BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00} XXXX XXXX  XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
This is a dispute from XXXX XXXX against Barclay's for Barclay's refusal to assist in the fraudulent purchases on Ms. XXXX account and Barclay's non-response to Ms. XXXX  request for documentation on the account.Ms. XXXX  has no record of opening an account or being in possession of this account before charges were made by claimed authorized user, XXXX XXXX. She did not make payments towards the account or hold any documents towards the account. Once notified of the accounts existence, she promptly filed a police report and a fraud dispute with Barclay's. This dispute was denied. Ms. XXXX sent a request for documentation on the account on XX/XX/18 requesting any documentation that would show that she was notified of the account, including billing statements, payment records, how the account was opened, etc. It has been over 30 days, and Barclay's has not responded to this request. Creditor's failure to respond to a consumer's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2018-03-25
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
On XX/XX/2018, XXXX XXXX XXXX XXXX pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX of XXXX my loan servicer was XXXX at the time. I was going through some financial issues related to Hurricane Harvey and was nearing the threat of foreclosure. To stop this from happening I applied for loss mitigation in XXXX of XXXX. By the time the possible foreclosure date got around I had not been approved for loss mitigation yet. This resulted in having to come up with {$23000.00} to send into XXXX XXXX hired law firm, XXXX, via cashiers check to keep the house from foreclosing on XX/XX/XXXX. Conveniently on XX/XX/XXXX XXXX approved me for loss mitigation and I went ahead with signing the loss mitigation paperwork. I notified the law firm, XXXX, to not cash the cashiers check that was sent to them as they no longer needed those funds to come current. I went back and forth with XXXX  for about a month and finally they notified me that XXXX requested that they send the check to them directly. XXXX ended up cashing this check on XX/XX/XXXX in which I confirmed with XXXX  XXXX XXXX that is was officially XXXX  who did cash the check. With this being done, there was no reason to keep the lien on my home from HUD. Nor was this additional {$23000.00} reflected on anything. My loan was then transferred to Dovenmuehle on XX/XX/XXXX. 

Come present day, I am in the process of trying to sell my home and the only item keeping this from happening is the XXXX that was wrongly put on the house by XXXX  or XXXX  knowingly cashed a check that should have not been cashed. After dealing with XXXX for over a month they notified me on XX/XX/XXXX that I have to get this lien removed by Dovenmuehle. Why this was not said to me We have even reached out to XXXX  and they informed us that " Dovenmuehle recorded the mortgage in HUD 's name but they haven't filed a partial claim with HUD yet. '' I reached out to Douvenmuehle whom is my current lender to seek immediate help and was given the same routine as XXXX gave me. Basically fax all information to their research department and I would hear back in 48 hours. Mind you, the overwhelming amount of evidence and documentation that has been sent to both lenders should make this a very easy process. I called today, XX/XX/XXXX, because I had not heard anything back and was told that I had to wait 72 hours before getting a response. I am at a point to where I am threatening legal action and the representative said they would escalate to a manager in hopes that I hear back soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EdFinancial Account number XXXX has been paid off since XX/XX/2020. They are in VIOLATION as the  balance has yet to be updated on my credit report. They are still reporting a balance of {$550.00} as of my report pulled on XX/XX/2020. This account reporting on my credit is preventing me from getting the credit rating I deserve. I DEMAND that this account be DELETED right away. I am attaching my bank statement, confirmation letter that the account was settled and copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Ad Astra Recovery Services Inc
State: TX
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:
XX/XX/16 I sent a certified letter to this company disputing this charge and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 I received a communication in the form of a letter from TRANSWORLD SYSTEMS INC. that was dated for XX/XX/2020. I was shocked and offended to receive this communication because I had just moved to my new residence which was in a new state and never gave this Debt Collector permission to contact me nor did I give them my addresss. The communication stated that my account was placed in collections with TRANSWORLD SYSTEMS INC by XXXX XXXX XXXX XXXX. The alleged debt was for {$1100.00} to be paid immediately upon me receipt of their communication with me and to paid by check or money order to TRANSWORLD SYSTEMS INC. Unfortunately For TRANSWORLD SYSTEMS INC. They are in violation of Federal Law Under the FDCPA. I compiled a list of violations and sent an affidavit via XXXX certified mail on XX/XX/2020 to TRANSWORLD SYSTEMS INC ' s Mailing address in XXXX, Louisiana and Headquarters in XXXX XXXX, Illinois. TRANSWORLD SYSTEMS INC received both affidavits on XX/XX/2020. The affidavit that went to XXXX, Louisiana was received at XXXX XXXX by someone named Sessions and the affidavit that went to XXXX XXXX, Illinois was received at XXXX XXXX by someone named XXXX. TRANSWORLD SYSTEMS INC was given 15 days to respond to the affidavit but has not done so. Today is Thursday XX/XX/2020 and I am now contacting the CFPB to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Hello, Im XXXX XXXX and Im having issues with American Express. On XXXX XXXX, XXXX I noticed fraud on my credit card. I contacted American Express to report the fraud of XXXX and the started their investigation. About XXXX weeks later I received a check and letter for XXXX and they said theyve investigated the fraud and they refunded me with a check for the full amount. 

Well one year later they said my soon to be ex wife contacted American Express saying the charges were valid which I find funny because she received half of the money. 

My wife did this just to get back at me knowing the card was in my name and it would go on my credit. Because of the fraud I got a new card and stopped using American Express because of the fraud. 

I read online that American Express has 90 days or two billing cycles to resolve the issue or remove it. Well they did resolve it with the check they sent me in XXXX of XXXX and all the fraud was resolved on that date. 

Im hoping you can help me with this because being XXXX I feel there not following the law and theyre taking advantage of me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: The CBE Group, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally submitted a dispute because a collection agency kept calling me for an account but would refuse to give me any information because they couldn't verify my full name, SSN, address, and or date of birth. After requesting a Validation of debt letter and not receiving anything in response I submitted a dispute with the CFPB. They finally responded by sending me a bill with another persons name which is similar to mine but not me and a different address that I have never resided at. I contacted the original merchant of debt and was informed that the account the collections agency is trying to charge me for is not affiliated with my full name, nor SSN, nor address, nor date of birth so they weren't sure why the collections agency was trying to charge me for an account that did not belong to me. Once again this is not my account but belongs to a person with a similar enough name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.

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 2018-03-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card

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 2019-04-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I sent 3 payments totaling {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX to a person that turned out to be a scammer. The only remedy I apparently had through XXXX was to see if the money wasnt still in the account and to be moved back, but XXXX did not get back to me until almost 2 days later, giving the scammer an opportunity to close the account. Leaving me with no remedy. 

Also XXXX does not state IN CLEAR TERMS OR AT ALL, that XXXX is only for friends or people you know. It advertises itself to be a convenient payment method with the only warning being to make sure that you are sending the money to correct person, which I was obviously. 

It is wrong to advertise this service as a convenient payment method, yet not have buyer protection AND not inform consumers about this CLEAR limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow-up complaint on a previously filed on XX/XX/XXXX ( XXXX ). At that time I reported I was being disturbed by phone calls from PNC attempting to collect debt. The complaint was logged and I was assured in writing by PNC that my phone number would be taken off the call list. I have JUST ( XX/XX/2019 around XXXX Eastern Time ) received ANOTHER phone call from PNC. It is clear to me that PNC does not care about the people it does business with, let alone the US government. I DEMAND that my number be IMMEDIATELY taken off the call list. Should I receive another phone call from the PNC bank, I will be consulting other legal avenues available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company enrolled in disaster relief for 2 months for Covid 19. After a week of not seeing it reflected contacted company again they stated it was lagging behind because of the demand which is understandable but they advised it was done incorrectly that case had to be cancelled and a new case created for two months. 

After allowing some time to pass I contacted again as the next month was approaching and I was concerned about the reporting as this was hitting my credit report derogatively when it should not have been. 

After speaking with several reps and several supervisors they advised rest assured this is going to be removed as your account clearly reflects this there has just been a lot of mistakes on my account with all of the confusion Then when I thought ok theyll fix and eased up I was delightfully surprised with yet another 30 days late which again clearly not accurate 100 % dispute and it needs to be fixed immediately I have never been 30 days late on this or any other credit card and surely didnt start now this is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im am a XXXX XXXX XXXX minor and am getting called everday by a company who claims to be a debt collector for a balance i do not owe

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 2021-04-11
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice. 
I have disputed to XXXX  to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit Report )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2021 Kohls put a late payment on my account. This was a payment processing issue on Kohls end and was confirmed by three employees from Kohls and management when I called in. One of the employees even disputed the late payment for me because she said it was Kohls fault. The employee went out of her way to dispute after management was talked to and got management approval to do so due to Kohls taking ownership of the payment processing issue. The issue is showing on all three bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We opened a home equity line of credit with US Bank on or about XX/XX/XXXX At the time we applied, there were several important stipulations that the loan agent did not disclose at the time we applied : 1 ) There was a {$90.00} annual fee for the account that began 1 year into the loan 2 ) If we attempted to close the account prior to a 3-year period, regardless of the balance, we would pay a penalty of 1 % of the total line of credit, not 1 % of the outstanding balance, if any, 3 ) We assumed the the total line of credit was an arbitrary amount up to us to decide based on the equity in our home, but at no time was the 1 % penalty tied to the credit line ceiling. 

Our main concern is # 2. When we applied we took the largest line of credit {$55000.00} for which we qualified. We were never told that we would pay 1 % of that amount as a penalty for closing the account " early ''. 

We paid off our home equity balance of {$11000.00} this month. So even though we have a zero balance we can not close the account unless we pay 1 % of {$55000.00}, an amount which we never borrowed but theoretically was available to us if we chose to borrow. 

I found this all out when I called to close the account. I was told that unless I wanted to pay that {$550.00} I could wait until XX/XX/XXXX at which point I could pay the {$90.00} annual fee and then the following day ( being the end of the three-year period ) I could close the account with no further obligation ( either with the annual {$90.00} fee or the penalty ). 

So I have no alternative but to keep the account open, pay {$90.00} for an account I no longer want nor need. I think this is predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient. 

Copies of the information that I have sent are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2018, TD Auto Finance ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The company submitted a response that I am unable to contest to the submitted complaint below My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report. 

I am not satisfied with this response. This " gap waiver '' they are claiming was neither discussed or signed by me. As it was explained and required by law, I paid for the gap policy and they are required to follow through with payment of the rest of the loan. It is not on the condition I never have a late payment or extension over the loan. The company will either resolve my debt or I will take the next step legally for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have no idea why this item shows on my credit report. It is outside of California Statute of limitations.

Company response to consumer: Closed with non-monetary relief