BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

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 2019-03-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 at XXXX I was contacted by a representative ( don't remember his name ) from Huntington Bank XXXX XXXX ) - I was never informed that the purpose of the call was for debt collecting purposes, nor was I was informed of the call being recorded. So I was a little surprised when he started talking to me about debt and how I wanted to resolve the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX i saw alot of pre-approvals on Credit Karma. At first i didnt pay it no attention but Credit Karma kept sending me all sorts of different pre-approvals telling me that i was pre-approved for credit cards, personal loans and that i can refinance my car. Everyday i would see these offers everytime i logged in to check my credit scores. So after after few months of being told that i was pre-approved i thought i was now in the perfect place to apply. I got so many offers through Credit Karma i started telling my whole family about vacations and investments we were going to use these pre-approvals for. So i applied on or around sometime in XXXX  and i got denied for two credit cards and a personal loan. I was distraught, i was very very angry and i felt deceived. I was marketed to for months. Credit Karma told me that i was pre-approved, this was a lie! I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad i became anti-social. My XXXX  went from 0-100. Now everytime i see pre-approvals i immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that i havent checked my credit as frequently as i should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-04-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,

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 2019-12-02
Company: American Elite Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding.

I told them I was unaware of this.

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full.

I called them back to ask for some verification of the debt. When I did they got nasty with me.

They would not give me their address to request in writing proof of the debt or any notification.

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt.

There are NO phone numbers to contact timelypayday.com I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you

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 2022-09-09
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Two separate transactions on my Paypal account that are unable to be cancelled. The first is in the amount of {$12.00}, the second is for the amount of {$28.00}. There is no option to refund these payments. The services I was purchasing were not provided and the sellers immediately blocked all forms of communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Seven days after applying for a home loan with rocket mortgage XXXX would not provide a loan estimate worksheet after repeated requests. it wasn't until I asked to be a signed a different agent that he finally provided it.

Rocket Mortage ( XXXX : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX  XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$720.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reviewing my credit report I found items from a debt collector. I didnt recognize this company because I have never done business with them.

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 2019-03-22
Company: Capehart & Scatchard PA
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Husband had a roof put on called company they did not want to talk to me sent all death certificate to them they sends my name to threaten my house in foreclosure for XXXX my house worth XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions 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:
After numerous disputes experian continues to report a payment history on an account that has been paid and closed since XXXX they will not stop reporting a monthly history on this item for XXXX they have two paid on time payment and two months as repossession making it appear it was repossessed again in XXXX and lowing my score I have called and filed a complaint directly with them after three different disputes they will not update this payment history there should not be an active monthly report for a closed and paid account with 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 2017-04-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX   XXXX  sold my school loans to different companies who now created duplicate loans on my credit report.   And I feel that the school loan amount does n't match what 's on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible. 

If the debt is based on an alleged agreement or contract, please provide me with a copy of the original signed agreement or contract bearing my signature. 

Please provide me with a detailed account history, including all records of payments, charges, and any communication related to the account. 

It appears that there is a lack of privity between myself and the alleged parties involved in the reported incidents. I have never had any contractual or financial relationship with the entities mentioned in my report. Therefore, I request clarification and verification of the privity requirement, as it seems to be lacking in these cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
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:
Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for ca mortgage relief back in XXXX, 2022 it was approved, they send my past due payments about {$58000.00} to BANK OF AMERICA in XXXX 2022 Bank of America Transferred My loan to XXXX XXXX XXXX in XXXX, XXXX, 2022. 
Now Bank of America is Holding the money that Ca. Mortgage Relief sent them. they are not returning the money they did not transfer the money to XXXX, my house is going to go to foreclose soon, XXXX  is keep charging me a very higher late fee charges of {$280.00} a month higher than Bank of America was {$97.00} I need help to get the money back so it can be sent to new servicing co. 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 2017-06-17
Company: LOAN SIMPLE INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 18 months, Chase has deferred our mortgage payments due to pandemic hardships. They told us on about XX/XX/XXXX that we could defer our past due amount until the end of the loan period without penalty or extra interest. However, we were told that Chase needed to make a final decision on it and that we would receive a confirmation letter within two to three weeks. 

On XX/XX/XXXX, I inquired about the status of the deferment and was provided no further information. 

It has now been three weeks and we have received no information from Chase, our amount due on XX/XX/XXXX is over {$93000.00}, which is three business days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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 get assistance with XXXX XXXX. I XXXX with the Delaware XXXX XXXX XXXX XXXX XXXX XXXX Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for XXXX. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from XXXX in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. 50 U.S. Code Chapter 50-Servicemembers Civil Relief declares in the case of a member of the XXXX XXXX, includes service under a call to active service authorized by the President or the Secretary of XXXX for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is 3952. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from Transunion, Equifax, and Experian immediately and permanently. As a XXXX, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.

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