BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2019 @ XXXX at XXXX, XXXX, Tx at ATM # XXXX at XXXX XXXX, I tried to withdraw {$XXXX} + {$XXXX}. fee from my prepaid US Treasury given ATM/Debit card. After going through the process, the ATM machine said the ATM had an " internal error '' and could not finish the transaction, but took the {$XXXX} off of my Social Security debit card anyway. 
This happened at Capital One Bank @ XXXX, XXXX, Texas ( XXXX ). 
The man in the bank gave me a number XXXX but they said they could not reimburse or help me because I was not a direct customer of the bank. 

I'm at my witts end. I can not afford a {$XXXX} loss off of my already modest SS payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax explaining that these inquires & accounts do not belong to me but they continue to report them on my credit.. I have sent them a police report, identity theft report along with my ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples 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 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 capital one card multiple times as they are charging me 24.99 % interest and I am drowning in debt. They refuse to help me at all. I am having issues with medical bills and can't catch up and barely making payments. This is an abusive practice and they won't help me. Please help me I beg you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Capital Markets Cooporative, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my usual payment for my mortgage of {$2300.00} on XX/XX/XXXX to CMC Funding and I was not told that it went to " unapplied funds '' because the escrow amount changed. Since then I have called twice and was reassured that this was resolved and not to worry - that I am to pay the shortage amount of {$96.00} which I did on XX/XX/XXXX and there will be no issues. Today, I get another late notice indicating that the account is overdue. I can't get through their automated phone system because it hangs up on me in the middle of the call and its virtually impossible to contact a live representative. This is beyond frustrating as I don't want my credit to be affected for an error made by the servicer. Their website also is not user friendly and does not send out emails when you make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report has XXXX  accounts that are reporting with XXXX. XXXX account is a {$500.00} XXXX XXXX XXXX, the other is {$300.00} Kohl 's card. I have not applied for any credit with either one of these credit card companies. Along with the reporting, I have NEVER received a credit card from these 2 companies and during the time that that I have been trying to get this issue resolved, I have noticed that they are reporting this payment as being paid on time, then it will go in into late payments status ( Kohl 's ). As for XXXX XXXX, they have added late payments to my credit report. I was able to get this issue resolved with XXXX, XXXX on the other hand is allowing these companies to continue to report theses fraudulent accounts on my credit file and I have been disputing the matter since early XXXX. 

Each time, I dispute the accounts, they are sent back into re-investigation status, ULTIMATELY ALLOWING KOHLS & XXXX XXXX BANK TO CONTINUE REPORTING THIS UNVERIFIED FRAUDULENT ACCOUNT. 

I have had excellent payment history until this issue. Now, my credit is going down the drain, due to the false reporting of the XXXX companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: CURO Intermediate Holdings
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep on sending me emails telling me I'm going to be arrested for a loan that : a ) That I either took out and was paid. 
b ) A loan from a company that I never heard of or taken a loan from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became aware of a lien on my property from a company i'm not aware of for a debt that i'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: MS
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 applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about 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 XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX my direct deposit was removed by ocwen. They said that I did not submit paperwork in time. I set up automatic withdrawals from my bank account and faxed the forms that they claimed they never received. XX/XX/XXXX My monthly payment was returned. I was told that it was returned in error and to resend it. They kept XX/XX/XXXX payment then XX/XX/XXXX payment was returned. I continually have gotten the runaround In XX/XX/XXXX a monthly payment was kept by Ocwen but the reversal of my Loan modification never was reversed as promised during a XX/XX/XXXX Email. All of my payments have not been applied to my account. I was told during one of many many phone calls to Ocwen that the employee handling my account was fired and my account fell through the cracks. This has caused me tremendous stress and I could not afford to fall behind on my payments. I did not have the funds to catch up. In addition I would like full credit for all payments made. Ocwen system shows that they have not received a payment since XX/XX/XXXX. Their system is inaccurate and I have receipts that show that I made payments up until XX/XX/XXXX when my payments kept being returned to me after I was told they would not be. In XX/XX/XXXX a representative told me they show that I was in arrears since XX/XX/XXXX and my only option was to pay the arrears. I recently received a court notice of foreclosure. I plan to seek legal representation if Ocwen does not rectify my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX in XXXX, PA from XXXX through XXXX ; when I graduated. The original loan was with Sallie Mae and consolidated as of XXXX. I have been on multiple Forbearances and Deferments since the time I graduated. I am not sure if I am being fairly charged for interest and/or other fees ; based on the Payment History attached to this complaint. 

To date, the balance owed is {$48000.00} ; for 2 consolidated loans. With the amount of interest, late fees, forbearances and deferments being applied. I feel as though I will owe this Student Loan forever. I tried making payments, but my financial situation is not the best, and I can not afford payments of over {$200.00} per month. 

I am currently unemployed, and currently on Forbearance-which was approved before I lost my job. I just want to make sure, Navient is not trying to price gouge and make money off of me unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: DC
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 repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB : I closed my mortgage with FBC mortgage , LLC, in XXXX, FL, loan number XXXX, back in XX/XX/2016, first payment was done on XX/XX/2016, since then I have been a good customer and have paid my mortgage in time. Today, I have another company sending me an email, yes, an email, not a formal letter, no official request, but an email stating that it is time to pay my mortgage to this new company, apparently my mortgage was sold to a " XXXX XXXX '' without being notified by either part except via email. With all the issues with identity theft, these crooks make business between them without notifying the most important link here who is the consumer, while believing an email will suffice to collect a mortgage payment. There is a binding agreement between customers and loan companies and it works both ways. As customers, we can expect a loan to be transferred/sold, but we should be notified in advance of this not via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My new mortgage company XXXX XXXX just sent us a bill of around seven thousand dollars. On the bill and over the phone, XXXX broke down why they are were charging us so much on this bill. They said the sum was made up of increases in property taxes, school taxes, home insurance and other increases that had occurred during XX/XX/2018. Which was the year AmeriHome Mortgage had our mortgage, they also said someone from AmeriHome was supposed to make sure the increases were applied during XX/XX/2018 and failed to do so. When XXXX bought out our mortgage they had to pay the surplus and now charge us. Our mortgage was not serviced correctly, and this negligence has cause this large bill to fall our shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

Complaint:
I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes letters.

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 2018-09-13
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that Chase Card ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2004, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My previous complaint has apparently had no teeth, now the servicer SLS is scheduling BPOs and then cancelling them for frivolous reasons. My agent contacted XXXX XXXX, who confirmed that there was no BPO ordered.

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 2018-09-13
Company: Experian Information Solutions Inc.
State: OR
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:
My account with XXXX XXXX XXXX is reporting to the 3 credit Bureaus as closed. This account is Open and current. 

I had contacted the company they wanted my credit reports faxed to them showing that my account shows closed. I did that. I even disputed with all 3 credit bureaus and they updated my accounts to still show closed. 

This is violating all my rights under the Fair Credit Reporting Act

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: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Explanation of complaint : I graduated in 2007 and started paying my student loan. 
It was my understanding that my loan would be paid in 10 years and it has been over 10 years and I owe just a couple thousand dollars less than I started with. It states that my repayment is an income based repayment program and I am not sure how that happened. At this rate I will be dead long before it is paid off. I am sure that I have to date paid as much if not more then I owed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters to XXXX for the last XXXX months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from XXXX, almost seems like they're throwing my letters away. There has been XXXX response, I will attach my last XXXX letters sent to XXXX  to this complaint.

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 2020-06-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2020 I.C. SYSTEM, INC reported a debt of {$790.00} dollars for XXXX XXXX XXXX  XXXX XXXX on my credit report. First, I was unaware this account even existed, I never received any documents or letters about this account. I have lived at the same residence for 5 years now and the gas is NOT in my name. The reporting also violates the CARES Credit reporting Act along with the Utility Consumer Protections During California COVID-19 Outbreak.

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 2020-05-01
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I entered into an agreement to buy a home from DR Horton. They recommended we use DHI Mortgage company for the loan. My wife and I were both on the application and got pre approved for the mortgage. Since it is new construction it has taken some time for the home to be built. It is not ready. When the covid-19 pandemic hit my wife lost her job with XXXX and is currently not making any money. My credit score has taken a significant hit as well. I have reached out to  XXXX from DHI on numerous occasions through voice mail but she will not return my calls. The last email correspondence was on XX/XX/-20. Therefore I went to another mortgage company to inquire about the possibilities of going through them instead. I was told that my credit score is to low to qualify and was denied. I gave the realtor the denial letter to submit to DR Horton so that we could get the {$5000.00} binder returned since we don't qualify for the loan anymore. They in turn terminated the contract for the new home but refuse to release the binder to us claiming we breached the contract which is untrue. The truth is we no longer qualify. I called DHI yesterday and spok with XXXX who is the manager and XXXX 's boss. I requested either an approval letter from him or a denial letter. I have received neither. He was supposed to email me last night about starting the process but I heard nothing from him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2021-09-18
Company: Experian Information Solutions Inc.
State: NJ
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 A few hard inquiries that need to be remove due the fact this companies could never verify this hard inquiries belongs to my person or were made by 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 non-monetary relief