BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Purpose : Out of forbearance to refinance with lower rate to lower the payment My mortgage lender is Caliber Home Loans. I previously was enrolled in forbearance plan due to my family was impacted of XXXX. I stopped the payment since XX/XX/XXXX and resume the payment on XX/XX/XXXX. I made five satisfaction payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) which should qualify to refinance. 

After resuming the payment, I was enrolled with load modification to pay the due amount during the forbearance period. The loan modification rate is 3.0 % and I was working toward to the end to send back the document. During this time, I also seeking refinance as an option with XXXX XXXX XXXX  which offer 2.5 % rate and to the final stage. I intend to get out of forbearance to refinance with XXXX XXXXXXXX XXXX to lower interest rate to lower the monthly payment including the due amount in the forbearance period. The refinance underwriter have concern regarding to I am still under forbearance and have loan modification hence request the statement. In order to proceed further, I request the statement from my current mortgage lender ( Caliber Home Loan ) to provide that I am not in forbearance nor moving toward loan modification with them.

We had a discussion with the ( Caliber Home Loan ) manager XXXX ( not sure the spelling ) with agent number XXXX to request the requirement on XX/XX/XXXX or XX/XX/XXXX. I inform that I do NOT want to move forward with the loan modification but refinancing with due amount to pay off then move on. But the agent keep repeat that I would need to sign the loan modification or pay full amount to be released which seems misleading and limit my option. It was brought up that this would also report and hurt my credit for the past due hence I have to keep it ( loan modification ) for now to protect my credit score while we working through this process. 

For the current process that we will need to document be ready before XX/XX/XXXX to meet the deadline but this keep holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: NC
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 a victim of identity theft

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 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had a security system installed by XXXX. The System stopped working. When we got in contact with the company, they said they would send someone over. They never came. When I contacted them to cancel the service and get their security system from our residence, they instructed us that they will terminate the monthly service and we can keep the security system as we bought it. Therefore, we are disputing the charges. XXXX told us we did not owe anything. They were later bought out and now they are trying to collect a debt that we did not agree to with them. The system has been disabled for well over 13 years. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: Account information incorrect

Complaint:
I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.

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 2020-09-20
Company: ID Analytics, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: NY
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:
THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I want to file a complaint against XXXX, XXXX, and TransUnion. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXXL XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified 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 explanation
Consumer complaint received 2020-09-20
Company: GOLDMAN SACHS BANK USA
State: PA
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 noticed six separate charges for {$25.00} each on XX/XX/XXXX that were not initiated by me. I contacted both the card issuer and merchant later the same day to dispute those charges. The merchant marked the charges as fraudulent and the card issuer opened disputes on the six charges with provisional credits applied to offset the charges. 

On XX/XX/XXXX one of the six charges had the dispute resolved in my favor - a merchant credit was applied for {$25.00}, and a {$25.00} charge was applied to reverse the provisional adjustment. On XX/XX/XXXX a second {$25.00} charge was applied to reverse the provisional adjustment without any corresponding merchant credit. 

Meanwhile the five other disputes are still not resolved my the card issue and it has been more than 90 days since the disputes were opened. 

Since the XXXX double dip reversal charge I contacted the card issue twice - by chat and by phone. The representative I spoke with said the disputes would be resolved before the 90 day period from the opening of the disputes and that they would " escalate '' the second adjustment charge to some unnamed group that would follow up with me - it has been over two weeks and no word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Check was sent by my bank on to arrive XXXX like all previous payments. It was not applied to my account - after several calls to HMF, I made a payment online on XX/XX/XXXX so as not to be late and filed investigation with my bank. The bank investigated and found the check was deposited by Hyundai Motor Finance on XX/XX/XXXX. I called the Hyundai Motor Finance and they asked I fax a copy. I faxed a copy on XXXX and I have confirmation ( attached ) - I called on XX/XX/XXXX and they said they did not receive it. I talked with a manager that refused to give his name and disconnected and provided no help in resolving this

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 2021-10-06
Company: Sierra Credit Corp
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good morning, I've tried to contact HSBC Bank more than 12 times, my money has been blocked, my debit card, which I access online, everything is blocked, I have bills to pay today and XX/XX/XXXX, my rent, all my bills are overdue for cause of HSBC bank please I need urgent help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor nextep funding. In the amount of XXXX thousand dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Investigation took more than 30 days

Complaint:
US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed 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 explanation
Consumer complaint received 2021-11-02
Company: BHA Services
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
www.bhabillpay.com XXXX sent me a text trying to collect a debt from XXXX for a company called XXXX XXXX I was discharged of all debts under chapter XXXX on XX/XX/XXXX, when I explained this to the caller he began to argue with me that he needed my attorney and his phone number, I told him he was violating the federal bankruptcy laws by trying to collect a discharged debt, he kept asking for my attorney which is irrelevant considering my attorney is no longer under retainer. I ended the call as the gentleman who had a thick foreign accent was not listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: LendingPoint Holdings LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Lending point I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Franklin Mortgage started foreclosure on my property. Franklin Mortgage admitted fault per the attached exhibits. Franklin Mortgage and their foreclosure attorney from Utah, XXXX and XXXX, also stated that the delinquencies would be removed many months ago. 

This has gone on now for over 2 years and they negligently continue to negatively affect my credit and financial well being. 

The disregard for decency by this lender and lawyer is detrimental to their customers and unacceptable by any standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris an Harris debt collection recording. Phone number shows XXXX. Numerous calls during the day for months. I do not owe any one. Have no idea why their calling our number we have had for 37 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Information belongs to someone else

Complaint:
I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2019-11-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX   XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.

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