BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a phone call from XXXX ( XXXX ) XXXX that left a voicemail with a man identifying himself as XXXX demanding that I called him back at XXXX as he and his company spent enough time and resources to locate me to pay a debt in which I have no knowledge of this company or who theyre trying to collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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:
I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: TX
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 sent the credit bureau a letter on XX/XX/2021 disputing inaccurate on accounts on my credit report and requesting they provide me with the procedures used to validate this inaccurate information. They again responded to me with verified results even though I have been disputing these problematic accounts for over 1 year now. They are violating the FCRA by not conducting a proper investigation into my disputes. This is my first of many complaints because they have violated my rights as a consumer numerous times while continuing to report inaccurate information. I have followed the instructions of the FTC and CFPB. Something needs to be done about this company.

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 2017-05-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Appeal was sent to lender : Not review  for HAMP lo an when application received by lender on  XXXX / XXXX / XXXX  but no decision made until  XXXX / XXXX / XXXX  - review of HAMP decision not defined or even mentioned.  <P/> Attaching denial we received fro  m Ocwen.
<P/>  Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio  n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
<P/>
The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss   mitigation options.

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 2017-05-31
Company: Experian Information Solutions Inc.
State: KS
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:
on X/XX/2017, an inquiry was reported to my credit report with the following information : Creditor Type : Check Cashing Service Inquiry Date : X/XX/2017 Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, XXXX Utah XXXX Creditor Phone : XXXX I did not apply or contact XXXX XXXX or give them my information. I am not sure how they got my information, but I have concerns that my identity may have been compromised or XXXX XXXX obtain my information and using it inappropriately.

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 2021-11-18
Company: EQUIFAX, INC.
State: NY
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:
Equifax, XXXX XXXX, and XXXX credit reporting bureaus incorrectly reported XXXX XXXX XXXX XXXX XXXX as Delinquent. When Equifax Reinvestigation results shows Not Currently Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did. 
My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}. 

As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available. 

I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX. 

When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped. 

***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}. 

The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds. 

As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %. 

I appreciate any help or insight you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: OH
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 disputed XXXX XXXX filings that populated on to my Experian Credit Report with Experian on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different XXXX than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, Experian completed their investigation and marked the XXXX to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the XXXX used for the XXXX is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new XXXX  on my credit report filed XX/XX/2021. Experian 's reporting of this XXXX  and the prior XXXX are costing me a lot!

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 2017-05-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navient student loans My student loans from Navient I have two And my three XXXX students loans From XXXX I apply for a student loan forgiveness program And all of my loans has been forgiven so its XXXX All payed off Navient XXXX XXXX Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from  XXXX  EST -  XXXX  EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here  are a few of the numbers they have called me from with dates and times. This is just in the last TWO  WEEKS :  XXXX  -  XXXX   XXXX , MI -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX ,  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NJ  XXXX / XXXX / 17  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX   XXXX , CO -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV  XXXX   XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX   XXXX  - Unknown  Location  -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
To whom it may concern : On XX/XX/2021, an unknown entity- XXXX, is reported on my credit. In addition, the account has been closed and they have been harassing me. 

Please remove, this unauthorized information from my credit. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MS
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:
As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXX XXXX  Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


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 2018-06-01
Company: Experian Information Solutions Inc.
State: KS
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:
cra voilation sent the ftc inaccurate information no knowledge of

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 2021-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A USAA Banking Service account was fraudulently opened under my name on XXXX XXXX, XXXX USAA was notified shortly thereafter to the fact that I had not requested or applied for their card. No activity is shown on that USAA account, as shown with the XXXX Credit reporting website. Still... the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Mercedes Benz Financial Services
State: NY
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 never received the bill from the Car loan company. They never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft.

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 2017-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX  repossessed my car without notification ... I wa s 30 mile s from home on a cane, in a handicapped spot with handicapped plates. I was very late getting home ... almost did n't get home.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}

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 2022-04-27
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00}

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 2021-11-18
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation