BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Conn's, Inc.
State: TX
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 pulled a copy of my credit report and noticed this unknown creditor. I contacted them on XX/XX/2020 asking for a validation ( proof ) that the debt is mine. However, the address they reported to credit bureaus was incorrect and did not deliver properly. I then resent the letter to the correct address on XX/XX/2020 which they received on XX/XX/2020. I know they received the letter because I have receipts of their signature via certified mail. According to the Fair Credit Reporting Act, creditors are to reply in 30 days form the day they receive the dispute. Conns failed to do so. I sent them a follow up letter on XX/XX/2020 which they received on XX/XX/2020. They replied within time and asked for my social ( which was already given in my initial letter ) and account number ( which I do not have since I don't know where this account came from ). As a response I sent them a copy of my credit report and a letter explaining that I do not have that information and they did not reply yet again. In addition to them not replying, they also did not furnish the proper disclosure dispute statement. By law, creditors must notify and update a dispute disclosure to credit bureaus which states that the consumer ( myself ) is disputing the account. Creditors have 30 days to do this and they failed to update a couple of times. I am tired of complying and doing my part ( following the laws ) in resolving this issue. Conns is not being compliant and this is seriously harming my credit score. I need a response fast in order for this situation to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
We were turned down for a loan by Ally Bank for an RV. 
Our credit score was over 800, we own our home, and never missed a payment. 
I suspect age discrimination. We are retired. 

Another lender approved our loan.

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 2016-07-25
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have opened a short sale and submitted a complete file as of XXXX/XXXX/16. To date, US Bank can only tell me that the file is stalled in quality control. XXXX, huh? Ten weeks in quality control!

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 2017-03-20
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
all XXXX credit report companies are stating on my reports that these companies are telling them i had lost or stolen cards and identityt theft which is not true or accurate. 
XXXX and XXXX cards are filing stuff on my report that i had lost or stolen cards and that i had identity theft and i have not ever had such a problem. they have cancelled the cards out now because im pisted off they keep adding stuff to my report that is not true or accurate i have called them several times and all XXXX credit report companies as well. i had top excellent credit a few months ago now it went down and i cant even get a credit card now when i apply cause of them putting this on my report and XXXX of my other credit card companies have also cancelled out my cards as well like XXXX card and another card i had. they said until this is taken off my report my credit is bad now cant get approved for no cards or loans and they wont give my credit cards back until its taken off. i need this taken off so my credit goes back to excellent again its bad right now cause of this companies putting stuff on my credit reports and now i cant even get approved for a new credit card since they did this this last month. please help me get this off my report the XXXX and XXXX cards info about lost or stolen cards info and dont allow them to report more bad things on it, i really want my credit to be excellent but credit report companies are destroying it as well as XXXX reporting it on my credit reports and i want it fixed asap. so i can get my XXXX card back and my other credit card and i want to apply for loan but i cant even do that as of right now cause of this fraud alert and lost or stolen cards they have put on my report. just the info taken off about stolen or lost cards or fraud alert or identity taken off, let me know. the XXXX XXXX and XXXX cards they closed themselves because they saw this on my report as well, so their own company cancelled me out cause they put this on my report themselves XXXX but they are accusing credit reporting companies for doing this so i dont know if credit reports are causing teh issues or XXXX but i want it off immediately cause its inaccurate 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 2017-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

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 2019-05-11
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job last year and fell behind on my mortgage payments. I contacted my mortgage company regarding a hardship program and was put on a forebarence with payments of {$910.00} per month. I was puzzled at first since Unemplyment was my only source of income and this plan would take more than half and I was only given a 2 week notice on when payments would start. I called to discuss these concerns with a representative who told me if I didn't take the payment plan then nothing else would be offered and I could be at risk of loosing my home. I explained that a 2 week notice would not allow time for funds to be available when the 1st payment was due and she told me that as long as I mad the payment by the last day of the month, the plan would be considered in good standing. 

I made the fist payment on the last day of the month when fund were available. I was dropped from the plan because the payment did not post until the next business day. I disputed the disqualification and was allowed to resume payments according to the forberance schedule. I made my XXXX payment on XX/XX/XXXX, which happened to fall on a Sat. The payment was accepted however ; I was just notified that I was once again disqualified from the program due to breach of contract since the payment did not post until the following Monday, XX/XX/XXXX. 

This is a contradiction since I was told that as long as the payment was received by the last day of the month I would be okay. I disputed the disqualification and my dispute was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i defaulted on a auto loan at ally bank on XX/XX/2013.i noticed recently that every 3 or 4 months they remove the negative entry off my credit report and a completely new entry with a small change in the balance will appear a couple of days later, sometimes only penny 's in difference. therefore restarting the time statutes back to seven years.they constantly do inquiries on my credit reports damaging my score.if the loan was charged of f on XX/XX/2013, why do they keep tinkering with dates, balances, etc.after 4 years in Texas they can not legally sue in court that is why ally bank keeps renewing the credit entry as a new debt with a new balance and a new time statute.this kind of activity does not seem legal to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a house in Massachusetts back in XXXX with Countrywide Bank in the amount of $ XXXX. In XXXX I could not afford my mortgage payments and the bank initiate a short sale process in my primary house. I tried to negotiate with BOA but the Bank did not want to make a fair agreement. My house was sold to a 3rd party for a half of the amount owed to BOA. 
Bank of America owned both mortgage by then. The house was sold in XXXX. In my perspective both loans will be cover by the sale. BOA never informed myself that I could have a deficient judgement against me. Few weeks a go a collection name XXXX XXXX XXXX XXXX contact me trying to collect an AMOUNT OF {$61000.00} saying that Bank of America transfer my 2nd Mortgage to them in XXXX XXXX. At this point the house was not even sold and I was living in the house. 
My complaint is : How come BOA sold this loan to a collection before the house was sold? 
Unfortunately I did not had any legal support in order to give me and my family orientation in regarding to remained balances of this mortgage. 
How came they want to came after myself with both loans was done when the house was purchased. 
Please help me to solve this situation. If this is true I would need to file for bankruptcy since I do not have the funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
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 non-monetary relief
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I refinanced my student loan in XXXX of 2007. I have been making on-time payments on this private student loan for more than 10 years. Recently, another company began claiming that I owe THEM a balance for an additional private student loan. They are claiming that my loan was " paid forward '' 10 years, and that it was not in fact " paid off '' when I refinanced my loans via another company. This information was never communicated to me. In addition, the amounts they are claiming I owe do not match. There are typos in their correspondence that makes it very unclear what the actual amount " owed '' is. They refuse to tell me who " paid this loan forward '' 10 years ago. They have provided no proof that this is a valid debt owed, other than single page letters with simple verbiage saying that it is valid. There is ZERO documentation to show a history of this account or signatures of any kind. They sent a promissory note that says the loan is owned by XXXX XXXX, no mention of their company name, Navient. The amount shown on the promissory note does not match anything else I have either. In trying to talk with them to understand what is happening, they simply tell me that I must pay them in order for them to help me. This appears to be completely fraudulent, and they have provided absolutely nothing proving otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were 5 XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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 2018-05-29
Company: Experian Information Solutions Inc.
State: LA
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:
please please please can yall make these bureaus obey the law. when XXXX   had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) CXXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2017-03-09
Company: Scott Fetzer Financial Group Inc.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Discover Bank, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( XXXX XXXX XXXX ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then Discover sued me, so I called to XXXX, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This Discover Bank and XXXX, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: First Credit Services Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting 4 late payments from XX/XX/XXXX between 2 credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these 4 late payments which are unsubstantiated are damaging to my financing.

Company response to consumer: Closed with explanation