BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX  XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$95.00} XXXX  XX/XX/XXXX {$760.00} XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX  XXXX XXXX  XX/XX/XXXX {$700.00} XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX  XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2021-11-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX XXXX XXXX with a car payment of XXXX that I purchased back in XX/XX/XXXX. My income took a severe turn back in XXXX when covid hit I was out of a job for a year. I reached out to XXXX and told them I can not afford the payment they still attached late fees to my account and refused to trade my vehicle in for an affordable vehicle. I am still behind in payments barely making full payments and they still refused to trade me out my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Documents were supplied to Equifax on XXXX as part of a dispute. They were not supplied to the merchant. The dispute came back without an error being corrected. When I requested a written correspondence with the outcome of the dispute, I was told by multiple individuals that they do not send physical correspondence in response to a dispute. 

This is specifically in regards to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Opportunity Financial, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, the consumer, trying to exercise my rights to validate a debt and Opps Loans debt collector is not responding. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX  days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: DISCOVER BANK
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 status incorrect

Complaint:
I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: OPTUM BANK, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called them today to have them change the address. They refused to accept the info to send me new card since this card was expired. The card was from XXXX  XXXX for the XXXX... money goes into the card for medical purposes so when I tried to use it last XXXX or XXXX, 2021. It was not working. The money is still there..about {$330.00} or under. The call staff wont mail me the new credit card and wont change my current address. They have my old address which I do not even remmy which address they had. They refused help me further and are WITHHOLDING MY XXXX MONEY! My own money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was sold a mortgage by bidding on a home that was foreclosed, the saleman press to bid higher and higher to win the bid. the saleman connected me the person finance my loan at Flagstar bank, Flagstar Bank kept telling me they work with me after informing them I needed help and after they assure me they were not going to foreclosed. I sent {$2000.00} and then found out my loan was to another loan company, 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 2015-09-04
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I used Paypal to pay for a large welder which was to be palletized and shipped across several states. I paid trucking co independent of seller. Seller did not bother to secure the welder or any of its accessories to the pallet upon which it was shipped and of course it arrived damaged which cost me many hours of time and a significant portion of the cost of welder and shipping to repair to functional, much less aesthetically the same as when it left sellers shop. I filed a complaint against seller, weeks later Paypal tells me only way to resolve the case was to ship it back to seller at my own cost, after I had already paid the costs to repair machine because I needed to use it and did n't have enough money extra to buy a second welder while I waited on a response from Paypal. I appealed this decision, Paypal contacted seller for their response, seller did not agree to a refund and Paypal told me there was nothing they could do. At this point nearly 60 days had passed so I contacted my credit card issuer to do a chargeback, they have no online dispute process so I 'm forced to mail dispute information and after receiving it credit card company tells me that because they did n't receive it within 60 days of the original charge they are unwilling to do anything to help me. I believe that Paypal deliberately draws out the length of their dispute resolution process to avoid the possibility of a chargeback when they fail to protect their customers from negligent or scamming sellers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
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:
Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as 30 days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to XXXX hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as 30 days late twice. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the two 30-day late payments with the Credit Bureaus as that was not my fault for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Experian XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within 30 days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.

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 2015-04-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX MD, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXXThis dentist filed a delinquent report on my credit report. He my dentist and I have never used him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
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:
On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Credit Karma, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The credit karma card was sent to me. However, there was no way for me to edit the text nbr that they have. It was old text nbr. I can not even change the text nbr and tried to find a way to reach credit karma. A live person was no where to he found. I submitted the info to change from old text to new text nbr, but ... this credit karma wants more info. I am not comfortable with giving private info thru email and prefer to speak to people thru phone to help me as a customer with the card to activate! There is no live person! This is same as XXXX ... no way to communicate with people in live persons. This is frustrating!! I need my XXXX card to be activated! And need to change my text nbr and bank info. They have my old bank info!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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 sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or Any other adverse item of information, other than records of convictions of crimes 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 a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was asked to provide master condo hazard insurance coverage document for loan XXXX which i did ( XXXX certificate XXXX valid for XXXX ). Upon checking my escrow account I found that initially there was a charge of {$2900.00} on XX/XX/XXXX for a lender placed insurance and later refund of {$2400.00} on XX/XX/XXXX when Flagstar bank received the master condo policy. I was told the remaining charge was due to lender placed insurnace for not having proof of insurance for XXXX. I also uploaded the master condo hazard policy for the period XXXX ( XXXX certificate XXXX ) on XX/XX/XXXX. However Flagstar bank has not issued the refund for {$470.00} yet. I have called the customer care helpline XXXX times but there is no resolution yet.

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 2020-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made one direct wire payment to Select Portfolio Servicing , Inc. On XX/XX/XXXX in the amount of {$650.00} for XX/XX/XXXX payment and two payments by direct wire service to Select Portfolio Servicing , Inc. XXXX XX/XX/XXXX in the amounts of {$650.00} and {$91.00} for " Other Fees ''. Select Portfolio Servicing , Inc. lost these payments until approximately XX/XX/XXXX, at which time I was approved for a trial mortgage modification. I sent the certified copys of the wiring confirmation and also my bank statements showing proof of the 3 cleared payments. They have brought my credit score down by XXXX points. They refuse to correct the score and reporting now that they have found the 3 missing payments. My payments I made were in well before the XXXX XXXX Grace Period End Date ) of the month they were for. XXXX XXXX XXXX XXXX XXXX has the worst record keeping and service representatives I have ever encountered. They need charged with fraudulent credit reporting and negligent erroneous record keeping. I had a 100 % payment record with no miseed payments from XXXX till XXXX, they have taken away something I was very proud of and continue to cause me financial injury by not restoring my perfect payment record. I have also sent them the first trial modification plan payment of {$510.00} that was due on or before XX/XX/XXXX. I sent it by XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX. The {$510.00} is being held in a separate part of my mortgage account till all 3 trial payments have been submitted properly. I just want my credit scores corrected with all 4 Credit Reporting Bureaus they use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ProCollect refuses to provide any further information to verify the debt other than the name of the company and the amount. There is no contact information for the medical company as it appears they are no longer in business. The medical group appeared to provide services in XXXX 2009 but we have never been contacted by phone or in writing until after the account was placed into collections and reported to the credit bureaus. We did not even get a chance to provide insurance information to the original provider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation