BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
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 who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent to the Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Credit Bureau as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately. Here are the lists of accounts that is erronousely reporting on myCredit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Ty pe I ha ve a dispute   XXXX    XXXX  - DEBT COLLECTOR Consumer ID  XXXX  Request Date 2017-  XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} fo r PayPal company. First of all I DO NOT have any PayPal account. I do n't even-know how pay Pal works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please als o advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account  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 non-monetary relief
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My  XXXX   XXXX   XXXX  mother requested a modification of a mortgage being serviced by Ocwen in   XXXX  , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was  XXXX    XXXX    XXXX  and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do 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 2021-11-19
Company: Experian Information Solutions Inc.
State: CO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian signed me up for a Premium monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser one is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXX  hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..

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: EQUIFAX, INC.
State: IL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
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 submitted my lease buyout on XX/XX/2022 and confirmed this been completed successfully over the phone on XX/XX/2022. I waited the five business days as instructed for my title to be released. When I called in today on XX/XX/2022, six business days after pay off, I was told the process for the title being released had not been started yet. They stated they would start this process and now it would take XXXX business days for the title to be released. 

I have paid {$12000.00} to buy out my vehicle and Im unable to demonstrate ownership of this expensive possession due to the inability for the leasing company to provide my title in a timely manner. I am just a regular consumer who is has had to float {$12000.00} of my personal money.

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 2019-12-13
Company: POPULAR BANK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I frequent the XXXX XXXX  in the XXXX  and XXXX  XXXX   XXXX  XXXX  I worked yesterday and deposited XXXX dollars in my account by atm in that transaction the receipt returned XXXX I opened the account on the XX/XX/XXXX2019 I deposited XXXX and my next deposit was XXXX that following month as reported by customer care in the XXXX month the customer care stated that I owed for the tenth month XXXX dollars Wich I paid and she also stated an over draft fee from XXXX XXXX which may or may not be fraudulent I have another bank card that had been stolen funds from by a XXXX XXXX that may or may not be the same that was resolved as I reported it as fraudulent I've bean catching my monthly maintenance fee before every XXXX of the following month I stated that I have overdrafted and they are always below 5 dollars which is a condition I made with my bank to never go over 5 or else make the transaction declined I recalled trying my cards at XXXX XXXX and being told that the funds are not transfefing and then that I I have bean charged I resolved with the other card and the bank operater with the bppb is telling me that I must take it up with XXXX XXXX I assume this is some young personel whom is not aware of my ability to catch the false actions she suddenly changed her statement into me owing from the month of elleven this is XXXX and I payed XXXX dollars on XX/XX/XXXX which was yesterday if I overdrafted from the XXXX XXXX I would owe more than that for over draft fees daily which makes me think the teller may be in thievery or covering the theft as I have bean making payments like this I would have covered the fee with the XXXX dollars I deposited to pay my balance and from my last statement I did not exeed XXXX dollars and I have overdrafted before she attempted to explain that the maintenance fee arrives on XX/XX/XXXX Wich is false for that fact that I bean conducting in this manner and that may dates should match XX/XX/XXXX so I assume she is new and undereeducated or she thinks that I am I called within an hour an 30 minutes from this number 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 2018-02-03
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased the property ( XXXX XXXX XXXX XXXX, PA ) in XX/XX/XXXX from XXXX XXXX XXXX.Made my monthly payments regularly until XX/XX/XXXX when i was behind by two payments due to loss of full time employment in XXXX. 
During this period I requested a loan modification so as to catch up on the delinquency.I 've been denied loan modification for the past 5 years ( see attached documents detailing mortgage payments and letters of denial of loan modification )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {$4000.00} limit. They spent {$1300.00}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for 3 years. Equifax is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least 5 times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This comp any Mascarades as a mortgage company but is only a debt collector. They are rude, ruthless and very unsympathetic. We  became behind on our mortgage and when we tried to make a payment they wanted all our financial and personal information. We refused to give this information and tried to make a payment. When we refused our personal info they would not accept our payment and we were hung up on. We then made a payment thru there automated payment system receiving a confirmation code only to find out days later they cancelled the payment therefore charging us more late fees. After 4 months of struggling to get caught  up ( with no assistance from seterus ) and many harassing phone calls from them we finally got completely caught up only to be charged new " home inspection '' fees which were charged to our mortgage one day after being completely caught up. This is the worst " mortgage '' company and will definately be working vigilantly to get away from this company as soon as possible. I would rate this company as -10. They make it impossible to keep your house and make it very clear they are not going to help.

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 2017-04-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My payment wa s ~ {$1100.00} a month from several loans totaling over {$100000.00} ( at the same bank ). I only  earned about {$20000.00} annually and could n't afford to make a payment with rent, food, and living expenses. My cosigner, my grandmother, could n't afford to help because she only earned social security that I was told only amounted to ~ {$800.00} a month.     After the bank soaked up my savings to pay these installments on time, I called them to negotiate a better loan payment that I could handle. I applied to hardship and we were both denied because " we did not make enough money ''. They instead insisted that I find a new cosigner to refinance my loans and that would lower the payment.     Sometime in XX/XX/XXXX  I got the loans refinanced with my parents as the new cosigners. This made the payment lower, but only to ~ {$900.00} a month. I moved back home to not pay rent and save money, but it rose over the course of time and is currently a t ~ {$94 0.00} a month. I still make only {$22000.00} annually and because my parents are also supporting my brother 's education and their own financial monthly payments, th e ~ {$940.00}  a month payment is too much for them to help out with.     So last month  (   XX/XX/XXXX   ) we  tried to work with hardship at this bank again, and today we were denied, but not because " we do n't make enough money '', but because " we make too much money ''. They told us they understand students ca n't make these monthly payments on their loans, so they are more interested in the financial income of the cosigners.     However, they do n't consider the monthly expenses of the cosigners or the borrowers. They look strictly at the income. My complaint is against this bank because they knew that my parents became cosigners on a loan that was n't theirs, without looking at their financial expenses, and assuming they could pay based off their income alone. They have n't been fair to us or our financial situation.

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 2020-03-02
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
My complaint is with Global Client Solutions , LLC and XXXX XXXX XXXX XXXX, XXXX. I am from Georgia and Global Client Solutions has withdrawn over {$20000.00} out of my checking account and have helped pay large upfront fees to XXXX XXXX XXXX XXXX. 
1. Global Client Solutions , LLC is not registered in the state of Georgia. 

2. XXXX XXXX XXXX XXXX changed their name from a LLC to a PLLC in 2015, but did not notify the state of GA if the change which is illegal. 
Both companies have scammed me out of my money. 
Look under their names XXXX is out of Michigan Global is out of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: DISCOVER BANK
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 recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include Discover, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right privacy. 15.U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15.U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crime which antedates the report by more than seven years. 15.U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2017-04-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was notified by Citibank that my HELOC was going to adjust in the first part of  XXXX  in the last part of  XXXX . My interest only payment was going to almost triple. I started the process to see what my options were right away. Since the first part of  XXXX   XXXX  until now  XXXX   XXXX  I have been going back and forth with  Citibank  sending them information. I have asked for an escalation  at one point where basically they had changed my contact person, but nothing changed. I would send the informatio n to them that they requested, only to be sent back another notice asking for much of the same thing. I was very meticulous to do everything they asked for in regards to providing the information to them only to get the same response back that they needed the same informa tion that I just sent. I would have to say with in the last six months I must have sent them information over 20 times. I think this is unnecessary and down right abusive and criminal.

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 2021-11-19
Company: Yamaha Motor Finance Corporation USA
State: AL
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 have had a problem with Yamaha Motor / Yamaha Financial Services before. I'm not the first person to have problems with Yamaha. I went to get a loan and THEY HAVE REPORTED XXXX PAYMENTS AS XXXX DAYS LATE, XXXX PAYMENT AS XXXX  DAYS LATE AND XXXX PAYMENT AS XXXX  DAYS LATE for the year XXXX. THIS HAS ADVERSELY AFFECTED/EFFECTED MY ABILITY TO OBTAIN CREDIT AND/OR CAUSED ME TO HAVE A HIGHER INTEREST RATE. I requested a payment history from Yamaha of which I received through email. XXXX THROUGH XXXX SHOWS EACH PAYMENT WAS POSTED ON THE CORRECT MONTH, DAYS BEFORE THE PAYMENT IS DUE WITH THE EXCEPTION OF XXXX XXXX PAYMENT WHICH WAS POSTED ON THE DAY/DATE THE PAYMENT IS DUE. THAT IS XXXX MONTHS OUT OF XXXX MONTHS THAT YAMAHA HAS FALSELY REPORTED MY PAYMENT INFORMATION TO THE CREDIT BUREAU 'S. I have, not only the email from Yamaha, I have my bank statements showing where the payments clear my financial institution. I'm asking for Yamaha to correct their wrong behavior by inaccurately reporting false info to the credit bureau 's. And to APOLOGIZE TO ME FOR FALSELY REPORTING MY PAYMENTS AND TARNISHING MY CREDIT. They are continuing to give themselves a bad reputation. I may have something else to add to this complaint in the future. DATES : XXXX through XX/XX/2021. AMOUNTS : {$240.00} EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: IL
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 credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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