BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On loan # XXXX with Loandepot I was told I had a " locked in '' interest rate. After interest rates went up the company turned down my application. I have quite a bit of evidence proving my eligibility but the company has ignored all my calls emails etc. 


I have too many attachments to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Prosper Marketplace, Inc.
State: AL
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 and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a loan with Prosper. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to XXXX, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at XXXX   and Prosper that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Prosper is also still reporting the account, even though I sent them everything legally required to have this blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: OR
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:
In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXXXXXX  in XXXX It has been well over 5+ years since I had insurance via XXXX XXXXXXXX  and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint Overview : Not only did you promise an interest rate of 3.25 % instead of 3.75 %. You were late sending the necessary documents & so I was left with late payments. 

Detail : I disappointed how they managed my proposed FHA re-finance. they stated numerous times, I wouldn't pay in XXXX and XXXX, because of refinancing, just to find out I got a bill on XX/XX/XXXX for both XXXX and XXXX. Not only that but after speaking with your end numerous times to, XXXX XXXX, he kept advising me that my interest rate would be lowered to 3.25 % ( compared to 3.75 % ). Paperwork that needed to be signed on time never came in time which resulted in a late payment fee. Of course when I find out about these fees and an XXXX bill, there was nobody to speak with because they the documents which notary public brought me was on Friday evening and all documents were inaccurate ( wrong Rate and closing cost ) and NOBODY! During this time, I tried to reached out to them in numerous methods. Phone calls, emails. Nothing worked! so signing fell in Monday XXXX.and it was already to late. 

So here during a Pandemic, I was left with broken promises. A promise that I was going to have an interest of 3.25 % vs. 3.75 %, closing cost of less than than {$2000.00} a promise that I wouldn't have to pay XXXX mortgage but they broke every promised they had made. Ridiculous! The biggest hit of all, I can't refinance again, because FHA streamline require at least 6 months of good payments. Rates are lower than ever, but I am stuck, since Village Capital & Investments, messed up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Go Capital Holdings, LLC
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. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For several months now, I have been disputing XXXX XXXX XXXX XXXX for reporting my account 2x30 late. Every single response from Experian has been that it was verified. I finally disputed the erroneous information with the XXXX  and XXXX XXXX XXXX replied with that is was most definitely an error on their part. It is obvious to me, when you file a dispute with Experian, they do not investigate. Had they done an investigation they would have gotten the same results I did. I have loss opportunities due to their lack of keeping the information they report correct. This is against FCRA rules and regulations and Experian should be held to 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 2018-10-06
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Billed by second of two debt collection agencies retained by XXXX XXXX, XXXX. Membership was canceled with written notice via the terms specified by the club membership. XXXX XXXX XXXX  canceled billing agreement. XXXX XXXX continued to try and bill me after membership canceled. I owe nothing. They turned this matter over to a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: WI
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 and Equifax are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One put my card on restricted hold sometime in XXXX XXXX and deactivated after. 
I have been using the card since XXXX XXXX and I have earned, I believe, more than XXXX reward points which is approx {$500.00}. 

Capital One coded the issue as " fraud '' and I did not request the card to be deactivated since I am still using it. Due to fraud, they have requested multiple documents to verify my identity such as copy of driver 's license, social security card and proof of residence which I all submitted. 

I have been doing multiple follow-up and talking to several representatives almost every other day in XXXX and each one gives me a different answer on status of reactivation or card and points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a complaint with Chase Freedom credit card. I made a mistake with a payment I submitted on XX/XX/XXXX, and the payment was returned. As soon as I found out, I immediately called Chase to let them know. I called them to ask if the fees would be refunded since I was a long time customer and paid my balance each month. I haven't carried over a balance for a year or longer. I made another payment that was satisfied and clear my bank account. I noticed my available credit was a lessor amount. Today, XX/XX/XXXX, I called to inquire about the balance and payment. I saw the payment posted to my credit card, but was informed my payment was on hold. I continue to question why, if the payment posted to my transactions. I was informed my payment was on hold. The payment has posted to my checking account and to my credit card, but I can't use the payment I made on the credit card. I asked why, I was informed my payments would be on hold for four months because I had one returned payment. May I add, the fees were waived and credited back to my account. I was told the hold would be lifted after calling my bank to verify the payment, which I don't understand. They are holding funds they have posted to my checking account. I've checked my balance before submitting this complaint, but the payment hasn't posted to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, 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 non-monetary relief
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: WELLS FARGO & COMPANY
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:
This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apple Card has closed my account without any knowledge and without my permission without wanting to disclose any reason for closing my account. I have contacted Apple card and the agent has been unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried many time to resolve this problem with Select Portfolio Servicing. First off I can not seem to figure out if they are a collection agency or a Lender. They seem to pose as both. My issues with them date back almost XXXX or XXXX yrs, with faulty accounting and excessive fees. 

Recently I was offered a plan to catch up on my payments. I feel way behind while trying to work out a modification plan with them. They delayed this process extensively causing me to get to a point that I fell behind and could not catch up with the payments. The plan consists of 12 monthly payments of over XXXX with a balloon payment at the end of over XXXX. 

My question to them has been as always what exactly is the money going towards. With the monthly payments I need to know what is going towards principle, what is going towards fees and other excessive charges they have tacked onto my mortgage. 

They say the principle for the loan is {>= $1,000,000} yet on my lat statement they showed me owing {$270000.00}. Much of this excessive fees for things I do n't even know about and am not sure I should be paying. I need to know what is what so I know I am actually paying this down and not being taken for a ride. I 'm in deep enough and need to pay this off correctly. 

I request a full breakdown of all fees, changes for foreclosure processing fees and lawyer fees and whatever else was involved in the many time that have tried foreclosing on me for the wrong reasons. I need to know every financial aspect of this account and have a detailed accounting of everything. 

I have also many times requested a Principle Reduction from Select Portfolio. I feel I am the perfect candidate at this point for such a program. Yet they continuously deny my request even though they were given funding for such programs.

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