BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid per a judgment. The judgment does not ask for interest. It is specific and instructs me employer to collect. The judgment advises not to collect more than the amount shown. Kimball, Tirey is attempting to collect interest ont the debt and continues damage my credit and personal reputation. This debt does not qualify for interest according to FDCPA. Yet, they continue to attempt to collect it. They will not substantiate their position with written documentation. They will not discuss the debt on the telephone beyond demand for payment in full. Their reason given is " we don't have to ''. All of this and I did not owe the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I typically pay this company ( Selene Finance ) through their website -- In XXXX I was having an issue logging in to my account -- I tried everything including an attempt to reset my password -- for whatever reason even the security questions were not coming up correctly -- I instead went to my bank and paid the account through my bank site ( XXXX XXXX XXXX ) the debit came out of my account immediately so I show receipt of the payment being made and clearing my account on XX/XX/XXXX -- here is copy paste of the transaction from my XXXX acct XX/XX/XXXX Online Payment XXXX To selene finance XX/XX/XXXX Bill payment However, SELENE FINANCE did not post my payment until XX/XX/XXXX -- I did not discover this until making my next payment on their site and seeing a " late payment fee '' applied. I immediately called them and spoke to a supervisor who I explained the issue I had on their website the month prior and that I had receipt of payment clearing my account -- she advised that she would make an adjustment -- they have not made it as of this date - I tried to contact them through email again in XXXX and I did not get a response - instead I received a letter in the mail that " draft was applied '' -- I do not know what that means but the bottom line is the {$41.00} is still showing applied on my account. -- if I go to account info it shows " past due '' - not only are all payments made prior to XXXX of the month but XXXX is already paid here is that screen shot : Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AC ... XXXX ( Past Due ) Next Payment Amount and Date* {$1300.00} XXXX XX/XX/XXXX Past Due Amount {$1300.00} ( 7 Days Past Due ) * The amount and date are subject to change This bank is HORRIBLE to deal with on every level - their communication is awful given the day and age we live in of electronic effective communication -- I am a mortgage professional for many many years and own and have owned multiple properties and have never dealt with any servicer like this - their lack of customer service and attitude when you try to speak to them on the phone needs attention. We had an insurance claim last year and even dealing with disbursement holds was horrific -- This was the last straw I am very responsible consumer in making payments timely and insulted by this, especially to be told it would be taken care of and not - - I would not want my customers dealt with this way - thought you should be aware Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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 accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail. 
I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX  ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list. 
My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure. 

I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo. 

We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer. 

Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments. 

This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable. 

I appreciate you taking the time to investigate this! Please share your response. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim kf identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.

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 2022-05-02
Company: WELLS FARGO & COMPANY
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2019-09-02
Company: STATE FARM BANK, FSB
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my insurance months ago by sending written communication to State Farm ( both via their online messaging system and direct email ). This car insurance was as a result formally cancelled on XX/XX/2019. However, I have had payments paid beyond this date. I have asked State Farm to refund the extra payments, but they have failed to give me either a simple billing info or refund. 

State Farm should understand thy should respect customers time. I have received numerous phone calls during working hours from multiple people trying to market their service, while I clearly responded back to them that I have cancelled my service and am not inserted. Instead of addressing my request to refund, they keep providing vague responses which is clearly disrespectful to customer demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: AZ
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

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 2017-03-22
Company: American Credit Acceptance, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation