BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
ON XX/XX/2022 I SENT A LETTER TO EXPERIAN WITH THE TRACKING NUMBER XXXX RECEIVED ON XX/XX/2022 AND RECEIVED A SECOND LETTER ON XX/XX/2022 WITH THE TRACKING NUMBER XXXX. LISTED TO REMOVED THOSE CHARGE OFF OF MY CONSUMER REPORT. ACCORDING TO THE IRS A CANCEL DEBT MUST BE REPORTED TO THE IRS AND THE CONSUMER MUST SENT A FORM 1099-C TO THE CONSUMER. IRS DEFINES A A CANCEL DEBT AS A INCOME. AND A INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORT. 
HOWEVER YOU RECEIVED BOTH OF MY CERTIFIED LETTER AND SIGNED, YOU ARE STILL REPORTING IT TO MY CONSUMER REPORT, THIS CLEAR A VIOLATION AGAINST THE LAW. 

THIS IS HAVE HARM DAMAGED ME AND MY FAMILY. 

15 USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18 USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DELETE ACCOUNT THOSE ACCOUNT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FAILURE TO RESPOND TO THIS FACTORY WILL FORCED ME TO TAKE LEGAL ACTION.

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 2022-02-03
Company: EQUIFAX, 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 information incorrect

Complaint:
I sent dispute notices for multiple accounts to XXXX, equifax & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ALLY FINANCIAL INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ally Bank failed to pay by home owners insurance resulting in my policy cancelation. They claimed to have mailed a check on XX/XX/XXXX, for a bill due on XX/XX/XXXX. My home owner 's insurance never received the payment and I was called on XX/XX/XXXX, stating my policy was terminated for lack of payment. This has happened last year with my flood and home owners insurance. I was able to reinstate my policy by paying on my credit card, including fee 's. I called Ally Bank and asked that they cancel the check they sent to prevent double payment. They said they were sorry for the problem and were issuing a second check to my insurance company, which they said was their policy. I offered to send them a copy of my paid insurance and they would not stop the process. After questioning, they said they had already sent the second check ( mailed ) on XX/XX/XXXX, which also was not received by my insurance company. I asked for their manager to call me, so I can stop any additional payments and their manager stated the mistake was a result of a routing number error, which doesnt align with the previous statement that it was mailed. Routing numbers are not required if they are mailed. They said they will try a third and additional attempt until they can make the payment, in which case I will be out an additional {$2200.00}, as I already paid the policy. 
My Complaints are : 1. Ally Bank consistantly makes escrow payments late. I can only conclude this is part of their business plan to maximize their profits on escrow funds. Im sure there are many consumers facing the same problem. 
2. Ally Bank sent me an official statement claiming and subtracting insurance payment from my escrow account when they knew the payment was not paid. mailing the payment is not payment. This is fraud, and sending fraudulent claims via offical US Postal service. 
3. From a personal perspective, I've paid money into my escrow monthly, without delay, and had to pay my insurance out of pocket, with fee 's. I don't have an extra {$2200.00} laying around, and I have no pathway to getting it either refunded, or credited back to my escrow.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-08-23
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: GUARANTEED RATE INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Our lender Guarenteed Rate Affinity out of XXXX CT. They have been dishonest and deceitful during our home process. We were originally Supposed to close on XX/XX/XXXX and had to file an extension. Our lender communicated with our settlement attorney that they wanted to close within the first week of XXXX. It is now XX/XX/XXXX and we have been promised a clear to close at least 6 to 7 times by now. They keep promising us that were going to close but all we ever hear is that theres more issues and they want more things from us. The main issue was with my fiancs maternity leave pay. The underwriter is taking way to long and scrutinizing everything. I feel things have been disorganized. They have not given us a new closing date ever since the first one was missed. At this point we feel were forced to go through with everything because we risk losing our deposit {$5000.00}. We have expressed two very important dates since the beginning as we live in XXXX. And the house were trying to buy is in XXXX. My son technically start school this week but we have yet to know when we will get our house. Our lender keeps telling us that they have everything they need to then come back and tell us that they need more that the underwriter is scrutinizing everything. I do not feel we are being treated fairly. And when we ask for updates they are not getting back in a timely fashion and I feel that our time does not matter at this point to them. We are trying to apply for the XXXX  program which we were told we met and even paid off a good amount of debt to make sure we qualify to then be told that we may not qualify possibly. We are being given too much mixed information. This is caused our family stress, medical issues with myself, and we have missed work. We just want answers and help. Not sure where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: NV
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:
My car was in an accident in XX/XX/XXXX and I was not at fault. The tow yard which my car was taken to gave my insurance 30 days to take it out and instead US Bank took the car out after only 5 days without telling anyone and classified it on my credit report but not to anyone else as a repossession and a charge off even though I was making my payments until they closed my account in XX/XX/XXXX. After that I was unable to make payments on it until my insurance got ahold of the car and inspected it to get a value of the car. The problem was US Bank lost the car and it took my insurance a few months of tracking it down for them to find it. After they found it they put a price on it paid off the car and I had my remaining balance. I called US Bank to find out the balance and they told me to wait for their systems to update before I could pay the remaining balance. I called the next week same answer. I called a third and fourth time and they told me to wait until I received a letter in the mail telling me my remaining balance and how to pay it off. While waiting for the letter I received a delinquency hit on my credit report. I called again and they basically said its not their fault and not their problem and I finally got the letter and paid it off. I went to the XXXX credit bureaus to dispute because US Bank told me they would not fix my credit report themselves and my first report I received back from XXXX was that US Bank refused to take accountability and would not allow XXXX to make the changes to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: Avant Credit Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Rocket Mortgage, LLC
State: AZ
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:
Rocket Mortgage checked my credit when I was not even applying for a home loan with this company. I have requested it be removed from my credit bureaus but they refused. I see online complaint about this from others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.

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 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello I had submitted multiple request for validation on a XXXX XXXX account. Transunion and XXXX XXXX XXXX keeps say that validated my account without having my original contract on file. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2022-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/14 MD Homeowner 's Assistance Fund underwriting requested documentation from Select portfolio Servicing Inc regarding mortgage account ; XXXX ( XXXX est ) ltr from borrower updating SPS on XXXX  status and asking for a timeframe of when documents would be submitted to XXXX XXXX XXXX ( XXXX est ) duplicate payment canceled ; no mention of a demand notice until XXXX XXXX ( XXXX ) ltr demand notice generated in customer portal ; borrower was unable to access and expected such an important document to be sent certified ; XXXX ( XXXX est ) recorded call clarifying that a payment is still scheduled and asked why a demand notice was issued when customer thought SPS was waiting on funds from XXXX once they send necessary documents XXXX ltr uploaded to customer portal asking that it be sent to a specific address because of mail carrier issues or property address if it would be certified XXXX borrower tried to access " demand notice '' and was successful ; noticed the cure date was XXXX ( one for each address mentioned in letter )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
State: NY
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 has {$2800.00} of my money in their account. They have placed limitations on my account. I have clicked through the resolution center and complied with what they are asking for. I have tried to use their messaging system. It is a bot. I left messages for the company but have not received a reply. I have called and waited on hold in excess of 2 hours. No one answers. I want my account freed so that I can collect my money that they have held for a long time. I believe they are making this purposefully difficult and that they must have some responsibility to reply to a customer whos assets they have locked and are holding. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Synchrony Bank, I overpaid on the account and I am due a refund that is CLOSE TO {$2000.00}! I spoke with a supervisor three weeks ago to request a refund and it was NEVER PROCESSED! I tried a chat option today and was advised that I could have a check sent in two weeks. I would like to have the refund direct deposited into a bank account that I provide for them. I do not want a paper check sent regular mail! I need to speak with a bank supervisor and have some guarantee. They will allow me to pay my bill with my check account, so why can't they also send me a refund that way? 

Second problem : my overpayment was obviously a clerical issue, so why was I not contact immediately?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: CO
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 XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX  wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.

Company response to consumer: Closed with explanation