BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!

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 2022-08-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was in a XXXX XXXX  and XXXX XXXX XXXX 
On XX/XX/XXXX I lost my XXXX 
XX/XX/XXXX, I filed for Forbearance with my mortgage company and was informed that I could make partial or no payments each month and too I would be able to place the amount owed on the back end of the loan. Since I was getting XXXX, I was able to make partial payments from XX/XX/XXXX to XX/XX/XXXX by calling the Mitigation team. I applied for a Modification to continue the forbearance. I did not make a partial payment in XXXX only but made partial payments for XXXX and XXXX. 

In the mean time I had applied for XXXX in XXXX XXXX. XX/XX/XXXX I was approved to receive XXXX ( XXXX XXXX XXXXXXXX XXXX ). I added the XXXX approval letter on the Mortgage company website and I called Mortgage Companies Lost Mitigation Department as well explaining that I was now receiving XXXX  and would like to discontinue with the forbearance. I also requested the loan be placed on the back end of my mortgage and to receive access online so that I can pay my mortgage. 

Since XX/XX/XXXX, I am still having issues when I contact my Mortgage Companies Lost Mitigation Department and their Relationship Manager to assist me with placing the loan on the back end of the mortgage and being able to pay my mortgage online. Every time I speak with someone they say, " We are XXXX  your documents for you sign and you will receive the by this date '' or " We are sending the documents '' and the documents never come. Citizens sent it to a Notary and I was not informed. The Notary called me to sign papers and she could not tell me what they were for so I thought it was a hoax and blocked her from calling. I called Citizens about this and ask that they send me the documents to look over and get them signed but they will not send me the documents. 

In the meantime, I have been making mortgage payments in full on XX/XX/XXXX up to XX/XX/XXXX by calling in to Lost Mitigation Department each month and making payments. They had placed me on Forbearance again for XXXX through XXXX of XXXX and told me not to pay for these months. I have held on to XXXX and XXXX payment. 

At this time, I still have not received any paperwork to sign. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was with XXXX Mortgage from XX/XX/2020 until XX/XX/2020. The loan was sold to Nationstar Mortgage effective XX/XX/2020 XXXX paid {$29.00} interest on my escrow account and reported the same to the IRS on a 1099 form. Nationstar Mortgage paid {$5.00} interest on my escrow account, however reported {$35.00} to the IRS on a 1099 form. THIS IS A MISTAKE AS THEY REPORTED WHAT THEY DID NOT PAY. As a result the interest I made on this escrow account has been falsely reported to the IRS, therefore it will screw up my tax return!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Navient Solutions, LLC.
State: OH
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:
A debt collector contacted my house about one of my neighbors. I have told them to stop calling my house. I don't think it's legal what they are doing. They have contacted other neighbors as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please investigate and delete disputed item that is listed on my consumer credit report : XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: PulteGroup, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 I engaged in a consumer credit transaction. With Pulte for an alleged mortgage loan. As a consumer this was a violation of my rights and fraudulent on Pulte behalf due to them not being able to loan money and only borrow pursuant to 12 USC 1431. Pulte required finance charges in said alleged loan that did not include insurance premiums and still required a cash payment at closing which violates 15 USC 1605. Beginning XX/XX/2018 I began receiving notices from XXXX XXXX stating my alleged mortgage had been sold by Pulte. I had not consented to my information being transferred and this is a violation of my rights and identity theft on their behalf.

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 2018-08-29
Company: Ad Astra Recovery Services 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 information incorrect

Complaint:
I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Back in XX/XX/XXXX I mailed a written letter to XXXX and asked to be permanently opted out, because I was receiving unsolicited mail from CapitalOne. However, today XX/XX/XXXX, I  received yet another offer from Capital One for their credit card. What do I have to do to get these predators to stop harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I contacted XXXX, XXXX and Transunion in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified USPS and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
at the time the account was opened my son was injured XXXX. The debt went to court at the time the circuit court judge threw out the judgement but the company has yet to remove this medical debt off my credit furthermore they are in violation of the HIPPA privacy act by placing medical collections on my report of the public too see which is in violation of my rights the company needs to remove off my credit report and also remove the negative markings the debt or judgement has been finalized.

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 2020-11-03
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
Account Info XXXX over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX N N N N N N N N N N XX/XX/XXXX N N N N N N N N Negative Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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:
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

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 2020-11-12
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/20 we entered into an agreement with Amerisave Mortgage to refinance our home. We told Amerisave that we would pay closing cost, that we did not want that amount rolled into the loan. We gave them all the information that was requested such as bank information, insurance information, brokerage statements, tax returns and copies of drivers license. 
About 2 days later Amerisave sent an appraiser out. We received a copy off the appraisal the very next day via email. And although we contacted our representatives about every 4 or 5 days we didn't hear anything about our loan. The loan originator just kept saying that they were working on it. Finally, we received a closing disclosure dated XX/XX/20. It stated that the closing date XX/XX/20, and disbursement date XX/XX/20. The loan amount was for more than we requested. The closing costs seemed fair, but the biggest error on the document was the payoff amount to XXXX, our current mortgage company. The amount was overstated by at least {$1000.00}. We tried over and over to get these two amounts changed and we got nothing. We received two other closing documents after this and the payoff amount kept going up. On XX/XX/20 we closed on the loan. Our disbursement date was XX/XX/20. Today is XX/XX/20 and XXXX has not been paid. We can not get answers from Amerisave. They don't know what happened. We reported Amerisave to the XXXX XXXX XXXX and they did not respond. No one at Amerisave will take responsibility.

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 monetary relief
Consumer complaint received 2018-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: SC
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 sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is trying to get payment for things that were discharged By XXXX XXXX   almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 exercised my rights using 609 ( a ) ( 1 ) ( A ) and 611 ( a ) sections of the fcra. The company did not comply with the laws and they said they verified my accounts through a third party wich is not a physical verification. I contacted the original furnisher and they said that information is not reported to the credit reporting agencies by them. And if there are requests by me to get them to verify information is inaccurate in the court systems, they must request the court to evaluate whether the information is correct and that did not happen. There would be documentation sent to me by the court that the verification took place and it did not. I will enclose a letter from The court that show my information is not being physically obtain and Transunion is violating my rights to dispute.

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 2021-02-15
Company: STERLING JEWELERS, 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:
The past due amount went to a creditor and I currently pay biweekly on this account, bringing my loan balance down each 14-day period. This report continues to show a delinquent amount with non-payment. I pay on time every 14 days to XXXX XXXX. Neither Kay Jeweler or XXXX XXXX  will remove this from my credit, or update the balance each time I make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Pacific Union Financial, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation