BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: Federated Mortgage Corp.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1 ) The communication with Federated Mortgage began as early as late XX/XX/2018 and is ongoing. 
2 ) We have exchanged in excess of 100 emails, facsimiles, statements, lease contracts, tax returns, XXXX, status requests, and confirmations of progress.

3 ) I have already paid {$550.00} in good faith for an appraisal on one of the homes under consideration. 
4 ) During the span of time indicated between XX/XX/2018 and XX/XX/2018, Federated has made repeated requests for the same documents with huge gaps in time lapsed in response. The entire process has been vague specifically with regard to the cause of delay which has subsequently triggered further delays.

5 ) I have expressed my ongoing concern about how the initial rate expressed would be impacted by the long process and received assurance that protection would be provided in the form of extensions.

6 ) Over the most recent month, Federated conveyed and introduced origination points that if not paid would cause the initial rates to be increased.

7 ) The process to refinance an existing investment property while leveraging a fully paid principal residence remains outstanding.

8 ) In conclusion, I have made an effort from the onset to be transparent with my intents to preserve both properties, comply with each request for documentation, only to find no closure in completing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: NEW CITY FUNDING CORP.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-11-03
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Unverified information I sent two letters to verify my information and they cant I want them to delete everything from my credit report if they cant verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
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 recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: LA
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 sent in dispute and its been well over 30 days and I havent received any response back form 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 2018-06-19
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client Pendrick Capital Partners LLC purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: OH
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 disputed with Equifax because a company did not report monthly to update my account balance. I received my updated credit dispute results dated XX/XX/18 indicating there is still a balance on the stated account. I contacted the company to let them know that for some strange reason they continue to report the balance despite my screen shot of the account demonstrating a {$0.00} balance, and documented payment ( hoping for their cooperation in accurate reporting ). I'm waiting to hear back from them, but they already said to dispute, which I already did. In XXXX, my Equifax showed a {$0.00} balance so I thought the dispute was resolved by then but somehow on XX/XX/18 the dispute was finalized and updated with a balance of over {$530.00}. I have multiple forms of documentation indicating a XXXX balance, yet Equifax continues to report a balance. Further, XXXX XXXX took my documentation and reflected the balance to be XXXX which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Convergent Resources, Inc.
State: MA
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:
{$1400.00}. XXXX XXXX. I have sent XXXX XXXX a debt validation they have not responded to my letter and also reported to my credit report. Once again this item does not belong to me.

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 2018-11-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Again, on XX/XX/2018 XXXX XXXX XXXX submitted my credit application to Wells Fargo Dealer Services where I just received the denial letter. The denial letter is bogus because it states : Excessive Inquiries in credit file - SO WHAT THIS HAPPENS WHEN A CONSUMER IS SHOPPING FOR AN AUTO. 

Number of Collections or Public Records - THERE IS NO COLLECTIONS OTHER THAN AN OLD MEDICAL BILL THAT HAS BEEN DISPUTED SEVERAL TIMES FOR UNAUTHORIZED SERVICES AND DELETED BY XXXX. THERE WAS ONE OTHER ONE FOR {$370.00} THAT HAS BEEN PAID BY MEDICAL. Just a flimsy excuse. 

Excessive Revolving Debt Utilization - NOT TRUE. ALL IS PAID IN FULL OR WILL BE PAID IN FULL AT THE END OF XX/XX/XXXX. ( See attachment ). 

Consumer deserves a fair assessment and not these weak knee excuses. ( See attachment ).

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 2018-11-03
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XX/XX/XXXX, I contacted XXXX XXXX XXXX which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.

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 2018-11-03
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX with an amount of {$3200.00} Account is not mine, identity theft issue/fraud alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: I.C. System, Inc.
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:
XX/XX/2019 I C system become a injury on my credit report. XXXX XXXX I attempted to pay and colllect Information on what company Imay have owe money to. I C systems could find my address or corrected  name my social security number was provided and another name pop up on there end I would like to report this as fraud and I would like this removed off my 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 2018-02-23
Company: Rocket Mortgage, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a phone call from a debt collector claiming to be from Sears looking for my son at XXXX XXXX Saturday morning XX/XX/XXXX. I have nothing to do with this debt and don't know why they're calling me. I wish to file a complaint. It is unfair that a family member should have to bear this burden for someone who knows nothing of a debt that they claim on my adult son. The number they called me from is : XXXX ( XXXX XXXX, Texas ), as identified by the caller ID on my phone. The caller sounded to be a young female. I had appointments today that required my utmost attention and by disturbing my sleep, ruined my capacity to perform at my best. I wish compensation for their frivolous actions as well as a formal apology.

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 2020-05-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been trying to pay my mortgage, but the bank will not accept payment First of all, Shellpoint is the 3rd bank working with my mortgage. 

Second and most important thing : We were notified from XXXX XXXX about the transfer to SHELLPOINT on XX/XX/XXXX. 

How could I send my payments to SHELLPOINT if I was not aware about the change before XX/XX/XXXX? 

See the timeline for my payments below : XX/XX/XXXX : Check was sent to XXXX XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX  ( lost in the mail ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( RETURNED and I have the receipt with letter stating that account number can not be found ) XX/XX/XXXX : Before sending another check to XXXX XXXX, I sent them an e-mail, asking about the reason for the returned check XX/XX/XXXX : First time that I heard about the transfer from XXXX XXXX to SHELLPOINT STILL ON XX/XX/XXXX : I got the access to my online account with SHELLPOINT for the first time and tried to make an online payment, but unsuccessfully. 

STILL ON XXXX : I sent 3 months payments ( 3 different checks ) to SHELLPOINT MORTGAGE, they have received it but the checks were not deposited.. 

XX/XX/XXXX : Somebody locked the doors in my house and I couldnt get in. 

XX/XX/XXXX : I called Shellpoint telling them the whole situation and they are not letting me to make a payment. 

XX/XX/XXXX : I called Shellpoint to try and get a resolution and they confirmed that my house is going to forclosure and I will be liable for all the attorney fees. At this point they WILL NOT accept my payments and they have not cashed the checks I sent in XXXX to bring the account current. 

The property related to this mortgage ( XXXXXXXX XXXX XXXX XXXX  ) is in a Vacation Community and there is NO MAIL BOX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing charges from a company called XXXX the own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$5100.00} with the company " we sell good traffic '' they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX XXXX which is an online marketing company of digital products over the internet. This XXXX company has turned out to be a huge scam. I was sold a list of buyers that were supposed to generate sales for the business, however this $ XXXX charge was just another way this XXXX   company fraudulently charged me. The reason why is that this was an empty service that i got nothing in return for. It was just another way to get money from me after the XXXX comany had charged up over {$80000.00} on my credit cards. The comany never responed to my emails that this " we sell good traffic '' company which is part of XXXX did not provide what I paid for which was supposed to be 21 buyers and ongoing coaching from the company. It was just an empty scam and I disputed this charge and many others as fraadulent. capital one is the credit card company that looked into the dispute I filed with the " we sell good traffic '' they originally removed the charge from my statement but then the comany challenged it and then capital one put the charge back on. Now I want to tell you something very very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC has shut down this XXXX company and 8 other businesses they own and froze the assets of the principles in the company ... here is the official link for the FTC action against these criminal companies. https : //www.ftc.gov/XXXX An attorney at the FTC provided me this information but the charges against this XXXX cmpany and " we sell good traffic '' came out after capital one denied my dispute for the removal of the {$5100.00} The FTC has been investigating this XXXX company for more than 2 years. I spoke with an attorney at the FTC and he told me that I should make this new information known to the capital one dispute team. I did tell Capital one about the fact that the FTC has shut down this " we sell good traffic '' company. I should not be charged for this {$5100.00} because it was just part of a huge fraud that I got caught up in. I hope justice will be done and that capital one will remove the charge and clear it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: International Computer Systems, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing a recent copy of my credit report and becoming a victim of identity theft, I've noticed several violations of the FDCPA and FCRA one obvious which clearly has TWO DIFFERENT COLLECTION AGENCIES ATTEMPTING TO COLLECT ON THE SAME DEBT WHICH are both IC Systems and First Collection Services are reporting on my current credit report for an fraudulent  established medical account from a company named XXXX XXXX. This is unacceptable and violates the Fair Credit Reporting Act and both accounts should not only be removed due to fraud, but of duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

CHRYSLERCAP account number XXXX XXXX opened XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
A negative charged off account is on my report, i do not recall borrowing from this creditor.

Company response to consumer: Closed with explanation