BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: OK
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Credit Adjustors XX/XX/2018 - I faxed a written request to stop harassing me at work. Then I started receiving a call every night at my 2nd part time job which was noted by my coworkers that they have been calling me every night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion Personal Credit Report XXXX created XX/XX/XXXX, File Number XXXX, for XXXX XXXX XXXX, XXXX XXXX, top of first page, shows incorrect birth date pf XX/XX/XXXX. Correct birth date is XX/XX/XXXX. No response received yet, after notifying TransUnion via their website link in their online credit report.

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 2018-01-25
Company: World Acceptance Corporation
State: MI
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 recently received a copy of my credit report and noticed an unrecognized account from World Finance. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. World Finance has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that World Finance knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-10-10
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 3rd complaint against Ditech Loan Servicing. By the time they answer this complaint the home will be on the market for sale. 

I along with my siblings are the successors in interest of my father 's home. Ditech has been contacted by me several times and my Lawyer as well. My attorney sent a QWR in XXXX and Ditech has failed to answer it. Instead they have forced me to correspond with XXXX XXXX, a Debt Collection Attorney. 

I have not been contacted by anyone from Ditech. I asked their attorney for a person of contact that I could speak to and he did not answer me. I also asked him if he could guarantee that there would be no encumbrances on the title when it went to close, No Answer! 

Ditech sent me a statement with attorney fees added to it. These fees are due to the illegal sheriff 's sale that they attempted in XXXX. They have repeatedly Violated RESPA laws and continue to do so. 

I would like a Qualified Person from Ditech to phone me at XXXX so that I may have some answers to many questions concerning the sale of my Father 's home and his mortgage file. I do not trust Ditech as they have 100 's of consumer complaints as well as filing bankruptcy twice in eighton month 's. 

I am attaching the file of my QWR and Ditech 's latest statement that was sent to my Father and not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
After disputing several accounts in on XX/XX/2020 with Transunion, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX XXXX   and they haven't. 

XXXX XXXX - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX SC - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX  - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US.

Any assistance will be greatly appreciated.

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 2020-10-09
Company: JPMORGAN CHASE & CO.
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I have been trying to refinance our VA loan. Chase was our lender. Chase sold our mortgage to XXXX XXXX in XX/XX/2020 on our house.Our new mortgage broker from XXXX XXXX XXXX XXXX XXXX and our title company XXXX XXXX found two liens on our house through a credit check. One is a mistake. We do not have two liens on our house.XXXX. XXXX was notified and Chase as well. Apparently it is showing that Chase had original lien and were the ones that added that second lien by mistake.My broker and I have been dealing with Chase for two weeks now. They say they are not my mortgage lender anymore and have researched this problem and that they are not the problem and that We need to talk  to XXXX XXXX about this because they are our current lender. Chase is not releasing the second lien that was filed in their error. This second lien needs to be removed before we can get this refinance done with XXXX XXXX XXXX. We are loosing money due to Chases negligence. We have called several times and get no where. I keep asking for a supervisor but all they say is that they can email one and they can get back to us within 24 hours and that there is no phone number to call talk to a supervisor higher than the one I talked to. She just gave me the Chase number and said that if I called that again that they'd tell me the same thing that she is telling me. Today I even told them that I wanted to file a formal complaint. She said that  they have already researched this and they can't do anything else for us. Wouldn't even take my complaint. We need this resolved and Chase is being very uncooperative. Our new mortgage broker told us to file this complaint so this can get resolved. as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I tried to access my free annual credit report via https : XXXX. I was able to retrieve my XXXX credit report without a problem, but Equifax gives the message " Online Delivery Unavailable '' and requests that the customer physically mail them personally identifying information. This is problematic for three reasons : 1. It's not free, you have to pay for postage. 
2. It's not immediate. I want my credit report this morning. This will prevent many people from following through and requesting a report. It would be weeks before I see the report. 
3. The burden is on me to dig up the information they request, find a copier, go to the post office ... This should not be the case and will obviously discourage many people from requesting the report that they are required to provide by law. 

I believe that Equifax is violating, if not the letter, the spirit of the 2003 Fair and Accurate Credit Transactions Act. In the past, I have easily been able to get my credit reports. 

Why should these obstacles be put in place? They weren't in the past, there is no reason to, and the other credit reporting agencies don't do it. 

If their excuse is " security '', it is not credible. This is not an insecure method of receiving a credit report and the hoops that people would have to jump through to retrieve the free credit reports that they are entitled to, are completely unnecessary and are part of the reason the law was passed in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2019, I attempted to send money using Cash App. I received a response that stated I needed to verify my identity. I provided my name, phone number, and address. Cash app Then had me take a picture of my drivers license and debit card. Cash App also had me allow access to my contacts which was uploaded. Cash app then made me sign in to my bank to retrieve account information. After all four steps were completed, cash app immediately closed my account. I reached out to ask why. The response was I violated the terms and conditions. I asked specifically what terms and conditions I violated and never received a response. I have asked this question twice. I am concerned about my privacy since I provided a lot of accurate but private information to verify my identity. If there is some other term that was violated ( identity couldnt be the cause ), then why was I asked to divulge such private information? I will be seeking civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS claims I owe an amount of {$1000.00} to XXXX XXXX XXXX XXXX, letter received today, XXXX, states the company placed the account in their office with cancel date of XX/XX/2019 for collection. This appears fraudulent or case of mistaken identity, I have lived at this address for a number of years, never had insurance with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: LEXISNEXIS
State: MO
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:
LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). 

On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. 

On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. 
XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. 

XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. 

XXXX also failed to respond to the email that she sent directly to me. 

LexisNexis is now in default as they have failed to respond to the notarized Affidavit. 
LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. 

I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. 

LexisNexis was also given a direct phone number to contact me. 

As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2019-10-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
2 yrs ago I went through the partial release of my property. A home was built on the portion that was released by my mortgage company. We are now trying to close on the property and when the title was pulled it was discovered that the mortgage company used MERS to sign the reconyence, which evidently is not allowed. My loan officer, my escrow company and myself have made several attempts to the mortgage company to correct their error and they have even made instructed them how they can correct the error as it seems no one seems to understand how and they are not correcting the error. We explained to them this is time sensitive and it has now been 3weeks with no resolution to the issue. I feel like my hands are tied and at the mercy of my mortgage company and to talk to a supervisor is impossible. The mortgage company is PHH. This situation has placed me in a financial hardship and great physical distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Responded to advertisement on XXXX on XX/XX/2020. The advertised rate was 2.5 % for a 20-year fixed rate mortgage with no points or other upfront costs. After going through the pre-approval process, Ally Bank 's real rates were nowhere near the advertised rate. When I called to get an explanation, they said they were not actually offering the advertised rate. I told them I would submit regulatory complaints for blatant bait and switch. They said " good luck with that ''. They later followed up by email to say they wanted to " run some options by me ''. I responded to say, I'd be happy to proceed on the basis of the advertised rate. They have not responded at all since their original email. I also note that the same  false rate was still advertised on XXXX today and that Ally 's real rates have not changed significantly since yesterday.

I am a prime borrower, with high income, lots of cash savings and pristine credit. I refinanced previously and have never seen advertised mortgage rates so out of whack with real rates. All of the information I submitted to Ally Bank was the same as what I  submitted to XXXX. The loan I requested would be a 40 % LTV, 12 % DTI conventional conforming loan. It shouldn't get any more straightforward than my situation. I am attaching screenshots from  XX/XX/2020 at around XXXX PT as evidence.

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