BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NM
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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX update my credit report and only report a correct, accurate, and true balance statement.

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 2018-08-04
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and Debt Recover Solutions LLC for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX of XXXX, through collection calls and XXXX mail , we became aware First Citizens Bank XXXX XXXX ) XXXX they had not received our Mortage payment, acct ending in ( XXXX ). We contacted XXXX bill pay and the check had went out more than XXXX days in advance of the XXXX of the month late date. In a panic, my wife sent another check. We continued to receive collection calls and XXXX continued to allege they had not received the subsequent checks. Long story short, we sent nearly XXXX in checks that were subsequently all found and cashed on the same day by XXXX paying our mortgage up months in advance and overdrawing our account. Our investigation through calls to XXXX employees revealed the checks had been " on a desk '' or " in a mailbox '' and not processed in accordance with policies. The employee apologized to us for the clear error on XXXX part. Fast forward to XXXX, when we are again due to resume payments, and it's happened again. More collection calls, letters, but this time on XXXX of our accounts ( XXXX ) and ( XXXX ). When I insisted with the collection agent that I was not going to do anything until XXXX, and the problem was with XXXX XXXX, the next business day, both payments were posted and back dated to XX/XX/XXXX indicating XXXX had received both of the payments on time and XXXX issued a reversal of fees and payment on its own, indicating again an error in processing in a timely manner. As of XX/XX/XXXX, my account reflects past due again, even though I know the payment was sent via my banks bill pay more than XXXX days ago. This happens month after month. The emotional distress this has caused me and my wife is great. The harassing collection calls and letters, when we know the payments are just sitting on someone's desk is maddening. This seems to be a repeated pattern of behavior culminating in needless stress and harassment of XXXX customers. XXXX has taken no action over XXXX months to resolve the issue of their systemic processing failures. XXXX continues to purposefully victimize its clients knowing the failures are their own and knowing clients have no recourse due to current mortgage rate environment. Thusly, customers are forced to suffer abusive collection practices, even though payments have been sent timely. I request an audit and investigation into the XXXX offices mortgage processing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I noticed that a payment was made from my escrow account to my flood insurance company. However, I had previously paid the premium since it was due while we were still going through the refinance process and I was concerned it could/would get lost in the bureaucracy and my insurance would lapse ( I live on the water in Florida so one can imagine how important it is to maintain flood and hurricane insurance ). I contacted the mortgage company and after some investigation they determined that On XXXX XX/XX/2020, they did in fact receive a return as overpayment the {$2500.00} and it was being processed. 
Move forward to my XXXX statement and no return of the funds to my escrow account. When I explained the situation, customer care sent me to the insurance side of the company since it dealt with insurance. Insurance said they can not see my account at the level needed and said I needed to speak to customer care. I informed them that it was customer care who sent me to insurance. The representative said not to mention the insurance aspect when discussing the escrow refund. Customer care ultimately sent me back to insurance. Tried as I XXXX, I just could not get my point across without giving the story some context that it dealt with an insurance payment. So, after two hours of discussion between the two offices, the line was severed or ... 
I have since sent two e-mails to them and received no response. I really do not know if this rises to level of a complaint but I am at my wits end concerning what I have available to get relief- other than some civil action requiring a lawyer and likely to cost more than my r efund. Bottom Line - my escrow is shy {$2500.00} And it appears my mortgage company - Mortgage Solutions Financial refuses to or is incapable of refunding the returned amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back. 

XXXX has allowed collection and inquiries to be place on my credit report violating the fair credit act. 

I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me! 
im also requesting removal of all hard inquiries not authorized by me! 

I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information. 

I am filing a complait to XXXX and each of these Collection Companies in question 1 ) XXXX-XXXX  Account XXXX Showing a balance of {$670.00} 2 ) XXXX  Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX  Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX Account XXXX Showing a balance of {$1400.00} 5 ) XXXX  Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX  3 XXXX XXXX XXXX 4 ) XXXX  XXXX  5 ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2023-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went to purchase a vehicle under the buy here pay here process with XXXX XXXX XXXX XXXX XXXX  car lot in XXXX Michigan. I put {$2600.00} down and was to pay a balance of {$1400.00}. 

I was fraudulently entered into a credit acceptance contract. 
I spoke with CAC supervisor and explained the situation. 

I never signed CAC financing documents, wise auto agent had someone else sign. 

I REQUESTED the original agreement from CAC AND was not provided with the original contract. 

CAC has been reporting to my credit report still unto this day XX/XX/XXXX. 
CAC has violated a number of my rights, called all kinds of nights, and weekends. 
I made a police report. 

The owner of the car company XXXX XXXX XXXX XXXX XXXX in XXXX MI, wrote a contract stating he would accept the balance of {$1400.00} within 6 months and cancel the contract but to no avail. 

I would like Monetary remedy for my damages, from CAC and 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 2023-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Credit reporting 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:
XXXX is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XX/XX/XXXX. Originally, it was reporting as being delinquent in XX/XX/XXXX. I disputed it and XXXX changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. 

However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AR
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:
About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my credit report is shown below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the provisions of the Fair Credit Reporting Act section 605b. I am requesting no other than the immediate deletion of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-09-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both Transunion and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.

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 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited $ XXXX with Citizens Bank to get access to better financing terms for my house. They will not let me withdraw the money without going into a branch, the closest of which is over XXXX hours away, despite repeated attempts to do so and no warning that this would be the case when I deposited the money. They told me I would be able to get an exception if I contacted the wire department, which then denied my request. I need access to this money and the bank is not being cooperative at all, telling me I will have to transfer it out over a period of months due to wire limit transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I receive emails almost every day from this company and they state that if I dont respond they are going to return it to the client who will forward it to a lawyer to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During this refinance process i have had poor service and communication with Quicken Loans/Rocket Mortgage. I have submitted questions to them and it has taken weeks to receive a response instead of their stated 4 hours. I explained on the app I could not view any action items for me. They said they were there and would re-push them. Days later I could still not see them and they said they were there. I can not complete what I can not see. Finally some random Quicken person called me to START a refi. Clearly I was in the middle of one so this solicitation caller transferred me to some one who could then email me the documents I needed to sign. Which I did manually. 

They say their pending items are HOA and second mortgage holder, both of which i have contacted and still to this day state they have not heard from them. Quicken has been delaying this process and they have not been proactive in following up. 

I just want my refi to be completed asap and now we are another month in so I will make my XXXX payment that I was not suppose to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My mortgage is due the XXXX of each month as usual. However, by the XXXX day I began receiving phone calls daily at work and on my cell phone concerning the " delinquent '' payment. The mortgage was paid by the XXXX and I asked them not to call me during the grace period. I was told there is no grace period as the loan is due on the XXXX of each month. I requested they did not call me repeatedly any more until the mortgage was assessed a late fee or actually reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These amounts should never have gone into collections as I am a XXXX XXXX   XXXX veteran. I notified original creditors of my two insurance carriers, Medicare and the Veterans Administration. Whatever co-payment that was left from Medicare should have been billed to the Veterans Administration.  The VA is ultimately responsible as I was taken to the closest hospitals for care from my XXXX XXXX rather than to VA hospital which was about 35 miles away

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