BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: FC HoldCo LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.

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 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
My credit report has derogatory trade lines that are over 10 years old not in compliance with the FDCPA & XXXX. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : 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 2021-09-05
Company: EQUIFAX, INC.
State: FL
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:
Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have two jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have XXXX jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: MI
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 recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from JPMCB that I did not pursue. Please remove inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Nelson Cruz & Associates LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NELSON CRUZ & ASSOCIATE at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of $ XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a VA Loan modification per COVID-19 Home Retention Waterfall and COVID-19 Refund Modification.

The VA assisted me with securing a loan modification after a year long battle during the COVID-19 forebearance process. Mr. Cooper failed to acknowledge the receipt of the required forbearance information, even though I submitted it to them ( timely ) on three to four separate occasions.

My loan modification was approved and I closed with Mr Cooper 's assigned mobile notary closer in May. The first payment was set for XX/XX/XXXX. Mr. Cooper 's closer submitted the signed documents. In XXXX, Mr. Cooper called demanding {$800.00} for a trial period ( not required per VA ). When I informed Mr. Cooper that I had an approved loan modification in place, I was told there was no record although a previous representative had informed me otherwise. 

I received a second set of loan modification documents with a new payment start date. I arranged a second mobile closing with the same Mr. Cooper notary for XX/XX/XXXX. The documents were signed and returned to Mr. Cooper via XXXX. The first mortgage payment date was XX/XX/XXXX. We paid our mortgage as agreed on XXXX and again on XXXX. However, Mr. Cooper has not posted payment after cashing the check. Mr. Cooper continues to send me notices demanding over {$15000.00} in default payments. I have come home twice in XXXX to find demand notices taped to my front door ( publicly embarrassing ). 

I am receiving calls from Mr. Cooper several times a week demanding {$800.00} for a trial period. Mr. Cooper representatives claim that no record of the loan modification is showing. Some representatives seek {$800.00} and others erroneously demand {$15000.00} or they are going to default my mortgage and report to the credit bureaus. 

I believe Mr. Cooper is aggressively moving forward with a discriminatory foreclosure process. I have been devastated by this ordeal. Due to COVID-19 we needed a forbearance for just a couple of months. But due to Mr. Cooper 's questionable tactics and potentially discriminatory practices, this process has taken more than a year. I am an XXXX XXXX veteran dealing with a VA mortgage loan modification nightmare during the COVID-19 emergency period. Please protect this consumer 's rights. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was notified that the promotional offer was about to expire on my Care Credit Synchrony Bank Account, so I increased payment from {$600.00} to {$900.00} in XXXX to cover the amount. The company then stated they charged interest on a second promotional offer on the same card that I was not aware of. The customer service representative stated that they had split the payment instead of applying it to the expiring offer. The supervisor then gave an entirely different explanation saying that there were 3 different offers and stated that there was a grace period, but it had also expired. I was not notified about this either and was charged over {$1000.00} in interest fees. What I have available on promotional offers is a screen that says " differed no interest if paid in full by XX/XX/2022 ''. This screen does not show any other offers. Charging interest is deceptive business practice. In addition, I was charged interest on the entire balance which isn't supposed to be due until XX/XX/2022. I have attached a screenshot to show the only promotional offer I can see on the promotional offer screen. 

If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. 
DEFERRED/NO INT IF PD IN FULL {$7600.00} Balance XX/XX/2022 Expiration Date

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to file a complaint against [ Transunion & XXXX  ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ Transunion & XXXX  ] to date.

I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX/XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX  XXXX XXXX  XXXX. 
Account Number : 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 2021-12-06
Company: EQUIFAX, INC.
State: MD
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX a Consumer and Natural person, I am filing this compliant with no third party involved. Allied Collection Services has not responded within the length of days given after speaking with me concerning an alleged debt that have placed on my consumer report. Affidavit of fact was sent on XXXX XXXX Allied Collection Services signed the certified green return signature Postal receipt that they received it XX/XX/2021, today is XXXX XXXX and no correspondence or verification from Allied Collection Services. This has caused me a lot of traumatic stress, and also defamation of my character XXXXThis is a violation of my consumer rights, Also a violation Rights to Privacy. Please see attached files.

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 2021-12-06
Company: LoanCare, LLC
State: ID
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:
Under the Presidential Covid Relief Act, homeowners that needed to go on mortgage forbearance could do so with no negative impact to their credit. I was told that I was in good standing to go on the program and could still make whatever payments I could while on the program to help buffer the end cost. After trying to refinance I see that they reported me 30 days late for 15 consecutive months. I have filed disputes with the credit bureau three times and file a official complaint with LoanCare. Due to this huge negligent error I am unable to refinance as it trashed my credit, and now I am looking at my children and I losing our home because I ahve to refinacne and get my ex husband off my loan. Lastly he is also suing me for his credit being damaged due to this error. After numerous attempts to get this corrected nothing has been fixed.

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 2021-09-05
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Stern Recovery services placed a collection on my credit reports for XXXX XXXXXXXX XXXX XXXX XXXX. I e received no correspondence from the collection agency which is required by the FCRA. They performed an illegal act and placed this collection without verification. They have violated contract law and are committing extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/21 this letter found me from receivable performance management stating I owe them money yet we have no contract together and I never gave them permission title 15 to contact me.

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 2022-08-13
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a letter registered mail to Specialized Loan Servicing LLC stating I would like to end the collection of my escrow account on my mortgage note. As of this date I have received no correspondence from them that they received my letter or acknowledgement that Specialized Loan Servicing LLC has ceased to collect for escrow. 
This is unacceptable behavior. Specialized Loan Servicing LLC has ignored all my presentments starting XX/XX/XXXX in which there have been 7 of them sent registered mail and addressed Attention XXXX XXXX. This includes Notice of Acceptance of Credit Issued and Discharge of Debt, dated XX/XX/XXXX ; Notice of Opportunity to Cure, dated XX/XX/XXXX ; Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Request for Validation of Debt, dated XX/XX/XXXX ; Second Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Fault and Opportunity to Cure, dated XX/XX/XXXX ; and Notice of Credit to Cure, dated XX/XX/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 2018-01-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a car loan through XXXX XXXX XXXX which was acquired by Huntington National Bank, based out of XXXX, Ohio. I paid my SUV off on time on XX/XX/XXXX with no late payments for the life of the loan ( began in XX/XX/XXXX ). 

They still have not sent me my title and I have contacted them over 5 times about this issue. They keep saying it will be sent but when I call to ask if it 's on its way it 's always still " in process ''. 

I finally asked for a tracking number in XX/XX/XXXX for the title so I would know if it was on its way and they created a fake one that says " label created but not in the system ''. It 's XX/XX/XXXX now and still nothing. The loan ended almost 12 months ago and I would like to sell the vehicle but I need my title! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
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:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX  Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

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 2018-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.

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