BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. Down below you will find a copy of all documents

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp XXXX id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before 2016 and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. Shiesty loan officers like XXXX XXXX XXXX XXXX id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued undre the rug due to XXXX XXXX 's seniority at the company. Later, XXXX took XXXX applications with client 's confidential information and solicited clietns that CashCall refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to fatten their pockets while costing XXXX XXXX and XXXX XXXX money , but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In response to the inadequate investigation conducted by TransUnion regarding CFPB complaint # XXXX, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681c, 15 USC 1681n, and 15 USC 1681a ( 3 ), mandates that credit reporting agencies must conduct a reasonable investigation within 30 days upon receiving a dispute. 

As of XX/XX/2023, TransUnion has not initiated nor completed the investigation, which is a clear violation of these statutes. The FCRA was enacted to promote accuracy, fairness, and privacy of information in the files of every credit reporting agency. By failing to conduct a timely and adequate investigation, TransUnion has not only violated the FCRA but also compromised my rights as a consumer. 

The attachment provided with my complaint outlines 35 different reasons why the disputed account should have been deleted over a year ago. Despite providing substantial evidence, TransUnion has failed to take appropriate action, further violating 15 USC 1681i, which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. 

Under 15 USC 1681n, consumers have the right to seek damages in court against anyone who knowingly and willfully violates the FCRA. Given that the disputed account has not been deleted over a year ago, despite substantial evidence supporting its deletion, it is evident that TransUnion has knowingly and willfully violated the FCRA. Therefore, I am entitled to monetary compensation for these violations. 

In conclusion, I urge TransUnion to comply with the FCRA by conducting a thorough and timely investigation into my dispute. Failure to do so not only violates federal law but also infringes upon my rights as a consumer. I also request that TransUnion consider the evidence provided in the attachment and take immediate action to delete the disputed account from my credit report. If TransUnion continues to disregard its obligations under the FCRA, I will have no choice but to seek legal remedies, including monetary compensation for the damages I have incurred due to these violations.

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 2022-07-26
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 status incorrect

Complaint:
XXXX DEPT OF SOCIAL SERVICE SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX  DEPT OF SOCIAL SERVICE SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this 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 2023-04-17
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2023, I notice several charges on my apple credit card from multiple venders that approximated a total of {$6000.00}. The first charge was on XX/XX/XXXX and the last was on XXXX XXXX. I submitted my first fraud report to Apple on XX/XX/XXXX, but they did not freeze my card. The charges continued until XXXX XXXX when I finally was able to get Apple to freeze my card. I submitted a fraud report for all the charges adding up to about {$6000.00} and after an initial investigation, Apple told me the charges were verified. When I went on some of the websites from the charges, many of them were from overseas stores and some I could not find at all. I submitted a dispute to Apple for all these charges again on XXXX XX/XX/2023. The dispute findings have not been finalized yet. I did my due diligence in informing Apple as soon as I saw the charges but because they did not take proper steps, there were additional charges made to the card. The credit card fraud I have experienced is very significant due to their lack of due diligence. The pattern of purchased made on my Apple Card is clearly a pattern of fraud. I have never purchased from any of those venders before, or made charges in that amount to any of my cards. I am requesting this issue be looked into as it has severe financial repercussions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not have a signed contract or any contract with Enhanced Recovery Company , LLC. I have never done business with this company. I am not responsible for this debt from Enhanced a Recovery Company, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never had an account with this lender. 
XXXX XXXXXXXX XXXX XXXX MASTERCARD {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$130.00}

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 2018-11-05
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been making payments on private student loans since XX/XX/XXXX on private student loans. The amount of payment has varied over the years. I was setup for auto payments that were taken right out of my bank account and each month for years I would get phone calls saying my loans were late. I would explain the same situation month after month ... .they are on auto pay..they are not late. Navient was not applying the payments correctly so late fees and interest were being applied. This went on for years. 

My mother is a co-signer on my privates. I applied this year ( XX/XX/XXXX ) to have her released and was denied. She is XXXX and on social security. Navient calls her because of my loans. This stresses her and I've asked them to stop. But of course she is a co-signer which is why I filled out paperwork to have her released. It was denied. 

My income has changed in XX/XX/XXXX and now I can no longer make the huge amount of monthly payments. I am starting to fall behind and the phone calls are starting. I have called ( XXXX, XXXX & XXXX ) several times to get the payments lowered. I'm told they can go any lower than the {$400.00}. I can not afford this amount. Navient said they is nothing I can do to lower my monthly payment. I have read about the lawsuits with Navient. I have had the same experiences with Navient dealing with my private student loans. I filed bankruptcy in XXXX and was told I could not discharge my private student loans. I am now reading that sometimes they can be discharged if I go before a judge. I was not told this and was not aware this was an option. 
I just need help to reduce my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is fraudulently reporting wrong balance on my car loan to all credit bureaus. They are repeatedly fraudulently doing this and harming my credit score. The balance is {$4900.00} and they are reporting that i owe {$8900.00}

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 explanation
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Once again I am filing a complaint on the way Chase has handled this dispute and siding with the XXXX XXXX which is ridiculous and doesn't make any sense at all and I am not even given a real reason why! Chase has ALL the information previously given and they continue to reference a letter I NEVER received on from XX/XX/XXXX that was already addressed with them! I received the wrong flooring, nothing like what I ordered as shown in the pictures, NOTHING to do with buyer 's remorse, the minute I saw the flooring it we tried to return the NEXT day! I purchased the flooring on XX/XX/XXXX and arrived approx 2 weeks later so that would have been earliest it could have even been seen, XX/XX/XXXX, until a product is seen how do we know it is right or wrong product, which it was wrong even if they say they ordered right number look at pictures it is NOT right! I have yet to hear a realistic response as to why they are siding with the Merchant, all they say 30 day return policy and we were not able to pick up product till they received on XXXX XXXX and when I saw was XX/XX/XXXX clearly within 30 days! Chase has NOT given me any clear reasoning for this so I will continue to fight this because it is WRONG, look at the pictures do they look like the same product!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I per the FCRA as a Federal protected consumer, am now Opting-Out of any and all authorization. I, the consumer now have given you written, unwritten, verbal and non-verbal instructions XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Capital one ending in XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Capital one Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX accounts XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX  XXXX, are all stated closed, which is now a certificate of indebtness and should be removed from all credit reports. 

The balances and payment history are inaccurate on the Capital One, XXXX XXXX  Please update me with results per your rules and regulations. 
Feel free to contact me with any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with Citizen Home Loans. One is paid from my XXXX XXXX XXXX Account to a loan secured by my primary residence in XXXX. The other is paid from XXXX XXXX to a loan secured by a second home in XXXX. For two months the servicer of the XXXX loan applied the payment to my XXXX loan. Therefore, 2 payments were applied to the XXXX loan for 2 consecutive months and I received late payment notices from Citizen Home Loans on the XXXX loan. Both times I called and they corrected the issue. 

HOWEVER ... they reported me as in default to the credit bureaus and my credit score has since dropped 91 points for two defaults. I have never had a default in my life and i have asked them to notify the credit bureaus multiple times by phone, email and now by letter ( sent fed ex ) and they have not. 

I need help forcing them to rectify the situation immediately, remove the two default notices and do what it takes to fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
OnXX/XX/XXXX, I sent ( Certified Mail ) Debt Validation letter to XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX asking for verification of the account listed on my credit report. As of today XX/XX/XXXX I have not heard anything from this collection agency.

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 2023-04-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 information incorrect

Complaint:
Looks like Carrington is going to ignore the laws of Texas, and rules set by the cfpb, in XXXX the account for XXXX XXXX XXXX XXXX by XXXX  XXXX XXXX because the 7 year 's to remove had passed, it was removed from all the credit reporting agencies, in XXXX the account was moved over to Carrington a debt collector, they started making up statements, that was false, first a lawyer sent me a letter to cure the account XXXX, then Carrington sends a statement in XX/XX/XXXX, for XXXX, in XX/XX/XXXX one for XXXX, then one in XXXX for XXXX, al these supposedly pass due amount s, now Carrington has put it back on my credit report, reporting like a new mortgage, they changed all the amounts, not reporting the last payment was XX/XX/XXXX, according to the fair credit reporting act, once a account is removed it can't be put back on, and changing all the information is illegal, and can file suit.also justice Dept ruled it illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

Company response to consumer: Closed with explanation