BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Flagstar Bank in XXXX has become the custodian of my mortgage after they took of the XXXX XXXX XXXX. I applied for a HELOC to use in purchasing a second home and the loan servicer was XXXX XXXX basedin XXXX and XXXX XXXX communicated with me. They first told they could approve me for {$26000.00} and then after the appraisal they ordered returned, they only said they could offer {$11000.00}. The appraisal was not consummate but I was willing to accept the amount to utilize toward the purchase. They did not communicate with me about closing out the {$26000.00} loan and having to do a totally separate loan for {$11000.00} until I looked in and saw no trace of the loan application one day and reached out and asked what happened and then I received a message saying there was " no progress '' on the loan application. I often, throughout the process, would receive mailing from them and e-mail messages that wouldn't align with the additional documentation they necessitated. The e-mails was say they had everything they needed and then the mailing would say they needed copies of this and copies of that, all of which I would provide for supporting documentation. All of this two days ago after being told I was approved for the loan for {$11000.00} I looked into the account to check on the application status and there was no trace of the loan application or anything as if this who 5 month process never existed. They have my information and then my application and all of the communication just vanishes, and that is very perturbing to me. I do not know how they operate, but it is certainly a very clandestine process.

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 2019-05-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was placed for collection on XX/XX/17 by midland funding llc. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Source Receivables Management LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I open up a cell phone account over the phone with XXXX which I got 4 phones from when I opened this account I was told once my contract is over I will own the phones free and clear. Thats not what happened after paying my bill on time every month until the contract was over I was under the impression the phones was mines it wasnt until around XX/XX/XXXX when I realized they was saying I owed them for the phones that I paid for over 2 years on time in full. I called XXXX so they can pull up the recording of what I was told that day they said they couldnt unless they the phone Is number which I dont have the phones anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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 have been contacting Experian regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for XXXX  to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.

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 2023-03-20
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Last 4 of SSNXXXX RE : XXXX XXXX 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.

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 2021-09-16
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:
AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: MoneyLion Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Someone has used my email address to open an account with Moneylion. They used my first name and a different last name to create the profile and verified a phone number that is not mine for the account. I was able to log in via forgotten password and changed the password, but I want to delete the account. There is no option to do this on the Moneylion site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
Unrecognized inquiries

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 2022-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the 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 2023-02-10
Company: EQUIFAX, 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: Account information incorrect

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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In early XXXX I opened a Citi Checking and Savings account under their offer similar to the one seen here. ( The offer dates are different in the page below but the terms are the same ) https : //banking.citi.com/cbol/checking-400/default.htm? BT_TX=1 & ProspectID=F216997A8DDF4A5F8855F94BE805F736 The offer was as follows. 

Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$400.00} bonus will be deposited to your account within 90 calendar days! 

I met all of the above well within the 30 days of account opening. I have waited over 90 days for the {$400.00} bonus as well as attempted to contact Citibank to resolve the issue. No one responded to my attempts to contact so I am filing this complaint. It is my understanding that many others who opened accounts for this same bonus are having similar problems.

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: NCB Management Services Inc.
State: NY
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:
In accordance with the fair credit reporting act XXXX act # XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B states that a creditor can not treat a payment under a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Response to Capital One Bank Credit Card XXXX XXXX XXXX XXXX SS XXXX - XX/XX/XXXX Card ending in XXXX- 2 charges - Case Number XXXX Dated XX/XX/XXXX - and XXXX dated XX/XX/XXXX - The attachments enclosed are copies of numbers - NO signatures - or any proof I extended my stay at the stated hotel- After staying there from XX/XX/XXXX to XX/XX/XXXX The Manager that I dealt with was XXXX XXXX . She was the original manager that made the rate of XXXX XXXX per day. When this hotel sold in XXXX to the XXXX -The manager was changed to a man named XXXX - No one will give me his last name - Thus I have contacted the XXXX XXXX XXXX and filed Credit Card Abuse/Fraud - Police report number XXXX - The copies of the bills are not signed or initialed and what was provided were blank copies and NOT my signature - See my driver 's License signature. 
I have given XXXX XXXX, XXXX Tx Attorney permission to sue all parties involved in this fraud - Capital One advertises 100 % FRAUD PROTECTION- I have 5 accounts with Capital One and surprised I am having to take the steps to protect me from financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Reporting company used your report improperly

Complaint:
Recent credit report ( paid for by me ) rec 'd from XXXX  on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES , are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our rental home is 45 days from going into foreclosure. Weve been battling a company called SLS. Llc ( specialized loan servicing ) for years, since XXXX. At the beginning they pretended to be a legitimate company ( after XXXX XXXX XXXXXXXX sold to them ), with a special program designed to modify our mortgage interest from variable X % percent we were paying to a more reasonable rate, ( in our case a fixed rate at X % ), which we agreed to, and signed papers ). The whole process was part of a scam to string along the homeowners, as long as possible, so as to be able to mount up tremendous charges to the underlying mortgage holder, that sls was supposed to be servicing the loan for. They did this by telling us the exact amount of the new payments and interest, and then they would send more paper work as if the payment wee were sending was never enough and we should refi again! Meanwhile we had the payments on auto pay so as not to. miss a payment. The result is that the our credit is damaged by the predatory lending of SLS, who BTW stopped accepting our $ XXXX/month payments and made us loo like we were delinquent. At first, we thought it was just us, but we went on line and found that this was part of a system wide scam as we read what other people had to say it was the exact same story as ours. Even though we have letters documenting these events ive come to believe theres nothing we can do to change the outcome and we are really getting tired of fighting these people. We have a savings account with the $ XXXX  month payment which equals what SLS CLAIMS we are PAST DUE for sitting and waiting to be paid. These people need to be out of business and should be made to remove ALL derogatory reports on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY THESE ARE THE FOLLOWING ITEMS THAT IS ON MY CREDIT WITH THIS COMPANY. 
XXXX XXXX / XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX /XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: OK
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 submitted several complaints via CFPB about XXXX, XXXX and Equifax. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive tried to get verification from this company numerous times with no response. Went to their website to enter in my SS # to verify and it comes up as invalid ss #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: KP ASSET CONSULTING LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving threatening phone calls from a, Vocation Specialist, XXXX XXXX that was intended for my ex-sister-in-law, with whom I haven't spoken to in a long time, on XX/XX/XXXX, XXXX and XXXX. My voicemail clearly states my name and it isn't remotely close to my ex sister-in-law 's, we don't even have the same last name. I find it very disturbing that this company has my phone number and is calling me over and over knowing that I am not who they are trying to reach. I called the phone number that was left on my voicemail and it is for a company called KP Asset Consulting and I spoke to XXXX XXXX and she informed me that I was in my ex-sister-in-law 's folder as a potential family member or someone who might know her. I asked XXXX how she got my phone number since I know my ex-sister-in-law didn't give it to them and she stated she didn't know because her company only handles the paperwork. XXXX informed me that she would take my name off my ex-sister-in-law 's file and would inform whoever is in power that XXXX XXXX, whom I found out from XXXX is with a company called XXXX XXXX XXXX, was making threatening phone calls. I also informed her that XXXX XXXX calling me was illegal and that they could be sued and she again reiterated that they only handle the paperwork on her end and I asked her if that was the case why was their number given out instead of XXXX XXXX 's and she said it was because Vocation Specialist can't give out their personal information. I find it very interesting that they can call me regarding what should be a private issue between my ex-sister-in-law and them but they can't give our their private numbers. These companies have put me in a awkward position because I had to call me ex-sister-in-law about something that she probably finds embarrassing and which is frankly none of my business.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX - I was charged interest fees ( {$6.00} ), XX/XX/XXXX - I was charged {$5.00}, and again XX/XX/XXXX I was charged {$4.00}. Back in XXXX or XXXX my bank account that I use to make payments on this account was compromised. Someone had called the bank, with ALL of my information, claiming to be on the account. The bank then contacted me to ask if I added anyone on the account, I said no so they closed this account immediately locking all the funds I had. Then, once I went down to the branch I go a new bank account opened with a new account number. I contacted Capital One letting them know why I was unable to make a payment. When speaking with an employee, I received incorrect information regarding interest charges, I had always paid my balance in full, so when she said I only need to make the minimum payment on my account to avoid any fees, including interest. This is when I stopped making the full payment and made only the minimum payment. Now, I called on XX/XX/XXXX because I wanted my account closed and paid in full. The representative did not give me an option to do this and I was charged a late fee of {$25.00} for XXXX. The employee also sent out another card when I requested that I want this account closed forever.

Company response to consumer: Closed with monetary relief