BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX of XXXX. My original mortgage payment was {$1000.00} on a 30 year conventional mortgage at 3.875 %. I received a break on my mortgage payments on the XXXX XXXX Assistance. I was originally told by my mortgage company that they were working out a Loan Modification for me that would put my missed payments to the end of my mortgage. They were only contacting me to request more documentation from me. I provided everything they had asked for on a timely basis. They told me that while this was being done that I could not make any mortgage payments during this process. They informed me that they would not accept any payments from me and if I were to provide them with any payments it would stop the modification and I would then be responsible for all of the arrearages. They were not in contact with me to let me know what was going on, they actually treated me like it was none of my business what they were doing. I kept contacting them to find out when I could make a payment, as I was well aware that it was getting further and further behind. I contacted them in XXXX and verified that they had all necessary documentation from me, which they agreed. I again questioned when I would be able to resume my payments and they told me that it should be by XX/XX/XXXX. Well, here it is XX/XX/XXXX and I again called them. I was informed that I did not qualify to have my missed payments put to the end of my mortgage, with a credit score of well over 700. My new payment would be over {$1500.00} per month at over 7 % interest. Supposedly, all conversations were recorded. I need to rectify this A.S.A.P.

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 2015-07-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My husband and I had a mortage on our house. We paid it off early and notes were always paid on time. Just recently I got a copy of my credit report and the mortgage was not on it. The bank was dissolved a few years ago. I contacted another bank that has taken over and many of the employees were with the original bank. They told me that it was not the policy of the original bank to turn in the credit to the credit agencies. ( What??!! ) They suggested that I get a Deed of Trust from the county office to send to the credit agency which I did. The credit agency said they do not accept anything from individuals, just institutions. On the deed of trust is the information that the maturity date of the final monthly installment was XX/XX/2023, so obviously we paid it off early. I want that to be on the credit report because it was the largest loan that we ever had. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX was the last day I could use my card. I receieved a transfer from a friend for {$20.00}. I was waiting for my DD to hit on XXXX XXXX but never did. I tried to get online to sccess my acct and it was locked. I tried to call but it was busy busy busy.So I got on XXXX and saw a group about # ENDRUSHCARD and joined. I was seeing people with situations way worse than mine. I went to XXXX XXXX page explaining our situations and no response. I called All news stations, no response, then I called a atty and found out there is nothing we can do because of a Arbitration in the Rushcard agreement.NOW I am worried my mom will not get her SSI money on XXXX XXXX and then she will be XXXX. RUSHCARD NEEDS TO BE TAKEN TO COURT AND SHUTDOWN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: SQUARETWO FINANCIAL CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is, in my opinion, ruining my credit report on purpose. It is amazing to me how inept they are being about fixing their own mistakes. I have literally sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ridiculous statements trying to tell me that I am the one who is wrong! LIKE REALLY?! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history WITH THE BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PREFERRED CREDIT INC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
previously disputed a CFPB complain and results came back stating account not reported with XXXX. Preferred credit revolving account is factually incorrectly. All 3 bureaus are reporting account status as closed with a balance of {$5600.00} with the payment status of charge off with different account #. XXXX XXXX is reporting account # as XX and no data whatsoever on payment history whereas XXXX is reporting account # as XXXX with payments and late payments on payment history. XXXX is reporting account # as XXXX with OK as agreed from XX/XX/XXXX through XX/XX/XXXX, yet all three bureaus are missing data on date last payment. This is ridiculous! There is no way that account can be accurate and reporting on credit report when all three bureaus are reporting differently. Information should be the same when coming from the same furniture data. date less active is being reported at XXXX XXXX by XXXX XXXX and XXXX while XXXX reports XX/XX/XXXX. It is not acceptable that all three bureaus are reporting the same account separately! This is increasing my total debt by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did a transfer from my XXXX XXXXXXXX XXXX XXXX XXXX Account to my Fifth Third Account which is known by the My wisely card which is a payroll Card. I did a XXXX dollar transfer and the money was deducted from my XXXX account and not put into my Fifth Third account. When I tried to get my money back I was told to do a card upgrade which I got denied and they refused to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am ask to pay a loan that has already bee paid in full the Fair Debt Collections Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not state that such consumer owes any debt GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been harassed by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX by Capital Accounts over a claim that I do not owe / am not familiar with. 

In addition to calling me at my work number which does not allow personal calls, they also contactedseveral senior citizen family members and misrepresented who theywere, misstated alleged amountsowed, and made threatening remarks. 

I requested that they stop all communication with me and with this address about this debt, and that I am disputing the debt/ have no knowledge of what it is. However they have ignored those written requests and continue to harass me at work and call family members claiming to be from the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) 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. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed

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 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A law firm agreed to a settlement amount. 
They are now saying they will not honor that amount. 
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail. 
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 Debt owed {$480.00} for account number XXXX does not specifically say in statement what this medical bill is from? It is not itemized!

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 2022-11-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
previously disputed SYNCHRONY BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XXXX XXXX XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XXXX  while XXXX XXXX report XX/XX/XXXX and XXXX reports XXXX. There is no way that account can be reported as open with one bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.

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 2016-02-19
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! 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 2016-12-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.

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 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are Santander USA, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: United PanAm Financial Corp.
State: NY
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:
I went to XXXX : company name who I now see is rated F by the XXXX So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.

Company response to consumer: Closed with explanation