BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX, XXXX and Experian credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.

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 2016-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in 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 2021-01-18
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My original complaint on XX/XX/XXXX ( # XXXX ) was closed yet the issue is still not resolved so I am opening a second complaint for the same issue. This was my first complaint : There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX XXXX As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/XXXX. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure! 

This is the response by New Rex to my complaint stated on XX/XX/XXXX : Ms. XXXX, On behalf of NewRez Processing Management Team, we apologize for the delay and oversight in sending your {$200.00} courtesy gift card. As you have requested, we have mailed your gift card on XX/XX/XXXX. Our offering of the gift card was due to your unsatisfactory experience with delays in closing your loan. 

It has been well over a month now and I still have not received the promised {$200.00} gift card. What is going on? This is beyond ridiculous now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I needed to refinance my home loan, so I went to my lender but even though I am lower income the bank is not serving my loan request. The neighborhood is located in a mostly poor and underserved area with mostly lowered income buildings. According to  the Community Reinvestment Act, a federal law w as designed to stop discrimination in low income neighborhoods.

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 2017-05-19
Company: Patrick K Willis Company Inc
State: OK
Product: Debt collection
Sub-product: Auto 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:
On  XXXX , I received a voicemail from an Inspector  XXXX , his company name was not given, from  XXXX . The same day  my Mother who lives in a different city was also contacted by him, he gave her my name and said I had violated Federal law and he needed me to contact him. She was very c oncerned thinking I was in some kind of trouble and called me in a panic. I assured her I had not broken any laws but called the number he left to get some answers. He answered, " This is  XXXX  ''. I told him my Mom and I had received calls, he already knew who I was and asked for my Social Security number. I said I would not give that info to a stranger and why did he need it, he said, " ok, I 'll tell YOU what it is '' and recited it to me. He then told me what the call was in regards to and mocked me saying, " so you just had NO idea you had missed payments ''? I said I was not oblivious to my personal finances, but that the lender and I had worked solutions out before and I was not behind to the degree I had been before when things were handled civilly. He then said I was accused of hiding my car, which is completely untrue,  I drive it every day, everywhere. He said if it was n't in the drive with a " big fat bow on it '' then I was hiding  it. My car is in my garage, like most people. He said he had a network of people tracking me and my license plate, ready to take the car when I least expected it, and that all of a sudden, at any point, " it will just be gone ''. He said I owed {$1300.00}, which I have not confirmed but sounds high. I said I would like to contact my lender directly to discuss the matter since they are who I had been doing business with since early   XXXX  . He said they were done working with me, that option was gone and I either had to pay the full amount or give up the car. He finally gave me a couple contact numbers at  XXXX  an d said to call them " right now and do n't stop until they answer. '' I called and they had closed business for the day. I 'm completely terrified to leave my house and my Mother is unnerved still. I can provide the voicemail and a testimonial from her if needed, please let me know how I can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowered my my credit score considerably ( approximately  XXXX  points  ).  In the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries my credit score is around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Risecredit, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed multiple items with Experian. I monitor my credit XXXX and XXXX are both XXXX points higher than Experian. They have multiple Hard Inquires which I have disputed that remain. Some older than 2 years. They are not taking off. Chapter XXXX has been discharged paid in full still not reporting that.

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 2017-05-19
Company: EQUIFAX, 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:
There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.

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 2017-05-19
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that information.

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 2016-11-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is some information that does n't belong to me. 
I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.

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 monetary relief
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed from my credit report.

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