BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a mortgage loan serviced by XXXX/Loancare. I am required to maintain an escrow account to pay for property taxes and homeowner 's insurance. The homeowner 's insurance is billed directly to XXXX/Loancare. When contacting XXXX/Loancare by phone, customer service agents claim that it was never received. Between multiple conversations with customer service agents, I have submitted the invoice electronically 4 separate times. Payment is due now and XXXX/Loancare claims that the invoice can not be paid until such time that there is an invoice to pay from. Please be clear that XXXX/Loancare has received this documentation 5 times during the past 6 weeks. This has happened in the past and XXXX/Loancare adds very expensive insurance to my mortgage claiming that I as the homeowner has allowed the insurance to lapse.

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 2021-09-15
Company: EQUIFAX, INC.
State: NJ
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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXXXXXX XXXX during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXXXXXX XXXX  during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 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 2019-05-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call XX/XX/XXXX from an unidentified person and the pronunciation on the company he was representing was unclear. The number for this company was XXXX ( XXXX ) XXXX-XXXX. The over simplified message on the answering machine was that I had two days to reply or they were taking me to court over a Cash Central loan from XXXX. I called them back the next day on XX/XX/XXXX and the gentleman that called from that number above claimed he was going to call my place of employment, they were going to file criminal charges for fraud due to the check being bad from XX/XX/XXXXand they were going to take me to court costing an excess of {$1000.00} in court fees if I didn't resolve this. I exclaimed that I recently paid this same debt from a different collection agency and I refuse to pay this again. I told him the name of the company, the reference number, the phone number and who I spoke with. He replied " okay, I will mark this as taken care of ''. Roughly 10 minutes pass and he calls again claiming he needs a letter of confirmation from the other company stating that I paid this and that he will be sending an email right after we speak. No email came. I called the next day and told him to figure it out and i'm not filling out his email information and that he has all the information he needs on where and whom I paid and to do the leg work himself, I also said take me to court if you want, how you used fear-mongering tactics is a complete violation of the Wisconsin State statues for collecting any debt, especially one I had already paid. I hung up. XX/XX/XXXX I receive an Email from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX-XXXX Ext. XXXX claiming I owe this same debt that was claimed I owed from the other number above. I sent an email of a confirmation letter that I received from the company I paid for this debt. The company I paid is XXXX XXXX XXXX  ( XXXX ) XXXX-XXXX  and the gentleman 's name that handled the debt was XXXX XXXX. Reference number for this case is XXXX. I also stated that I was contacting the XXXX but unfortunately none of the businesses in the email were on the XXXX. I sent the third and final email belittling the subject line grammar in the email and correcting it. " Also XXXX, from now on you should use spell check. Its confirmation not conformation you XXXX XXXX XXXX. I felt like disclosing every conversation for transparency reasons. 
Companies that are on this email are XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NY
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:
Social security number is XXXX My complaint is that equifax has not removed all the hard credit inquiries they were not authorized I filed a federal trade commission identity theft report listing all inquiries and also on my report there's one negative account that shows 90 days late its a fraud account XXXX please have equifax removed the one negative item and the hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

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 2023-04-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Three years ago I bought by FHA we gave 18 % of Dawn P.M. payment of {$240.00} I would like to eliminate that payment my house currently has another value because I did renovations I have contacted the Penny Mac company and they tell me no that I can not take it away unless I pay the house in full how can they help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX credit card with annual fee {$99.00} per year. I never used the card almost whole year. In XX/XX/2021 I received an email from them that {$99.00} annual fee is due. I called them to cancel the card and requested them to remove the fees. They cancelled the card. Next week I received the email that {$99.00} is due. I called them again. They told me that I was one day late and I have to pay {$99.00} and they will not remove this fees. I asked them why did not you told me when I called to cancel the card. There was no answer. I told them I will not pay {$99.00} when I am not using this card and card has been cancelled. 

Now I am receiving regular emails from them to pay {$99.00} for a card which is cancelled.

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 2023-04-12
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solutions contacted me on behalf of XXXX XXXX XXXX to collect a debt that I do not owe. 

I bought an item from XXXX XXXX in XXXX of XXXX. XXXX XXXX signed me up ( unbeknownst to me ) for some subscription plan that I was unaware of until XXXX of XXXX. I messaged XXXX XXXX  through email requesting to be removed from this. They agreed. I then contacted them two other times in XXXX and then again in XXXX because they had not canceled this. They still did not even though they said they would. So, I took action through XXXX ( who I used to pay for this ) and canceled that payment and refund me since XX/XX/XXXX ( even though really it shouldve been since XX/XX/XXXX but I hadnt caught it until XXXX so I didnt have much of a leg to stand on, other than the fact that I didnt sign up for this service that got me nothing. I never received product outside of the initial product either. XXXX resolved my issue by finding in my favor. XXXX XXXX then reached out to me several times pestering me with invoices for products never received. Then they sent me to collections and I received my first notice about a month ago. I disputed this with evidence from XXXX and emails from XXXX XXXX and myself and no action was taken. I have now called and told Radius Global Solutions to stop trying to collect on this debt and am now in fear they are going to unfairly report this nonsense charge to 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 explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: OH
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:
This XXXX XXXX credit card account has been reported to Equifax because it has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: VW Credit
State: NJ
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:
VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX I transferred {$300000.00} from my local bank, XXXX into my Capital One account. On the same day, the transfer was reversed. I called to see where the money was, as to date, XX/XX/XXXX, it has not gone back to XXXX. I have spoken to XXXX and they do not have a record of the money coming back to them and it is not in my account. Capital One shows the money coming in, and then going back out, but they do not know where the money is and are not able to trace it. I will attach the snip from my Capital One account showing the money coming in and going back out. 
I have called Capital One five times and gotten five different stories. They are telling me that it is a " known issue '' and on XX/XX/XXXX I was told that the " ACH '' department is looking into this. I was told, on one of my calls to Capital One, that the ACH department would return my call ( they have not ) and that the ACH department would post notes on my account as to what is happening ( they have not ). Today, XX/XX/XXXX, was told that I can now expect a call back from the ACH department ( again ). I called on XXXX, twice on XXXX, and spoke to two different people on XX/XX/XXXX. I also called today. I have tried to file a complaint with Capital One and was told that I would receive a call back in 21 days, and that I can not file a complaint with the office of the president unless I send a letter snail mail. I am at the end with this-not sure where to go. I am filing a complaint with the Office of the Comptroller and also with my congressman. The amount is {$300000.00}, so a lot of money and my retirement. They have lost it, I am not getting interest, and I need the money. It is rightfully my money, and the must account for it. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: DE
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:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 items ( A ). It is not permissible to fail to validate these reporting items 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 correcteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: GA
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:
I received a phone call concerning my Synchrony Bank XXXX XXXX Visa Card, I received a phone call from XXXX, XXXX - XXXX. Synchrony bank called me stating there was a credit balance showing an excess of {$1.00}. There is a billing error, any error is defined as a billing error. There is a misrepresentation of character amount showing {$1600.00}, i need documentary evidence on how this extension of credit was made. 

This is a notice of Billing error, i need documentary evidence personal goods were delivered.

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