BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello, Thanks for taking the time to assist me. I am writing today in regards to my capital one Account # XXXX. which I had some issues with in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I was unwell and ran into issues. I did get my account caught up and have been on time since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
TRANSUNION FAIL TO VERIFY INFORMATION ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mnet Financial Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I had a XXXX  at the XXXX XXXX XXXX in XXXX, Ohio. They made me pay {$100.00} up front before they would perform the XXXX, and give them an account number that the facility could draft monthly until the bill was paid in full. Three subsequent payments in the amount of {XXXX} were drafted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That was the last draft until I received a notice in the mail on XX/XX/XXXX indicating XXXX turned in an outstanding amount of XXXX to XXXX XXXX XXXX for collections. On the statement from XXXX, it indicated that I had not made any payment to XXXX from the XXXX date of XX/XX/XXXX to present which is absolutely false, incorrect and a misrepresentation of the facts. XXXX did not auto draft the final amount from my account as they indicated, then proceeded to turn me into collections. I am not disputing the final amount owed of XXXX per my EOB 's from my insurance company I definitely owe them that outstanding amount and have made every attempt to pay XXXX directly. My issue is a ) they turned the amount into collections completely misrepresenting that I had made no payments, and b ) they refuse to let me pay the bill without going through the collections agency.

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 2021-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like to file a formal complaint against Equifax for failing to unfreeze my credit after multiple attempts at having them do so. 

I have been the victim of severe identity theft and therefore have to freeze my credit, however, I have opened a new company, and need to have access to my reports as I take out loans as needed. It has been excruciating to deal with all three credit bureaus, Equifax remains unable to unfreeze my credit, despite sending us XXXX  different notices that they have unfrozen my reports. 

I have sent in XXXX, once by XXXX  XXXX and the other by Fax copies of my driver 's license, social security card, mortgage statements and electricity bills to prove proof of residence. I spent XXXX hours on the phone with the highest level of management at Equifax, to no avail. Still today, I am unable to have my bank access my reports, and I am now losing crucial money and time. PLEASE investigate this company, as they are doing a great deal of harm, not only to me and my family, but to others who are repeatedly trying to contact Equifax and the bureaus and hitting a brick wall. If I can't obtain this loan I am at risk of losing my house, and the credit bureaus do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXXXXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.

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 2017-05-28
Company: First Data Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Hard inquiries on my credit. 

XX/XX/XXXXXXXX XXXX XXXX Amex XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: SUMMIT FUNDING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to submit a formal complaint on property tax error made by Summit funding Inc and XXXX XXXX I noticed that {$1700.00} was disbursed from my escrow account on XX/XX/2021 and paid to XXXX XXXX. However, when I logged into XXXX to download the tax receipt, I found that my taxes were delinquent and had not been paid. 

Upon further investigation, it is confirmed by the XXXX XXXX, TN tax authority that XXXX paid bill # XXXX instead of bill # XXXX. This error has resulted in my taxes being delinquent and accruing interest. 

I would like to have this error resolved immediately by notifying the tax authority in writing and paying the property tax due, including the accrued interest. I expect that XXXX will be responsible for paying any interest accrued until this error is resolved. 

If you need to reach out for more information or evidence. Please do not hesitate to contact me. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I opted out only to find out that they was still sharing my information with orther companys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

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 2018-12-01
Company: Commonwealth Financial Systems, Inc.
State: GA
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:
Commonwealth Finance {$240.00} Opened XX/XX/2018 There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide 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 you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my third time making a complaint about the accounts that are negatively affecting my credit report. These accounts are false and inaccurate.

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 2015-06-20
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020, I went to XXXX XXXX  XXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX XXXX. They had no right to send my information to multiple sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: FIRST ADVANTAGE CORPORATION
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 is incorrect

Complaint:
A XXXX XXXX XXXX XXXX XXXX FL. shows up as a former address from XXXX through XXXX but I never lived there. I live at XXXX XXXX XXXX XXXX XXXX FL. From XXXX to present. Which is showing up incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2021-04-21
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a GreenTree loan on a mobile home for XXXX years. It was our only option we could find at the time as newly wed first time buyers. Our original loan was for approximately {$60000.00} and was written for XXXX years at 10.5 %. I now still owe XXXX on a XXXX old mobile home that has no refinance value. 
For reference, I am not behind on payments and have good credit ( XXXX beacon ). I feel very taken advantage of as a XXXXyr old first time buyer. I have paid well over {$100000.00} so far and will have paid over {$200000.00} by the time we complete our loan. I understand the cost of financing but feel this is beyond excessive. Dose this not fall into a predatory lending category? I feel like we have more then paid our debt and more then compensated GreenTree for their help getting some kids started XX/XX/XXXX. Enough is enough.

Company response to consumer: Closed with explanation