BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Why someone else is linked to my account and why my debit card is being linked to other software or tracked? We have also noticed multiple transactions are hitting our account twice for the same amount. Before Simmons bought out XXXX XXXX Bank ( I was a customer ) I never had NSF charges and with Simmons I have more NSF charges yet nobody can explain why, they just credit my account when I call regarding this issue. Credits are to post before debits so with that being said, if I make a payment on a Thursday night to maybe a credit card company and my direct deposit is to hit at midnight ( Friday ) and the credit card payment is posting at midnight then why am I being charged? Clearly I am looking to switch accounts however this is wrong and I have been a customer for well over 15 years! There should not be any software, other XXXX accounts linked to my personal checking account.

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 2022-11-07
Company: Factor Trust
State: NV
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:
these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with PHH. I have tried to submit for a loan modification a couple times. I was never able to communicate to the same person which always caused confusion. PHH always seemed to lose my paperwork, which I constantly had to re-fax. I fell behind in 2017 and had to file a bankruptcy to protect my self from this aggressive lender. I have paid them a lot of money to catch up. But PHH keeps adding fees and has been very difficult to deal with to resolve. I have recently been declined for a modification and feel is was not reviewed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The account was not accurately verified. They have not shown a contract with my signature as requested.

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 2016-04-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently settled a debt in collection. I am trying to dispute the collection as already settled. I have tried submitted a dispute online but the verification information I gave was incorrect. Now, Equifax says I need to fax in my dispute. There is no fax machine available to me and this negative collection item is damaging my credit. I would like to dispute the item as settled but I can not move forward with the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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:
XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCollection Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1900.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1900.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1200.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$160.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$2400.00} Date OpenedXX/XX/XXXX Dispute

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 2016-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: American First Finance, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied on XX/XX/2022 for loan. XXXX XXXXXX/XX/2022, I want to pay loan off before interest rates apply. They have my information, but their website shows I do not have an account with them. They ask for a XXXX account number in automatic calling. They provided me with only XXXX. They don't answer the phone number provided. They have failed to openly communicate properly. I feel like they are predatory lending to me, the customer. I want to opt out of their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: Zenith Financial Network Inc
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: Factor Trust
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXXXXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX  ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IN
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2022-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know these companies. I have never done any business with these companies. These companies do not have a contract with my signature. 
Please remove these inquiries from my credit report immediately.

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