BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 


Fidelity XXXX XXXX XXXXXXXX I never had any services with XXXX XXXX XXXX I have provided my fraud package and never got a response and they keep verifying this fraud to the credit bureaus. 


I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: TOWNE MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Towne Mortgage is increasing my mortgage company by {$560.00} per month due to a clerical error on their end. They have drained my escrow account paying XXXX XXXX XXXX. They have not once called in 2 years to let me know there was an error in the amount they were collecting from me in escrow. A customer service representative named XXXX XXXX admitted verbally on the phone that Towne Mortgage has been paying XXXX XXXX ( as we agreed in escrow ) but they were not charging me in escrow since the day they dropped our mortgage insurance ( XXXX/XXXX/XXXX ). When our mortgage insurance was dropped by XXXX XXXX at Towne, she or someone else at the company accidentally took off our home owners insurance and did not tell us. They could have caught this problem the first time they paid out our insurance and multiple times after. If we would have been aware we would have told them something was wrong. We have trusted this company with our loan and escrow and never once gave consent for our escrow to be altered since buying our home in XXXX. The most suspicious aspect is the fact Towne has been paying out XXXX, but not charging us. This shows that they are unorganized and made the mistake. It seems pretty simple for them to find this error since they have paid XXXX multiple times. Instead they send us a new bill of almost {$600.00} increase with no explanation. I had to call multiple times and finally was told by XXXX XXXX that " it was an error on [ their ] end. '' We can not afford to pay an extra {$600.00} a month for an entire year. We would like to pay no more than {$200.00} a month until the debt THEY created by THEIR error is paid off. We have never missed a payment and have trusted Towne with our loan and financial asset. I would like for this to never happen to anyone else, but fear this company is so disorganized, they could let an error like this happen for almost two years. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, XXXX, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that Experian would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Transunion refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the XXXX to not disclose the furnisher of information. The entry of bankruptcy on my report is inaccurate. I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I disputed with Transunion. Transunion must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum possible accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Transunion does feel that they are above the law. So instead of deleting the entry, XXXX double down on not deleting. I want this bankruptcy deleted from my credit report because Transunion violate the law.

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 2019-10-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I disputed an account reported by : XXXX in the file you maintained under my social security number. 

I was informed in XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX I have discovered that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to modify payments with Ocwen Loan servicing LLC and got the run around and basically lost my mothers home that passed away. They promised me money to move after taking my deceased mother 's home that me and my brother tried to keep. I feel that Ocwen Loan servicing LLC ripped me off and stole my mothers home that she wanted us to try and keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have repeatedly told credit agencies for years I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX this has been going on for over 10 plus years now and I am quiet frankly sick of it. I have lived in the state of Georgia since the day I was born I have never lived in another state. I have enough paper trail that in court of law would prove I have always lived in Georgia and no where else!!!! Almost XXXX  year Ga resident no other state!!!!!!!!!!!!

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 2022-02-03
Company: Experian Information Solutions Inc.
State: GA
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 sent dispute notices for multiple accounts to experian, XXXX & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.

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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went to TransUnions web site on XX/XX/17 to place a lock our my credit reports. Directed to create an account, which I did. There was never any mention of any charge, let alone a reoccurring monthly charge of {$19.00} to do this. On top of that, when I attempted to lock my reports, an error message came up stating : " We are having trouble matching a TransUnion credit file with your personal information. Please contact TransUnion 's Customer Relations Monday & mdhas ; Friday, XXXX XXXX-XXXX XXXX. ET at ( XXXX ) XXXX ( press # 4 ). '' The credit information they had for me was correct as was my profile information so the above message makes no sense. 

Tried to lock my account numerous times and all failed. Finally called the phone number shown above, somebody took my social security number then hung up. Called their support number and they were of no help. Simply said to keep trying and had no idea who the above phone number belonged to. 

So now my identify seems to be in jeopardy due to their web site. 

There also appears to be no way to contact Transunion via email or chat. Have to call and sit on hold to talk to somebody that has no clue.

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 2017-07-27
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX I found BOA new account bonus information online as attached and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX verified the information I provided and opened a new check account for me, and told me I need to make direct deposit more than {$4000.00} per month to get {$300.00} bonus after 3-4 direct deposits. I have set up direct deposit $ 4200 monthly at the end of XXXX as attached. In the middle of XXXX XXXX XXXX XXXX me the promised bonus was on the way. I saw {$100.00} bonus on XXXX XXXX other than {$300.00} as attached and I made an appointment with XXXX. Last Thursday - XXXX XXXX, I told XXXX XXXX I only received {$100.00} which is a new account bonus, Mr.West seemed to try to find out what's going on. A lady who I guessed is in charge told me the bonus information was not true and I was told that the online AD was not from BOA. And then she printed out something for me as attached, obviously it is different from what I found in XXXX. After I showed her what I saw online back to XXXX, she told me that she would file a complaint for me to higher level, but I could not get {$300.00} as Mr.West promised in XXXX. 

My concern is that the bank should keep what they promised. The relationship manager XXXX XXXX should have told me from very begining if the information was not accurate. But XXXX XXXX kept promising. The bank should honor what the bank staff promised to the customers. 

I ask for {$300.00} bonus as promised from BOA. 

Thank you!

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 monetary relief
Consumer complaint received 2018-01-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''

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 2021-04-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a member of Class Action captioned XXXX vs. XXXX XXXX XXXX  and they have just settled for {$91.00} XXXX which covers my mortgage account number XXXX transferred from XXXX to transferee servicer Shellpoint/ New REZ Financial. Now Shellpoint has chosen to propound the XXXX violations committed during my loss mitigtion application, which now Shellpoint is interfering with " interest padding '' of over {$280.00}, XXXX above the unpaid principal balance of {$510000.00}, and by dishonoring a SNPO ( short note payoff ) approval in the sum of {$20000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My account was close on 2016 It was cancelled by me from a Capital One Company. This is my 4th time trying to dispute this Credit Card from my Credit. They not removing it or they dont want to, but I want them to understand it have been more than 2 years already on my Credit and I closed it. I dont own nothing either so whats the problem?.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Santander Consumer USA Holdings Inc.
State: GA
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NJ
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 wrote Equifax numerous letters in regards to inaccurate, incomplete, and unverifiable medical accounts that are reporting on my credit report. 

My first letter went out on XX/XX/2020 The second letter was mailed out on XX/XX/2020 The third letter was mailed out on XX/XX/2020 The fourth letter was mailed out on XX/XX/2020 5th letter was mailed out on XX/XX/2020 I haven't received any notice and response back from Equifax in regards to the medical items that reporting on my credit report and are impacting my credit file. 

This account is not reporting the name of the Original Creditor Name, Date of Last Activity is not correct and has been updated which is not properly correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: CT
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 summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

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 2018-01-05
Company: EQUIFAX, INC.
State: CT
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 summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
.XX/XX/2017 send written request for this company to provide physical validated to all three credit bureaus. This company has never sent this proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions 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:
On XXXX XXXX 2017 I sent written request to XXXX, XXXX, Experian requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

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 2018-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am getting really sick and tired of Wells Fargo. I had a dispute open for 6 months and they finally decided that I was resposbile for fraduelent charges ... I decided to go ahead and throw away my money and give them the min amount. I really wouldnt like to pay this bogus account, but in order to protect my credit, im going to throw away my money. almost 1,000 dollars worth of my hard earned money. BUT NOW, I cant even log into the account .... this is really annoying. And wells fargo keeps calling me to make payments!!!!! I told them i made a payment .... 

I am getting sick and tired of wells fargo stealing my money, but because my credit is more important, Im going to go ahead and give my money away to wells fargo ....

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 monetary relief