BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: KS
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:
I disagree with the information provided by Experian ( CFPB complaint ID No. XXXX ). The similar complaint with XXXX was handled differently. 
XXXX Complaint CFPB Id number is XXXX. XXXX deleted the information as it is inaccurate. The response by XXXX is given below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. 

FURTHERMORE, I REQUESTED EXPERIAN TO HAVE CURRENT AND CORRECT ADDRESS AND OTHER INFORMATION ONLY AS I AM AFRAID OF IDENTITY THEFT. HENCE, I REQUEST EXPERIAN TO HAVE ONLY MY AUTHORIZED ADDRESS FROM MY STATE ID AND ONLY RECENT PHONE NUMBER. I REQUEST THEM TO REMOVE ALL MY PREVIOUS UNNECESSARY INFORMATION TO PROTECT MY PERSONAL PRIVACY THROUGH APPLICABLE LAWS.

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 2016-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed hard inquiries on my Equifax credit report on XX/XX/2016. There are a total of XXXX inquiries on that report. They claimed in less than 24 hours that all of them were factual inquiries. I do n't believe that they are and have disputed them several times. Each time I have disputed they tell me within 24 hrs that they are factual. I do n't see how they can physically verify XXXX hard inquiries within a 24hr time frame. I believe that all of the Credit Bureaus, XXXX, Equifax and XXXX just say that they are factual so they do n't have to delete them. I have contacted all of the creditors that have placed the inquiries on my reports and all have said that I need to contact the Credit Bureaus to have them removed. Have done this to yet still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit 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 2016-08-03
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to explain to Equifax that there are several things listed on my report that are not mine. This is getting to be a huge hassle! Because of them I have to pay a higher interest rate because they refuse to investigate properly. There is no other credit reporting agency that is listing these mistakes that Equifax does. They could n't be validating with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: EQUIFAX, INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
This complaint stems from a dispute to a charge on my PayPal account. The primary reason use PayPal is for the protections I thought they provided. That and until very recently had no choice when using ebay although I still chose to use PayPal for the protection. I found myself in a bad situation where a seller on ebay sent a defective item and in the end, PayPal refused to provide the protection that they are compensated for. Processing companies make insane money for what are mostly automated transactions. They earn their money when consumers need protection and that includes against unreasonable policies where in this case, it ended up being PayPal 's policies and inability to apply common sense to the situation. After spending {$130.00} on the water heater which was defective upon arrival, the seller and PayPal found it reasonable that I would then be required to spend {$90.00} in return shipping since the seller was out of the country but yet chose to do biz in the US and knowingly is offering products where such issues will be inevitable from time to time ( no manufacturing process is perfect ). This is the perfect situation where consumers need the protection that a processing company should provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.

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 2016-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX, had a " system error '' and request that I contact XXXX with no other recourse. 
and Equifax simply refuse to use the information provided, despite my verifying them, requesting instead for me to send by mail ALL my personal details, this is the second year they have done this, I let it slide in XXXX, I will not let it slide in XXXX, I think they are a corrupt organization trying to get me to pay for the information that they are supposed to provide free. I am not asking for credit score, I am requesting a document that by LAW I must receive. please investigate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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 XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed.

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 2016-06-29
Company: Flagstar Bank, N.A.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.

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 2017-03-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car. 

On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home. 

For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance. 
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease. 

Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: Seterus, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Setursus mortgage lender took over my mortgage from XXXX XXXX XXXX and we have had problems with our payments going up because of our insurance, we purchased our own insurance where we have our car insurance, seturus was contacted from our agent and was told we will not be paying our insurance through them that it will be bank drafted through our personal banking account because my insurance agent and I had already had this taken care of, they were faxed the declaration by my agent and I also faxed it myself just to insure they received it. Seturus writes a check to my insurance company for a year payment over drafting my escrow account and still raising my payments after being told that we have our own house insurance.

Company response to consumer: Closed with explanation