BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: USA DISCOUNTERS LTD
State: NH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I went to a company called USA discounters back in 2009 when we were XXXX with our XXXX child and just getting settled right off base. We were both in the Military. Everything was fine, until my husband was suddenly XXXX three days after I XXXX and I moved home to be closer to my family. Money was extremely tight, things were getting worse, and we started missing payments. The payments were around XXXX a month. USA discounters started calling us threatening legal action, and finally started sending letters talking about taking us to court ... in XXXX. I lived in XXXX at that point and my husband was in XXXX. There was no way we could have ever gotten there. Now, this debt sits on my credit score. It gets updated every year, and it has prevented us from getting a house. We have XXXX small children. I still do n't know what to do. I 'm hesitant to even try and pay it, because of how terrifying these people were in the past to us. Now it is with a credit reporting agency, the same one who USA discounters was sending these horrible notices through. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am extremely upset because my bank Ditech refuses to provide me my modification contract. I made all 3 trial payments on time from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also made a extra one for XXXX. However when I call Ditech to ask about my modification contract they just keep telling me that my modification is on its way but yet, I have not received anything and they are just prolonging my modification contract. I am about to make a 5th trial payment for XX/XX/XXXX. This is not acceptable I got in writing my trials by Ditech and I completed my part and get my modification contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX, I received an unsolicited U.S. Bank ReliaCard in the mail. The card contained my name and used a former address ( same location but new XXXX address change ). I contacted the Oklahoma Employment Commission who advised an unemployment claim had not been filed in Oklahoma but directed me to contact Colorado. Virtual directions were provided as to how to proceed with reporting and hopefully deactivating the card. A fraud alert has been filed with the credit bureaus, a fraudulent unemployment claim report was filed Colorado, Identity Theft Report was filed with the Federal Trade Commission and fraud report was filed with issuing agent U.S. Bank ReliaCard as US Bank was unable to be reached by telephone. An email was sent to XXXX to address deactivation ( per form instructions ) and prevent the individual/s who filed the fraudulent claim from requesting a lost or replacement card using my information. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being scammed by someone who used my identity to make a hospital and Dr bill. I made out a police report and I was not even in XXXX county on the date. I did not go to any hospital or Dr . Nor have I had any credit cards in my name. Someone who used my identity and charged all kinds of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I have accounts with synchrony Lowes and Sam 's. I called synchrony bank beginning XX/XX/XXXX. I have been ill for over the past year and one half. I got a little behind on my payments and called to make arrangements. I began making payments with the arrangements in XX/XX/XXXX. I am very disappointed with Synchrony Bank. They have seemed to have put my account in collections. I am requesting that Synchrony work with me to pay them back. That is why I called in the first place. I tried to speak with a Customer Service Rep on XX/XX/XXXX to no avail. I called the following phone number XXXX to no avail. They said it is nothing they can do. I have XXXX accounts the account numbers are XXXX and XXXX. Sams and Lowes. I am willing to pay back what I owe. I need a opportunity to do so. I can not pay it back all a once. I am still having health issues that I am trying to work thru. I have been a customer with GE Capital for a long time. It seems ever since Synchrony Bank took over for GE Capital that I have been having problems with my accounts. I need to be able to pay back my dept. I think if you reach out to a company and you are having problems you should be able to work something out. I have been a long time GE Capital customer. I would like to be able to make payments on these XXXX accounts and set up a payment plan with Synchrony Bank and not some collection agency. I am very disappointed. I made first contact XX/XX/XXXX and again XX/XX/XXXX about my health problems. Synchrony Bank should work with me like GE Capital did. I would like for Synchrony to allow me to pay my dept. I have health problems and need time to pay them back. Not thru some collection agency, but thru Synchrony Bank directly. I need these accounts pulled from collections so that I may deal with Synchrony Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Suttell, Hammer XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with XXXX XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called XXXX years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to XXXX they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: LA
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:
15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : 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 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Banana Republic Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Banana Republic Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: First Data Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Gordon & Wong Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.L

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/18 I closed on a refinance Mortgage with XXXX XXXX NMLS : XXXX  a broker with XXXX XXXX and XXXX XXXX. I was told that I would get back {$8500.00} at closing. They took almost {$6000.00} in fees for the interest rate. I was never consulted regarding this and never informed. I found out only when I received the cash back check several days later. When I asked where the rest of the money was XXXX XXXX   from XXXX XXXX didnt provide me with an explanation, despite my effort to contact him until XX/XX/18 inhibiting my ability to rescind the loan. To add insult to injury, XXXX XXXX  sold my loan to XXXX XXXX shortly after my threats to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


A total amount of {$26000.00} is reporting that are inaccurate.

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 2017-05-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 information incorrect

Complaint:
I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXX OF XXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX OF XXXX and the credit bureau doesn't reach the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXX OF XXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.

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 2017-03-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I made my mortgage and escrow payment to Ocwen Loan Servicing , LLC in the full amount of the previous ( XXXX ) months, which was received on time. 
The mortgage has a variable interest rate, which happened to change that month, increasing the total payment amount to {$1700.00}. Therefore, my payment was short by {$56.00}. Once I became aware of this oversight, I IMMEDIATELY made payment for the balance, which the bank says was received on XX/XX/2017 ( two days beyond the 30 day late period limit ). 
The bank has reported this to the credit agencies as a MISSED PAYMENT, ( 30 ) days late. 
The payment was NOT MISSED or late, the bank held it in their suspense account rather than any number of other options over a {$56.00} shortage that was immediately resolved. 
This is not factually the same as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: LEXISNEXIS
State: NY
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: Information is incorrect

Complaint:
Lexisnexis has reported all claims from XXXX XXXX as at fault insurance claims when they should be no fault auto claims, I have letter from XXXX XXXX  that they were not my fault but they have done this as a result of this I am unable to get auto insurance in the normal route and when i get through the new your auto policy, the premium is way too higher. Plus they have also added some points on my data, I dont know what those points were assigned to me for, I checked my DMV record and I dont have any points associated with that. I dont know what this company does because of their careless reporting My Insurance has increased a lot and also why these private companies are controlling our fate. when DMV has something called driving record in place why companies like lexisnexis. they necessarily cause trouble to people like us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SHELLPOINT Mortgage Servicing is a complete fraud and is trying to get our home through foreclosure. 
We have been trying to settle through the courts with Shellpoint mortgage and have spent XXXX of dollars in attorney costs and have gotten nowhere. 
THEY were sold our loan that was part of the illegal ROBO- SIGNING banks and now we are about to lose our house. 
We finally filled out a an application for the HAMP program - they approved us under HAMP 3 program were they promised to remove all penalties and past due amounts Our new Principle balance was to be $ XXXX When they approved us for the HAMP 3 program they just tacked on the all the penalties and interest and other fees on the back of the loan. 
When I asked them what happened to the Principle forgiveness on our loan they said that that is a HAMP 3 program and that they do not participate in that program They set us up on their HAMP 2 program, We were lied to. 
our loan amount to them is now $ XXXX our house is worth $ XXXX HELP! 
I have seen hundreds of similar complaints and lawsuits online against the predatory practices of SHELLPOINT MTG. and we are very worried that we are going to lose our house Is there a class action Govt lawsuit that we can join against them? 

Please advise ASAP Thank You for your time XXXX Fl XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation