BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: GreenSky, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have requested for a duct cleaning service with XXXX duct cleaning service, they came and connected with Greensky to pay the amount, they told me if I pay in a year there wont be any additional charges. The person called from his mobile and I have provided all the information requested and accepted that I am going to use their services. 
Very next day I have visited and looked the cleaning service vendor has provided and I came to know they didnt do any services and I have called greensky to dispute the charges. After couple of weeks I didnt hear anything I called Greensky again, they told me who was investigating was on vacation and once they back they get back to me however they lift dispute without informing us. When they follow up they told me they dont have my information that is the reason why the didnt contact me. And they forced me to pay all the amount what I didnt get the service. 
When I called and requested for support they told me that they dont do anything and I am responsible for all the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding workout programs available to me as a borrower. I submitted a request for short-term loan workout assistance due to hardship at the end of 2015 and was approved. They forwarded a package to me to have returned for long-term loan workout assistance request. I did not receive this package to be able to return it timely. I requested another to be sent and was declined that option as I missed a " window '' for return that was never conveyed to me. Further, I was told that I could not be reviewed for short or long-term loan workout assistance until 12 months of payments were made following this debacle. I request a full review of the account, AES to update their website for transparency around general payment applications ( this is critical when there are potentially several loans serviced with multiple due dates ), AES to review general payment practices ( the general payment should cover the most delinquent or the earliest due amounts ), removal of all alleged late payments ' credit reporting from my account, and alteration of existing borrower hardship loan workout assistance practices. Thank you for your time, consideration, and assistance. Feel free to reach out to me with any questions or if any additional support is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had a Target Red Card for over ( 2 ) years now. I have NEVER been late on a payment that was ( 30 ) days late. I signed up for Target Red Card e-statements, and I have NEVER received them. In XX/XX/2021 I initiated a payment for the full amount due to be processed on XX/XX/2021. Target Red Card NEVER initiated that debit from my account, they NEVER sent me an e statement, and NEVER informed me that the payment did not process. The only reason that I know the payment did not process is because I received a 30 day late on my credit reports. As soon as the 30 day late hit my credit reports, I logged in and made an additional payment and paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX, XXXX I received an invitation from Discover it credit card company, informing me that I am amongst the few to qualify for this offer. And thanks to my credit history and hard work, they are inviting me to apply ( They included a special invitation code word with the offer. ) I have access to XXXX XXXX dollars in credit through various other credit card companies. My credit is excellent. And so before I decided to officially apply, Discover it had sent me an email also to prequalify without impact to my credit score. So I did prequalify and again they assured me that I pre-qualified and encouraged me to apply. 

But when I did officially apply, they came back with a denial. I was shocked and felt extremely deceived! The worst part is this is the second time they did this to me in one year. From the research I've done, Discover it is doing this to many other XXXX veterans and people of XXXX. This is exactly what XXXX XXXX was doing also. 

I've spent countless hours trying to figure out why they denied me. No one can tell me, and they simply told me to wait for some letter to arrive in the mail. After a couple of more phone calls I got to speak with some supervisor telling me that I was denied because I had a couple of credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Since XXXX, my name has been used for different loans and credit cards for different amounts of money. However, I got my XXXX number XX/XX/XXXX. I have only one debt with XXXX financial as of XX/XX/XXXX. When I log in to check my credit, there is XXXX account open in my name, that I did not open.

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 2020-06-09
Company: EQUIFAX, INC.
State: MD
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:
ON OR ABOUT XXXX AND XX/XX/2020 I DISPUTED ITEMS ON MY CREDIT REPORT. EQUIFAX HAS FAILED TO INVESTIGATE AN UNVERIFIABLE, INCOMPLETE AND INCORRECT ITEM. MOREOVER THE HAVE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEM IN VIOLATION OF SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Paypal opened a credit card account without my knowledge on XXXX. I do not even have an account with PayPal. Someone charged {$1000.00} to this credit card account. I knew nothing about the account until I received a letter from a collections company ( XXXX XXXX XXXX XXXX of XXXX, IL ). I called XXXX XXXX XXXX and reported the account as fraudulent. XXXX returned the account to PayPal and XXXX Bank. I contacted XXXX Bank through their web site to report the fraudulent account and was referred to PayPal. I will contact PayPal once their call center opens to report the account as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my car back to XXXX on XX/XX/2021, and the loan was handled by Bridgecrest. After I sold the car back to XXXX, I was supposed to get a refund from Bridgecrest for approximately {$610.00}.

Initially, Bridgecrest had the wrong address when I called on XX/XX/XXXX. I gave them the correct address and they assured me that the refund was on the way. After not receiving anything, I called them back on XX/XX/XXXX and asked for a status update. They mentioned that the ticket was in a holding pattern and wanted to make sure my address was correct. I confirmed the right address and continued to wait. 

I called again on XX/XX/XXXX, and one of their associates, XXXX, assured me that the issue had been corrected and that I would get my refund in the coming week. I reached back out to Bridgecrest on XX/XX/XXXX. They mentioned that the refund was issued on XX/XX/XXXX and I would receive it in 7-10 business days from XX/XX/XXXX. 
I checked my mail on XX/XX/XXXX, and the check was not in my mailbox. I reached back out to Bridgecrest today, XX/XX/XXXX, and XXXX, from their XXXX department, said that they sent the check to the wrong address again. I confirmed the address with XXXX different people over the last few months, yet they still sent it to my old address. 
If this were to send my payment in late, they would have charged me a ton of interest and fees. I just want my refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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 have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2016-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote to Portfolio Recovery by certified mail on XXXX XXXX, 2016 requesting validation of the debt they claim I owe them. I have received no response from them and it 's past the allowable time limit for their response. Yet, they continue to report inaccurate information on my credit report. I have asked them to remove this listing from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). 
Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.

Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent accountant increase appearing on credit report. 
Accounts XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2016-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MI
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:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

According to the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, a check was issued to XXXX XXXX XXXX for my home mortgage, it was written from a wells Fargo account. The check was cashed by XXXX Bank in XXXX of XXXX. We have the bank-issued proof of deposit. XXXX stated that this check was never cashed by them reported me as late. Wells Fargo has been notified of this and a Notarized affidavit has been issued to Wells Fargo in XXXX of XXXX. We still have not received this money from Wells Fargo. Wells Fargo and XXXX XXXX are liable for the damage they have caused from XXXX XXXX to the present day XXXX. They have ruined my credit and fraudulently took money from the consumer. The amount of the check was approximately XXXX. In addition, they ruined my credit for over 4 years.

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