BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
All 3 credit bureaus are not updating my FICO XXXX  score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the 600s but the FICO XXXX is in the low 500s

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 2021-08-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and XXXX  and Equifax reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with transunion including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze 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 2015-07-14
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
In late XXXX I received an invoice from Capital One in the amount of {$590.00}. This invoice was paid by me on XX/XX/2022 by my check XXXX XXXXXXXX. In the same envelope as the remittance, I advised Capital One that I had gotten several email messages, ostensibly from Capital One, which were identified by my computer as potentially malicious. Accordingly, I requested that Capital One cease all electronic communication in favor of traditional XXXX. XXXX XXXX 

On XX/XX/2022 I received XXXX e-mails ( not-withstanding my aforementioned request not to communicate by e-mail ). XXXX e-mail acknowledged the request not to communicate by email and included a customer service number. The second email represented that the payment of {$590.00} had not been received, even though included in the same envelope. I followed up with a call to the customer service number. I went through an initial level, and then a supervisory level call. At the end of the day, I was advised, after several internal checks, my check XXXX XXXXXXXX was not in their system. To avoid a late fee or surcharge I was advised to write a replacement check, which I did on XX/XX/2022 ( XXXX XXXXXXXX ). Her rationale was that, somehow, my check had been overlooked and shredded in the mailing envelope. I advised the Supervisor that I would be very upset if both checks were cashed. She agreed with me. 

Both checks were cashed, most recently # XXXX on XX/XX/2022. 

I have a long history as a lawyer invested in consumer protection. I have served as Chairman of the Board of a local XXXX for a major U.S. city and also served as a Board member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and chair of the XXXX XXXX. Frankly, I am very suspicious of these circumstances. My intention is to terminate my relationship with Capital One ASAP. 

Meanwhile, I believe that cfpb should use its investigative authority to investigate the " coincidence '' of 'non-payment ' notices to consumers with duplicate payments which then enable Capital One to effectively us the 'float ' of some of their customers to their own advantage. 

I have copies of the documents which will substantiate these allegiations. 

Very truly, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The homeowner was approved for assistance in the amount of {$26000.00} to cure the default through the Maryland Homeowners Assistance Fund while this loan was still held by XXXX XXXX XXXX. XXXX XXXX XXXX then sold the loan to Right Path Servicing, and they stated that they have not received proof that this money was received or that there was a payment made by the state of Maryland to cure the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see attached letter. 

Also, US Bank, and their outside legal counsel, stated I would receive my Reinstatement and Payoff Demand Letters by Thursday, XX/XX/2022, but I never received it. I called the attorney the next day to get it, but XXXX XXXX stated they still didn't have them and couldn't say why.

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 2016-09-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On the morning of XXXX XXXX, 2016 I was alearted to charges on my Sams Club XXXX issued thru Synchrony Bank that I did not authorize. At this time I am unsure what other personal informaiton has been put at risk.

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 2022-03-22
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting Act hard inquires XXXX XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
My car was claim as total lost and they hit me with late payments even after insurance company paid them. They said I have to call the Credit bureau

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 2017-01-25
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was steered towards forbearance when I explained I was having trouble paying loans. I was informed via email that my new loan servicer was Navient, I ignored the emails from Navient because I thought they were fraudulent or phishing. I had never heard of the company. A friend had to tell me it was a real company and my loans were most likely no longer under XXXX and that 's why I had n't heard from them in a while. This resulted in late payments because the forbearance period had ended. Additionally., I was only given XXXX bill every month it was not broke down to show a payment for each of the XXXX separate loans., However, when I missed payment a late payment was reported to the credit bureaus on each of my XXXX loans resulting in XXXX reported late payments. In my records I missed payment on a bill 8 times. This is misleading and the extent to which it has damaged my credit is only repairable with time. 

I have attached images of how my bill comes to me every month & how a payment is displayed only showing XXXX numerical amount, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: EQUIFAX, 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:
inaccurate info with breach of Equifax has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2016-08-17
Company: Western Collection Bureau, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Several of my relative and employer received a call stating there was an arrest warrant out for my name if they know my where abouts. I called they claim they were a mediation firm there was a debt in my name from XXXX that I knowingly defrauded the company. I asked them to verify the deb by sending a letter of verification they just said they would send a subpoena to my home and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, XXXX  is reporting no late payments and Equifax is reporting a status of 60 days late, XXXX : XXXX  is reporting a status of 120 days late, XXXX is reporting a status of 180 days late, Equifax is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX   and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX and Equifax are reporting opened XXXX of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX  XXXX Auto Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Cap one quicksilver. Got a new card and my XXXX transaction was declined, the company stating fraud. Was asked to email my drivers license which I did but was not comfortable doing. Can not use card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CCS Financial Services, Inc.
State: WA
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:
XXXX XXXX incorrectly billed me for a homeowners insurance policy. I was unaware this policy was active as I had insurance through a different provider at the time. This policy was cancelled for non-payment in XX/XX/XXXX. The account was then sent to a separate collection agency ( Credit Collection Services ) in XX/XX/XXXX in the amount of {$100.00}. This amount was paid to Credit Collection Services on XX/XX/XXXX as I did not want to risk my credit getting ruined over {$100.00} despite me not agreeing to the actual charge. 

In XX/XX/XXXX I became aware that this account was placed on my credit report as a " paid collection. '' Since then I have spent countless hours attempting to get this removed from my credit, sent multiple supporting documents to both XXXX and Credit Collection Services. Today I received the attached letter from XXXX stating " this bill was sent in error and requested have been made to remove the bill and any ill effects it has caused from your credit report. '' I called Credit Collection Services on XX/XX/XXXX and spoke with XXXX at Credit Collection Services who stated " It is company policy that we do NOT remove any collection accounts from the credit report. '' He further stated that " The best we can do is state the collection account is paid in full. '' I asked him to confirm that he understood the original creditor ( XXXX ) has stated the account was sent to their office in error and he confirmed he understood. He checked with a " supervisor '' and came back on the phone stating the company policy is to NOT remove collection accounts under any circumstances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation