BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. 

I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.

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 2022-07-20
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe the servicer is intentionally creating obstacles to try and get me to fall into default. Ultimately they want to steal my property. 

The servicer Fay Servicing requires me to reset my password almost every other month when I log in to try and pay my loan. They also have rather ridiculous rules for that password, and do not allow me to reuse any from the past. I am a mature individual who can sometimes have some memory concerns. I contacted the servicer to request an exception be made for my account ( I know this is possible ) they said that was not their policy. I requested to speak with a manager who again reiterated that was the policy and if I had trouble remembering I could always " write down the password ''. 
Other industries when a customer does not like the business policy they can do business with someone else. I no longer wish to do business with this servicer who will continue to place unfair and abusive ( to elderly, memory impaired ) customers, which they suggested that I could always " just refinance '' the loan to do business with a more consumer friendly company. I think that this is just another attempt ( by locking me out of my account ) to cause my loan to go into default, which is where a servicer can really make a nice profit off the default fees. 
There should be no problem in allowing me to either a. reuse a password, or b. set an exception to my account where this password does not change every other time I go to pay online. Perhaps a note from a government regulator may suggest revisiting their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of certain information listed on my Experian credit report, as provided by your agency. I originally contacted Experian on XX/XX/XXXX to address the incorrect information detailed below. Despite the passage of time, I have not received any response or resolution from Experian. I am now seeking your assistance in rectifying these discrepancies. 
Account Details : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The reported information concerning XXXX is inaccurate. The original creditor associated with this account is XXXX XXXX XXXX XXXX, not the company indicated by your agency. I have never engaged in any contractual arrangement with this entity and have not been contacted by them. Furthermore, the reported balance of {$1400.00} is higher than my understanding of the actual amount. I hereby dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details provided for the account XXXX are also inaccurate. The true original creditor for this account is XXXX XXXX XXXX XXXX, not the entity stated by your agency. The reported balance of {$1700.00} exceeds the amount I acknowledge as owed. I challenge the accuracy of this account and insist on verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The information presented for the account XXXX necessitates further investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. As a result of these disparities, I dispute the entire account and demand verification of the Date Opened and Date of First Delinquency.

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 2021-07-05
Company: BANK OF THE WEST
State: MS
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:
Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 2022-07-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXd account XXXX, XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX account XXXX, has violated my rights.

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX called me on my cell phone. They asserted that I owed XXXX XXXX a balance in excess of {$500.00}. When I disconnected XXXX as far as I know there was no balance. In addition, I contacted XXXX about their equipment in order to avoid an equipment charge and they indicated, in writing that we could dispose of our equipment. There was not mention of any balance. Now more than XXXX year later XXXX is allegedly sending my account to collections. 

When I asked for documentation that would show such a balance the person on the phone put me on hold or mute and did not come back to the phone. XXXX are my notes from the call. 

Called from : XXXX Caller ID shows : XXXX XXXX XXXX  Called at XXXX XXXX - Alleged the call was about a XXXX XXXX balance Asked for payment I asked for what I am entitled to under FDCPA to verify this balance. 
They mute the phone and do not hang up but refuse to continue the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We use the CARES ACT for our mortgage serviced by XXXX XXXX XXXX. We thought all documents were completed only to find out that after they sold our Mortgage to MidFirst XXXX and we tried to refinance that we can't due to unfinished paperwork. We are currently trying to refinance and we cant refy or sell due to this issue and we have exhausted our resources in trying to get this matter corrected and need help.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/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 2022-07-20
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Responded to an offer on XXXX for the sale of 2 used carports Seller indicated they were a business specializing in reselling carports that had been repossessed. 

2 transactions were made using XXXX through the PNC mobile banking app. 
XX/XX/2022 {$700.00} XX/XX/2022 {$270.00} Installation was supposed to occur on XX/XX/2022, seller contacted me to advise that their crew was behind schedule due to storms in their area slowing work and would not be able to attend until the next day XX/XX/2022. 

The next day they contacted me to assure me they would personally {$100.00} off the cost of each carport if I would allow them to install the carports on XX/XX/2022. This back and forth with the seller contacting me to advise it would be the next day and the next. 

I advised the seller I was cancelling my order and wanted the money refunded on XX/XX/2022, seller advised that they denied the XXXX transaction and the money should be refunded in 1-2 business days. 

Due to the way the interaction had been going with the seller I went to my bank to file a complaint about the transactions, I was advised I would have to speak with their XXXX complaints department, they made it clear from the onset of the call that it was likely they would not reverse the transactions and on XX/XX/2022 I received a letter from PNC indicating this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: CA
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 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX  - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

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 2022-07-20
Company: EQUIFAX, INC.
State: VA
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 XXXX  XXXX  inquiry fraudulent and unverifiable needs to be removed, XXXX XXXX XXXX fraudulent inquiry and unverifiable needs to be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank allowed these fraudlant transactions on my account and they refuse to even credit me money for recompense. 

XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX dollars and XXXX cents {$0.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$250.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$500.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$750.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$1000.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX XXXX dollars {$220.00} Running Balance : XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents {$1200.00} the above transactions to take place on my account. This is so obviously fraudulent activity and it totally depleted my account, and you tell me it will take 10 days to investigate and get back to me. This is so obvious lack of concern and lack of caring,. Its a textbook case of XXXX. I know lots of XXXX customers. Youll be losing mine and their business very soon.

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 2023-08-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Experian requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

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