a refund to me for a service ( educational, coaching, mentoring, " earning while learning offer '' from an on-line seller. The offer had a 100 percent " money back guarantee. '' Even-though the refund request was made within the designated 14 days ; neither the bank nor paypal has provided me with the refund. It 's been over sixty days and I have made numerous attempts and provided over 50 pages of supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2015-10-13
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
In XXXX I received a letter in the mail from Ford. The letter contained my lease account number, make, model, year and balance of my current leased vehicle. The letter also had an offer from Ford - in large letters : Enjoy new. NowBuy or lease a new vehicle with Ford Credit and Ford will make up XXXX payments on your car lease. XXXX See letter from Ford attached ) Based on this letter, I went to Ford and turned in my car 3 months early, leased a new Ford and financed through Ford credit. The payments on my XX/XX/XXXX Escape were {$240.00} ; payment on my new lease vehicle, a XX/XX/XXXX Escape is {$570.00}. 
At time of purchase I asked about the {$740.00} due to me from Ford. I was told by finance at Ford XXXX that since I had already paid all my lease payments in advance Ford would issue a refund check ; that never happened. I have made over a dozen calls to Ford Credit, XXXX XXXX and the Ford dealership and all they do is point fingers that it was someone else 's responsibility, not their department. On XXXX separate occasions, and by XXXX different people I was told the check was in the mail, it never came! 
Last week the sales manager for the Ford dealership I purchased the car from told me he was equally as frustrated with Ford and even their dealership could not get to the correct person or get any consistent answers. I am about to make my third car payment, now I am told not to expect Ford to live up to their commitment to me. 
I purchased this vehicle solely based on the Marketing letter of early termination from Ford. I have been cheated and mislead by Fords false and misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.

Company response to consumer: Closed
Consumer complaint received 2017-03-23
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Critical Resolution Mediation LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.

Company response to consumer: Closed
Consumer complaint received 2016-04-08
Company: Financial Credit Service, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Home Loan Center, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification. 
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly. 
Thank youXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys! 
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}. 
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk. 
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief