BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a mortgage with PA HOUSING Account number XXXX ( full account number XXXX ) that reports on my credit report. They are my servicer for my primary residence mortgage. I had mortgage lates over 7 years ago, and they are not taking them off, and now even stopped reporting my recent payment history entirely, only reporting my most recent payment. I want them to Please remove the mortgage lates over 7 years old, and show my most recent payment history on my credit report. I attached a copy of my report. This account shows up on page 1, as the 1st account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2019-05-29
Company: Unifin Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a collection account on my credit report. The account was reported by XXXX XXXX XXXX who also sold the debt to multiple agencies. After multiple disputes to all three credit bureaus because I had no knowledge of the debt the account was removed from my credit report by all three credit bureaus. I received a letter recently dated XX/XX/2019 by Unifin Inc reporting the same account for a lesser amount asking me to settle an account I do not owe after the account has been removed almost 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXXXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In 2017, Equifax failed to adequately secure my personal information, including my Social Security Number and date of birth, resulting in the dissemination of my information to hackers, and eventually people who purchase this information for fraud. This breach involved myself and millions of others. Equifax failed to notify me in a timely manner, I only discovered the breach through an article in the XXXX XXXX XXXX, over a month after it happened. I received no contact from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am writing in regards to the mishandling of our mortgage loan with BSI Financial that has caused significant additional charges to our loan. We were previously approved for a forbearance plan that was completed XX/XX/2020 and still has not been finished. BSI has overcharged interest to our loan due to the fact the modification has taken so long. I am requesting a full review/audit of our loan and how it was handled due to the pandemic. 

Please see attached letter of explanation with details of dates, amounts and actions taken to try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax leaked my information in a security breach putting my credit in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Financial Management Solutions, LLC
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:
The settlement has been paid in full but I am getting the run around with getting my credit report updated with the correct information. The amount being reported is incorrect. The settlement amount of {$2600.00} has been resolved as of XX/XX/2022. Payments made for XX/XX/XXXX and XX/XX/XXXX were not reported. I have tried to get assistance with this but XXXX XXXX directs me to FMS Financial and they direct me to XXXX XXXX of XXXX XXXX. The funds have been collected but the creditors are not making the necessary updates that are a negative impact and housing status.

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 2021-04-14
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name : XXXX XXXX I have sent {$5000.00} to BSI Financial over 30 days ago XXXX XX/XX/2021 ) to be applied to my account as interest, principle or escrow and the funds have not been applied to my account. 

My address : XXXX XXXX XXXX XXXX, XXXX CO XXXX My Tel. XXXX My Property Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX BSI Financial : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXXXXXX Main line XXXXXXXX Fax XXXX NMLS # XXXX Branch NMLS # XXXX XXXX. XXXX BSI Acct. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax allowed unknown persons to access my DOB, SSN, name, address, drivers license number and private credit report information. They did not protect this information to the best of their ability. I have now had to shell out {$30.00} to freeze my credit with 3 credit bureaus and pray to XXXX that hackers are not fraudulently using my information that Equifax did not protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
My Personal information has been stolen. I am a victim of the XXXX 2017 Equifax hack

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Paypal Holdings, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently switched bank accounts and didn't remember to update my PayPal account with new info. As such it temporarily went into a negative balance ( tried to withdraw from my old account which was denied, plugged in new account like the next day, withdrew from new account, all is well ). 

An unknown number called me this morning with a very serious person telling me they were calling to collect a debt owned by me to PayPal. I told them I had already paid and the balance is showing up as " pending '' on my PayPal account. They told me I was wrong and I needed to pay right now - so I just hung up. 

Trying to collect a debt in such an aggressive manner is one thing, but trying to collect a debt that has been paid already and trying to argue over that is not good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$190000.00} XX/XX/2022 To Whom It May Concern, I am currently being harassed by Navient. Navient has called me multiple times a day which I understood would happen when I was unable to pay the loans. They then started calling my sister, elderly parents, and mother in law. I spoke to them on XXXX separate occasions and asked that they stop calling family. Two weeks ago I spoke to them and explained my situation again. I explained I have XXXX, XXXX XXXX  children, and work XXXX XXXX XXXX XXXX. I am not always able to talk on the phone but will be in contact with them-that they did not need to contact other people. I would always let them know if my contact information changed. Today they called my neighbor who also happens to be my coworker. I have no idea why they would start calling neighbors and coworkers except to embarass and harass me into paying them ( with money I do not have ). I understand there are consequences for not paying a debt and I am willing to take them. I want to work out an agreement with them. However, I do believe I deserve some sort of protection from having my personal business spread around the small town I live in and tarnishing my reputation at work. Can you please help? I am desperate. 

Navients attempt to validate my claim is vague and insufficient and the documentation that was submitted is vague and lacking competence. Wet ink copies of statements or applications bearing my signature were NOT provided. Proof of a contractual agreement bearing my signature was NOT provided. Navients computer screen printouts submitted are vague, lack competence and are therefore unacceptable. Navients attempt to validate this claim is therefore unsatisfactory. Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of in their question to damage my credit standing. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A XXXX XXXX XXXX vehicle I financed with Santander USA was wrongfully towed by the XXXX county police impound during the COVID-19 lockdown on XX/XX/XXXX, due to expired tags. And Santander USA failed to regain possession of the vehicle from the impound before the Police Auction date of XX/XX/XXXX that was provided to them weeks in advance. The vehicle was auction off at {$15000.00} way less than the {$20000.00} market value, which leaves me liable for a large portion of the remaining loan balance because they failed to pick up the vehicle in due time even though they were advised to. And now Im left to pay for a vehicle I no longer have possession of because they fail to regain possession of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: NC
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:
Have contacted Credit Bureaus about inquires about XXXX of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX  XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax suffered a security breach on X/X/2017 due to lack of sufficient cyber security and divulged my personal information through cyber attack. They are also a victim here, however as a direct result of their lack of security, I will now INDEFINITELY be at substantially increased for identity theft and fraud.

Company response to consumer: Closed with explanation