BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is an unidentified collection account reporting to my credit report. I have reached out the the bureau on XX/XX/XXXX & XX/XX/XXXX to explain the account is in violation because it does not provide the name, telephone, and email address of the creditor. 
Please see the attached letters that were sent and a copy of the credit reporting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a bill from KOHL 'S card for {$240.00}. I never apply for this card and when I received the card, I did n't open or activated it. The card account # is XXXX. I think my identity info has been stolen and used my info to open the KOHL 'S card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The issue that I am reporting is about an incorrect description on the mortgage note. My wife and I own 2 investment properties in XXXX, FL and we want to sell one of the houses that is mortgage free but the bank LoanDepot incorrectly recorded the entry with the wrong house. This mistake is preventing us from selling the house. 

I reported the problem to LoanDepot on XX/XX/2021 through their portal, and I have followed up on the issue by calling their customer service line several times and also through their online portal only to be told that they are going to look into it. It is already XX/XX/2021 and they have not corrected the issue. 

I also asked for a letter from the bank stating that LoanDepot had made a mistake, that they would fix the problem, and that LoanDepot does not have any financial interest on the property that we want to sell. We have not received the letter yet. If we get this letter from the bank, we would be able to sell the house. 

This issue has been going close to 3 months and LoanDepot has not corrected the problem. We need to sell the house. I desperately need your assistance in resolving this issue. 

We are providing a copy of the mortgage note that contains the incorrect description in the last page. Copies of proposed taxes for each house that contains the correct description. Copy of the portal log showing when the issue was first reported and the correspondence that has taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Hospital Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was garnished last year by Hospital Services Inc. XX/XX/XXXX-XX/XX/XXXX. Recently I tried to make arrangements for other debt that had crossed their desk in XX/XX/XXXX for a debt from XX/XX/XXXX. They first refused payment arrangements, then they returned payments in XX/XX/XXXX. Then they served me papers for garnishment of {$440.00} in XX/XX/XXXX. The requested my employer to take {$530.00} in XX/XX/XXXX. They sent my employer the wrong address to send payment to, so when my employer cut them a check on XX/XX/XXXX. I called to see if the had received it on XX/XX/XXXX. They said it was sent to wrong address and I notified employer who also spoke to them about HSI error. Had check stopped and reissued. I called again on XX/XX/XXXX and they said they never received check. I called again on XX/XX/XXXX and she said she wouldn't process right away but had received in on the XX/XX/XXXX. She then stated she would process or notify courts until 2-3 weeks from now of payment made or issue refund for the overpayment. This company has repeatedly refuse to fix or except their errors and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
We have contacted XXXX XXXX XXXX several time concerning the account that it was opened Fraudulently, XXXX XXXX sent it to Midland Collection company as a collection account and we have contacted Midland several times letting them know that we reported this as a fraud account. We can not get any closer from XXXX XXXX or Midland Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: N.A.R., Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. 

I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. 

I would like this removed on all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bank of America reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at Bank of America XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of Bank of America XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I sent Shellpoint servicing an appeal letter based on the most recent denial letter I had received on XX/XX/XXXX. All my most recent documents had been provided to include paystubs and the 2 most recent bank statements. On XX/XX/XXXX, I spoke with a Representative who confirmed that the docs had been received. I followed up with them again and was advised that they need XXXX ' bank statements for various accounts i had, however some of them would not be available until after XX/XX/XXXX since the month ran from XXXX. iI was able to provide them with the ones which were available that ran until the end of the month and advised them that I would provide one of the statements that would become available after XX/XX/XXXX. On the date of XX/XX/XXXX when i provided my bank statement, i simultaneously received a notice that my loan had been referred to foreclosure. I called into Shellpoint and requested to find out why and they advised that because my bank statements were not provided therefore the file was incomplete and referred to foreclosure. I explained that the bank statement was not available until after the loan was referred and that it was completely out my control. I dont understand how they could have done this. I also have a letter from them requesting this information and telling me that i have until XX/XX/XXXX to provide this information and they still did not allow me this time. Please help. I am not against a foreclosure while trying to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: TX
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:
I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TODAYS DATE:XX/XX/ XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This is in response to CFPB XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a police report or that ive used a credit repair company is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable.

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 Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

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 2018-02-23
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: Commercial Credit Counseling Services Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I contacted Commercial Credit Counseling Services , Inc. dba XXXX XXXX ( XXXX  ) in XX/XX/2018 when I was having trouble paying my business debt. I never missed a business debt payment and wasn't late. However, I was told that they were expert negotiators that could get my business debt settled for a fraction of my balances and " buy me time '' and free up my cash flow. The sales person told me that they charge a total of 2 % of what I owe my creditors, plus 30 % of the difference between what I owe my creditors and what they settle the debt for. I was told that the settlements would be structured over a 5 year period from the time settlement was made with each creditor. They were going to do ACH debits weekly in order to build up a balance in an account they held that was to pay settlements in the future. It was very important that I build up my account with them so the funds would be ready to make deals with my creditors. The representative from XXXX  told me on the phone to stop paying my creditors to open a new bank account and to pay XXXX  directly. 

One month later XXXX XXXX informed me that they " settled '' with one of the creditors. The amount owed to the creditor was {$39000.00}, XXXX  settled for {$27000.00} a 30 % settlement. However, the payback is {$450.00} for 60 months to the creditor. The fee to XXXX for this service is {$390.00} for 60 months + {$15.00} for each monthly transaction + a one time fee of {$3000.00}. Grand total payback to XXXX is : {$27000.00}. 

How is this legal? I hired them to settle a debt for me, not increase a debt by over $ 15K. This is a simple case of fraud. 

In reviewing my emails from XXXX, they purposely avoided using certain words ; however, the phone conversations were quite different. I was misled and lied to. I understand why several states including Indiana, and Oregon has issued this company ceased and desist orders. 

I am canceling the agreement I have with XXXX  and requesting the full refund of every dollar I paid them. I believe and can prove that their deceptive practices void the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: SYNCHRONY FINANCIAL
State: KS
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:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

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 2019-01-17
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX  they called my place of employment and asked to speak to my immediate supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: American Acceptance Co., LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX called me on XX/XX/2019 from the number XXXX. She indicated that she was an attorney working for the American Acceptance Law firm and that I owed her over {$4000.00} for debt and legal fees for an account with XXXX XXXX XXXX. I have never had an account with this bank and this debt is not mine. She somehow had my Full SSN and threatened release it. She also informed me she would be contacting my employer to garnish my wages. When is started asking for details she told me that she could drop the legal fees if i would pay her the amount of {$360.00} now over the phone. Again i told her this is not my debt and I will not pay. She then told me I had been " served '' and she will reach out to my employer to garnish my fund for the full amount in excess of {$4000.00} amount and hung up on me. I looked into the company and this is not a law firm but an LLC. They are not licensed in the Stare of Florida rather the state of Colorado. This seems like a scam to me.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted transunion on XX/XX/XXXX. I had a 71 point drop out of nowhere. I have a very healthy credit profile. XXXX XXXX notified me that a recent account was closed, with no information on what that account was. I contacted Transunion and asked them what happend. I went through algorithmic discussions and the awesome credit profile that I had built. My unlilization was low.My accounts were never late. I have a great profile. I asked why my score tanked from XXXX to XXXX with no indication why. I talked to three different people. I talked to management also. Absolutely no one could answer my questions. I kept getting stonewalled. I picked my credit profile apart piece by piece. I asked what negative factor caused such a drastic change. The had no idea why, with no resolution in sight. I told them I was going to file a complaint. I felt like this is fraudulent reporting. I never had any account closed and nothing reporting on my credit. My credit has suffered with no reason made known to me.I 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 2018-05-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Our company sold merchandise to a person who may have used a fraudulent credit card. 
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have called repeatedly to ask for a lower interest rate. I have been a long time customer, and have never been late and in fact I pay the paymnt right after it gets on line. I also pay extra on it before the next due date. All they can say is they don't have a lower rate for me. nO REASON WHY THEY CAN'T EVEN THO i TELL THEM HOW LON g I have been with them no late payment and I pay extra. They are rude and mean.This company is Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2017 XXXX XXXX XXXX dba XXXX XXXX filed forclosure papers on my home for not providing flood insurance on the home. According to FEMA we are in flood zone x which is not inside the Special Flood Hazard Area ( floodplain ). The elevation certificate shows the house is well above the top of the dam. The Senior Planner for XXXX Co, says the house is outside of the 1 % /100-year Special Flood Hazard Area ( floodplain ). Champion mortgage is a predator. They charge monthly for property appraisal which according to case no XXXX class action complaint against Nationstar Mortgage dba XXXX XXXX filed in Illinois is illegal. I have to mail them the verification that I live at my home 3-4 times a year  because they say they never received them. This Company is also in the insurance business so of coarse they want me to have to pay for flood insurance I don't need!

Company response to consumer: Closed with explanation