BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per previous CFPB complaint number XXXX, Fay Servicing finally acknowledged the ( 2 ) consecutive six-month Pandemic Forbearances granted to me by the prior servicer, XXXX XXXX. The duration of these started XXXX - XXXX and then the second one from XXXX - XXXX. These were already approved and in place when my account transferred to Fay Servicing XXXX. Fay Servicing has since removed my account from these, changed my account terms and falsely stated that I applied for a Trial Plan with them with a new payment amount. I have never applied for anything with Fay Servicing or requested to change my account payment terms, this is bogus. Now I know that when the Pandemic Forbearance expires XXXX, all payments not made are due. That is why I started to send in payments to them now so that the amount due XXXX, will be reduced. On XXXX. I tried to send Fay Servicing one month 's payment via XXXX and was told that the payment would not process because the account number did not exist. I requested the clerk to try again and again, same results. I tried to make a payment over the phone and was not able to. So, I mailed a payment in via USPS certified mail and it was returned. The letter dated XXXX from their Payment Processing Department, stated my payment was being returned because " Your account is in active pre foreclosure or foreclosure status. We are unable to accept anything less than the full amount due. '' Meanwhile they are charging me interest and fees while no payment is due at this time because I am in the Pandemic Forbearance until XXXX. The prior servicer allowed payments that were of course, optional during the Pandemic Forbearance and was very helpful during this national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Last fall, we purchased a XXXX XXXX XXXX from XXXX   XXXX, XXXX, AL, financing it through Bank of America ( BOA ). Later that fall, we secured financing through XXXX XXXX XXXX and they paid off our BOA car loan. I received a letter from BOA dated XX/XX/XXXX verifying that the loan had been paid " in full as of XX/XX/XXXX ''. The letter also suggested I contact the dealer if I bought optional insurance or ancillary products. I had purchased " gap coverage '' from them, to cover any gap between the value of the XXXX and the amount of the loan, in the event of accident, etc. 
I went to the dealership, confirmed that this was indeed the case and requested a refund. This was in early XX/XX/XXXX. They told me they would be sending the refund to BOA, since that was the last loan holder in their records, and they directed me to contact BOA, later. On XX/XX/XXXX, I contacted BOA ( " XXXX '' ). They had no record of a payment. I went to the dealership and secured proof the check was written XX/XX/XXXX and cashed by BOA on XX/XX/XXXX. On XX/XX/XXXX, I called BOA ( " XXXX '' ) and informed them of this. They still had no record but agreed to research it. I subsequently received a letter ( no letterhead ) stating a payment of {$750.00}, was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I called BOA and eventually spoke with a supervisor, " XXXX '', who also denied record of payment. I returned to the dealership and, at XXXX 's direction, had them email to the given email address a copy of the canceled check. On XX/XX/XXXX, I called BOA ( " XXXX '' in XXXX 's absence ), and she had no record and could not access XXXX 's work. On XX/XX/XXXX, I called BOA, this time being handed off to " XXXX '', who also had no record of any of this and tried to persuade me that they were owed the refund and had already credited my account for {$750.00}, back in XX/XX/XXXX, and the check for {$740.00}, sent by the dealership was simply covering that credit they had made. I asked for the address at BOA for me to file a complaint, and he eventually gave it to me ( after the third request ).

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 2018-11-29
Company: Healthcare Collections-I, LLC
State: AZ
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:
What happened? 
XXXX  has been non-compliant with removing the unverified account HEALTHCARE COLLECTIONS-I , LLC Date opened XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that HEALTHCARE COLLECTIONS-I , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-02-11
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 have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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.

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 2022-02-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.

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 2017-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: HI
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:
Someone used my information to obtain a credit card account that I was not aware of. I did not apply for a XXXX XXXX card. Someone must have used my name to get it. I am from XXXX Hawaii and all these transactions are from different states. 
For example : XXXX XXXX XXXX IN. {$50.00} XXXX XXXX. XXXX, IN. {$32.00} XXXX XXXX, XXXX {$12.00} XXXX XXXX, PA. {$20.00} XXXX XXXX XXXX, PA {$10.00} XXXX XXXX XXXX, PA. {$23.00} XXXXXXXX XXXX IL. {$8.00} XXXX XXXX. {$20.00} XXXX XXXX. {$33.00} XXXX. XXXX, TX. {$28.00} This is just a few of them, there is more. This is not my credit card. 

Total owes from Midland Credit Management is {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CL Holdings LLC
State: FL
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. 

Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX AXXXX XXXX  ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
TD Bank hired a lawyer to garnish {$2800.00} on XX/XX/2022 from my XXXX XXXX  where no funds were available. Now over drafts are generating from a negative account. I had absolutely no communication with TD Bank and their lawyers. I was not informed of a lawsuit against me nor was served with any court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX i was contacted by XXXX XXXX XXXX XXXX. This company is reporting erroneously about two accounts i had with Credit Control after being settled and after having acknowledged and sent confirmation of said settlement. One debt was settled on XX/XX/XXXX and the other was settled XX/XX/XXXX. I received two statements that reflected that the both accounts were settled in full.

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 2023-02-25
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since last year, I have been trying to get the PMI removed from our loan. This was in process when we got switched to a new servicer, Freedom Mortgage. We made additional principal payments to bring our balance down to approximately 79 % of the original purchase price and sent multiple messages to Freedom Mortgage requesting in writing that the PMI be removed as required by the Homeowners Protection Act. They replied that we would still need a Brokers price option per investor guidelines and sent us a letter instructing us to pay {$100.00} to remove the PMI. This is despite the fact that home values in our neighborhood have risen considerably and our loan amount is less than 80 % of the original purchase price.

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 2019-03-06
Company: MODERN FINANCE COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has been negligent regarding errors on my credit report. All of the information, except my name is wrong. I've contacted them numerous times to fix this issue. I even sent them, via Certified Mail, proof of my identity, but I'm not seeing any progress. 

My husband and I are trying to get pre-approved for a mortgage and Experian is holding everything up. I have no idea who is supposed to be fixing my credit report because this is negatively affecting my whole life. 

There are many errors in my report. One of them is for a car that I do NOT own, some credit cards, a personal loan, and more. I know that I wasn't supposed to record our calls, but I did because they treat me like I'm crazy. I will take this complaint as far as I can because I shouldn't have to deal with their incompetence.

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 2019-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been going through financial hardship and have been in contact with my creditors. I have requested payment assistance, ergo a forebearance and Capitol One will not work with me. I have explained the details of my hardship to multiple phone agents and I have been advised that if my account were to grow further delinquent they may have assistance options, but at that time my account was already 60-90 days delinquent. It seems that the company is encouraging account delinquency before payment assistance/relief will be provided, and therefore negatively impact the customers credit score. I was offered a late fee waiver program where I could pay at any time without the fees but they will still report to the Credit bureau the number of days delinquent, and not that I was in any relief program. After growing further delinquent as I was advised I was initially denied a review for a forebearance, and then upon a 2nd request I was told that I did not qualify for a forebearance in spite of the account being further delinquent. I was told the only relief they will offer me is the late fee waiver program and that they are considering closing my line of credit. I answered their calls, kept them informed of my finances, grew further delinquent as I had been advised to by multiple phone agents, and still no assistance! Now that I'm calling to get pay off information I am not able to get any  information on my account through the automated system, I have to wait another day to talk to a phone agent. I'm sorry, but if they were not willing to assist me, why would I want any phone agent to receive credit for me paying off the balance or bringing the balance down? No matter the level of delinquency on my account, I should have the same rights to access my account as someone who is current on their account! As a creditor they should be willing to work with customers who are trying to resolve their debt and not encouraging customers to grow further delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21

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 2019-03-27
Company: Diversified Consultants, 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:
DIVERSIFIED CONSULTANTS ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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:
XXXX XXXX ARE REPORTING AN UNPAID XXXX XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT 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 non-monetary relief
Consumer complaint received 2019-03-03
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I was an authorized user on my brother Capital One Savor credit card account. I was given my own card in my name and I made purchases in XX/XX/2018. I also paid the bill 30 days later when it was due, XX/XX/18. 

Later, my relationship with my brother became strained in XX/XX/2018 with him stalking me and my family and sending us derogatory messages. He also called and reported my purchases as fraud. Now one of my purchases, particularly XXXX want their money again and I already paid them. XXXX also have denied me access to pay with any card because of the returned payments. Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation