BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: Union Home Mortgage Corp
State: CT
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 did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.

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 2022-05-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian completed the investigation regarding the incorrect Bankruptcy reporting on my credit report. They concluded the investigation by saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX completed its investigation in XX/XX/2021 and deleted the bankruptcy information from my report. 

Attached you will find screenshots of Experian website with the reason they're keeping the incorrect bankruptcy reporting on my credit report. 

I would like to know what other company besides XXXX is reporting this bankruptcy to Experian.

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 2015-04-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX Account # XXXX ) has violated my rights ;. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CALLED THE FEDERAL STUDENT AID DEPT ABOUT THE STATUS OF THE DISCHARGE OF MY FEDERAL LOANS SINCE MY APPROVAL OF SUCH DISCHARGE 8 MONTHS AGO AND WAS NOT GIVEN A SUFFICIENT ANSWER ON WHY THEY WERE NOT DISCHARGED AS OF YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Account status incorrect

Complaint:
XXXX, EQUIFAX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Account status incorrect

Complaint:
XXXX, XXXX AND TRANS UNION ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX  LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

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 2017-05-22
Company: Experian Information Solutions Inc.
State: TX
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 filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 2022-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal clsed my account without giving me any reason whatsoever as t why the closed my account i tried to appeal but learned that the permanet limitation is not reviewed by paypal staff My funds were also loced such that i am unable to get my locked funds back this is very unprofffesiona and i would like it to be reviewed and most importantly get back my blood, sweat and tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: KY
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, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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

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 2022-10-06
Company: Navient Solutions, LLC.
State: NJ
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:
Hello when I was XXXX I went to trade school and took out 2 Federal Loans through Navient in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX XXXX Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.

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 2022-05-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company ( Coinbase ) created a 12 word seed phrase  password without emailing me the password in XX/XX/2021. They then logged me out of my account the day before the value of my portfolio was expecting a jump in value and will not allow me to log back in without this new seed phrase that they created saying that they don't have access and can't send it to me via email. They should not be allowed to not have a mechanism for restoring these passwords in this day and age especially one that they themselves created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
with the announcement of potential student loan forgiveness, i decided to request a refund like many others to have my balance re-instated so i could then apply for forgiveness. I originally called on XX/XX/XXXX and put in the request for a refund of {$10000.00} and even provided new banking infor for direct deposit since the payments that were made during the forebarence were from an old checking account. 

Absolute silence and no updates provided so i decided to call back XX/XX/XXXX and spoke with an XXXX XXXX at XXXXXXXX XXXX and there was no record of my refund request and had to submit a new one... i then called back at XXXX that same day since i had forgotten to provide my updated banking info. 

it's now been 3 weeks since the second request and almost XXXX since the original which there is no record of ... and absolutely XXXX update to my balance.. i am now getting worried with the higher volume of requests being made and the application for forgiveness being released this month. 

i've tried calling numerous times for an update and it is literally impossible to get through on the phone aidvantage should not be allowed to operate as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding the business Greentree Servicing. I have been trying to make my mortgage payment for the past two-three weeks. No one at the company is answering the phone/my calls and the company 's website wont take my payment online. I originally made a payment on XXXX XXXX and was told on XXXX XXXX that it did not go through. I called on XXXX and everyday since then to try making the payment again and have yet to reach someone with the company. The only contact number I can find in relation to payments is ( XXXX ) XXXX, and no one is answering. I do not know what else to do and its getting close to the end of the month. I do not want this to be reported on my credit when I actually do have the money to make the payment. Anything that you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: CA
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 paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I called XXXX at XXXX Apartments for the amount of {$2200.00} in debt on my credit. I asked for information on this debt, proof of notice being sent out to me for this debt against the fair housing act and I was told that this was sold over to a 3rd party. After many attempts to speak with someone, disputes this claim through XXXX XXXX I never received a call back from the property. I then received calls from a 3rd party vendor harrasing me to pay the full amount with credit card and it will then fall off my credit in a week. I called the apartment complex to inform them of the call I received and to verify who the account was sold over to and I was told thats not information they can provide. Please remove this off of my credit as my attempts to gather information, settle this disputes has went unrecognized and sold to different agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX years old without telling me how nor showing proof...

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 2015-09-24
Company: CURO Intermediate Holdings
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan. 

SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail stating that they are going to sue me if I do not contact their office and they will send a XXXX to my place of employment. When I contacted them they had all of my personal information but the wrong address. Their website is not valid and when I called the number the person did not answer with the companies name and their mailing address belongs to a XXXX store.

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