BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX ( XXXX ) DOB XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am using an app to predict future XXXX XXXX XXXX XXXX and get recommendations from them, however when I try to add my Capitalone card it says Capitalone is blocking the service from accessing my data. This is my data and my right to use it as I see fit in apps of my choice. I am being denied of my freedom and right to information by Capitalone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac did my annual escrow analysis in XX/XX/2019. I could pay the shortage or my payment would increase. I chose to pay the shortage and made a {$600.00} payment on XX/XX/XXXX which brought my monthly payment to {$940.00} which I paid for XX/XX/XXXX. I then received notice that my payment had actually increased to {$990.00}. I called and spoke to an agent at PennyMac on approximately XX/XX/XXXX. He stated that my county taxes had been reduced and my new payment was {$910.00}. On XX/XX/XXXX, I received a notice that my payment of {$940.00} was short by {$45.00}. I called on XX/XX/XXXX and they agent stated that my payment had not been reduced and they would have to do another analysis in order to reduce my payments. I asked why I was told that my payment had gone down and she stated that she did not know why the other agent told me that. I gave her permission to reanalyze my escrow. 

This is how people get into financial trouble with their mortgage companies. I was given false information and PennyMac miscommunicated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On two occasions my ability to use Capital One Cabela 's Black Card was stopped for late payment. On the first occasion I received my bill on XX/XX/XXXX ; paid the bill in full on XX/XX/XXXX and mailed it the same day. The bill was due XX/XX/XXXX. My card was blocked access on XX/XX/XXXX. 

The second occasion my bill was due on XX/XX/XXXX. I was blocked from using the card due to late payment. I received the bill on XX/XX/XXXX. 

When I called Capital One I was told that there were problems with the United States Postal Service and there was nothing they could do to activate the account. However, I could make a direct payment from my bank. 

It took lots of convincing to have them remove late fees and interest charges but they did so. 

Capital One has a duty to insure the billing statement arrives by mail within a reasonable time to pay. Lack of their ability to fulfill this duty should not shift the burden upon the consumer. Charging fees and interest amounts to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
USAA prequalified me on income they knew that they couldn't use to close the loan. I recently transferred from XXXX XXXX military to the XXXX XXXX and took a civilian job with XXXX XXXX. I applied with USAA for a mortgage using my current and future income along with rental property that had just rented in XX/XX/2018. I was initially approved for XXXX and then after another review XXXX. My rental income was used as a basis for the decision even though I advised the loan processor that it wasn't reflected on my tax returns due to just being rented. I was told that this wasn't a problem. During the first review the loan was declined, with USAA citing that the VA doesn't allow rental income not contained on tax returns. I was lied to during the application process and now I have spent considerable time and money to secure a property that I can't close. USAA was dishonest from the beginning and led me to believe something that wasn't true. I then attempted to add my XXXX XXXX income, which they also denied because I don't have 12 months of pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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 information incorrect

Complaint:
I pay for XXXX  monitoring service. I have not missed a payment in over 1 year. Experian says its been 1 month since my last 30 day late payment. I went on to my experian report and reviewed every single account individually and none of them have reported a late or missed payment. They can't or won't explain this and refuse to correct this. My score dropped 54 points over night literally because of this. I've been working very hard to fix my score for the past year to qualify for a mortgage. The dropped my mortgage score down to high 400 's.

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 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY 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 2021-02-20
Company: Cawley & Bergmann, LLP
State: NY
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 being wrongfully pursued by a debt collector Crawley & Bergmann about a federal judgment made against the net winners of XXXX ( Bell vs. Disner ). They are threatening to put a lien on me if I do not pay. I have no association with this website. My ss # was stolen to open an account with them. 

The steps I have already taken : 1. Opened a police report 2. Filed with identitytheft.gov 3. Frozen my credit I have also sent the debt collectors all the reports as well as a letter stating that they have the wrong person. Regardless, they continue to harass me for payment because of the judgment.I basically need the judgment vacated due to identity theft/mistaken identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: NC
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 have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: FL
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 called Wells Fargo asking for a credit limit increase on one of my credit cards I've had with them since 2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.

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 2018-06-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from 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 2018-06-28
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account has been paid in full. Optimum Outcomes forwarded my file to a law firm- XXXX , XXXX XXXX XXXX . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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:
I have disputed a collection account with Experian and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from Experian explaining why the account remains and only place a comment " Disputed by the consumer ''

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 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well as a defamation of character. I, the consumer never gave written consent or was consent received from a court of competent jurisdiction to have my personal identifying information be shared to these third parties ( credit bureaus ). I the living man have all power above these companies and demand my request be honored. I am the CREDITOR as it is my credit and energy that funds any consumer credit transaction. I am NOT a borrower. I AM the lender. In addition lender and borrower are not defined Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report and Per 15 US Code 1692b ( 2 ) - May not state that such consumer owes any debt This is my written instructions for the credit bureaus to remove ANY negative items from my report so that I the consumer may continue in commerce with barrier. The items are as follows Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All hard and soft inquiries XXXX XXXX XXXX should be the ONLY name listed XXXX XXXX XXXX XXXX should be the ONLY address listed

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 2020-08-23
Company: INDEPENDENT BANK CORP.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Mgmt Team at Rockland Trust ; - I thought I was protected under the CARES ACT during this COVID-19, but today when I check my credit report and scores, I was shocked to find out that my mortgage company marked me late every month since the global pandemic even though we had prior accommodation that we had agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: TX
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:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. Equifax, XXXX, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Weinberg Mediation Group LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This number is calling a place of business and has been asked multiple times to not call again seeking to speak with an employee. A call was made to this number of XXXX and told repeatedly to not call this place of business. Immediately after our call was made to the company they called again under false pretenses to verfiy employment and were told again to not call this number of XXXX.

Company response to consumer: Closed with explanation