BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I received a debt collection letter from PACIFIC CREDIT EXCHANG, I promptly responded with a debt validation letter requesting validation and verification, I responded with letter stating to cease all collection activities, in early XXXX I was notified that the company attempted to pull my credit file, in XX/XX/XXXX the alleged original creditor ceased all reporting and dismissed the claim on the alleged debt. the debt, today I was notified that the. company has placed the collection on my credit file.I fully intend to pursue litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 15 U.S.C. 1692k ( a ) ( 1 ) ; and Section 15 U.S.C. 1692k ( a ) ( 2 ) ; in addition to section 15 U.S.C. 1692k ( a ) ( 3 ) regarding your continued willful and negligent noncompliance.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the companies as well as the bureau. These inquiries were not authorized by me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by my loan servicing company Loancare, that I had not paid my XX/XX/XXXX mortgage payment. They were throwing me into foreclosure. My wife and I contacted them proving we had paid them. I received a confirmation email from their escalation department two days later, ( XX/XX/XXXX ) that the matter had been resolved. My wife started getting harassing calls a few days later, again from Loancare, saying we hadn't paid our XXXX payment and were 30 days late ( it's XX/XX/XXXX and again, we paid while on the phone with the first customer service rep on the XXXX, how can we be 30 days late? ). Today I contacted Loancare again and told them we had paid and everything was up to date. I had to again send proof from my bank they got the money. And today I received a letter from XXXX mortgage company who bought our loan saying we owe three mortgage payments by XX/XX/XXXX. These people are predatory and are either incompetent at bookkeeping or fraudulent in their business practices. I have disputed their credit damage to the credit reporting agencies, but have yet to see anything resolved.

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 2020-11-07
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2020-04-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays Card Services XXXX XXXX XXXX XXXX, DE XXXX Dear Barclays Company, XXXX Reword Credit Card XXXX I requested credit line and your bank always denied my request even my credit score good and excellent. 
XXXX XXXX credit scores a s following XXXX - XXXX XXXX - XXXX XXXX - XXXX I have a higher credit line different banks and I am requesting this card because I need a get XXXX Computer. {$1000.00} credit line not enough.Please reconsider my request and approve credit line. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Ocwen Loan Servicing received a payment from XXXX XXXX XXXX XXXX ( of XXXX XXXX, MI ) of {$80.00}, XXXX, paying off my outstanding mortgage balance with them. I have an escrow account with Ocwen with a balance of {$980.00}. On XX/XX/XXXX, I contacted Ocwen about the distribution of my escrow account and inquired when I would received the funds. I was told by a customer service representative that I would have the funds within 18 calendar days, which would be on or about XX/XX/XXXX. After not receiving the funds, I contacted Ocwen on XX/XX/XXXX and asked for the whereabouts of my escrow refund. I was told that the " check was mailed on XX/XX/XXXX ''. As I explained that First Class Mail from Florida to Michigan does not take one week, I was then told to contact my local US Post Office, as there must be an issue with them. I was also told to " give it some more time '' and to not contact Ocwen until after XX/XX/XXXX. I did not wait and contacted them again on XX/XX/XXXX. I explained my previous calls to Ocwen and again was told that the check was mailed on XX/XX/XXXX and to " be patient ''. I was for the check to be cancelled and to overnight the payment to me. I was told that was not possible and that if I asked for the check to be cancelled, it may delay my refund by another month. 

It is my understanding that Ocwen has 30 days under Federal law to return my escrow funds to me. I has now been 31 days and I am still getting the runaround from Ocwen. I would like the CFPB to contact Ocwen on my behalf and request the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing me a lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me. 
My legal and full name is XXXX XXXX XXXX please DELETE any other variation of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 

I am employed at XXXX XXXX XXXXXXXX. 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrity of my profile. Please delete the following fraudulent addresse : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH 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 2020-08-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a HAMP Modification without any equity since the XXXX crises, In XX/XX/XXXX I spoke with two representatives, a XXXX XXXX @ XXXX regarding a FHA fixed rate without adjustable which was disapproved and I spoke to a XXXX XXXX, @ XXXX advised an in house modification which also was disapproved. My statement of XX/XX/XXXX ( I received XX/XX/XXXX ) went up regarding a recast but when it stated, " Your monthly payment includes... and other escrow expenses. '' I asked, " What are these other escrow itemized expenses, and Disbursement insurance and why has it changed from XXXX to XXXX? '' As usual no returned call. In XXXX I just realized that my monthly bill was XXXX over, I called the bank as well as Nationstar. I corrected it, but as time went I saw that it continued with XXXX over. I received my statement due for XX/XX/XXXX that my mortgage went up! So I called complaining and was advised of their Pandemic Relief, FORBEARENCE agreement At first I thought it was a good idea, but not. I tried calling but couldn't get through, system kept disconnecting. I called a different number to cancel out, I did speak to different ones and they refuse to change my request. I remind you that they continue to have me under that Forebearance agreement. I want them to lower the HAMP and not any FLEX MODIFICATION. I already have the HAMP Modification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I walked into XXXX XXXX XXXX ( XXXX location in XXXX FL ) with my husband. We were met at the door by sales rep XXXX. While looking around he told us about two credit card offers. A 5 year interest free offer and a 6 month interest free offer. I agreed to apply to the 5 year interest free offer. My husband and I didnt get approved for the amount we hoped for so XXXX suggested we apply for the second program. I told him I would not apply because I did not want two hard inquiries. He assured me that both programs are underwritten by the same bank XXXX XXXX XXXX and therefore I would only have one inquiry. 

After double checking the facts with XXXX, and agreeing to be considered for the 6 month interest free card, I then received an email alerting me of two hard inquiries. One from XXXX and XXXX from XXXX XXXX. XXXX, the sales rep insisted that it was the same bank. When I returned to the store a week later after receiving XXXX separate letters in the mail, I explained what happened to the store XXXX XXXX XXXX, he confirmed that the information my husband and I were provided was incorrect and that he would deal with the sales rep accordingly. He also apologized but said this was a corporate issue, not a store issue. 

When I called corporate several weeks later on XX/XX/XXXX, they told me this is a store issue, not a corporate issue. I spoke with XXXX XXXX at XXXX XXXX XXXX corporate who was unable to provide me with any substantial resolve. 

I now have an authorized hard inquiry on my credit report that the store refuses to write a letter on my behalf so that I can submit it to the credit bureaus and have the inquiry removed. This has been an extremely stressful and upsetting situation to say the least.

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 2017-12-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : 1XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XX/XX/XXXX, and XX/XX/XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There are two late payments reporting that shouldn't be I called the company and advised them of my hardship due to the COVID shut down. I was informed of the help and that it wouldn't affect my credit status. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX and XXXX to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. XXXX XXXX XXXX - Amount of {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent application s may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors , who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Eastern Revenue, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I frequented XXXX XXXX College in XXXX for just one semester and took some credits for XXXX  XXXX. I paid for all classes I took of course for that semester. 

On or around XX/XX/XXXX, 5 years later, My XXXX and XXXX shows a derogatory remark from Eastern Revenue Inc for a collection of {$820.00}. 

Eastern Revenue , Inc : XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX I had never received mail or call from Eastern Revenue Inc before about the debt. I disputed the debt with the bureaus, called and asked Eastern Revenue Inc to provide proof of the debt. They sent a screenshot of a screen with my name and some itemized item, looking like a quote. But no receipt, no statement of debt, no college course I took and I did not pay for ... They have not validated the debt with a proof. But they refused, after almost 3 months, to remove the derogatory remarks. Eastern Revenue Inc told me they have asked XXXX for proof, but they can not get it yet, and that I should probably try with the College.

Company response to consumer: Closed with explanation