BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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:
For some reason this company XXXX XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I am receiving unwanted email marketing from Capital One. I attempted to unsubscribe, and was told " Our system is temporarily unavailable, and were unable to process your request at this time. We apologize for the inconvenience. Please try again later. '' 15 U.S.C. 7704 requires senders of unsolicited commercial email to provide a working opt-out mechanism. Capital One has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted about a collections account and I reached for verification of debt and explicit request to make sure this was verified and not reported to my credit pending proof. 

Company did not respond nor verify and have the information on my credit. Will sue if not removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/20 I RECEIVED A PHONE CALL FROM A DEBT COLLECTOR NAMED XXXX XXXX AND SHE SAID SHE WAS CALLING FROM EVERGREEN COLLECTIONS. SHE ASK FOR MY BY NAME AND I SAID YES ITS ME BUT THEN PROCEED TO DISCLOSE MY INFO WITHOUT PROPERLY VERIFYING IF THIS WAS ME OR NOT AND WHATS WORST SHE DID NOT GAVE ME MY MINI MIRANDA RIGHTS REQUIRED BY LAW TO DISCLOSE ON EACH AND EVERY CALL. 

I CALLED BACK AND ASK TO SPEAK TO A SUP AND XXXX GOT ON THE PHONE SAYING HE WAS A MANAGER AND INFORMED HIM ON HOW HIS COLLECTOR DID NOT VERIFY ME AND DID NOT DISCLOSE THE MINI MIRANDA AND HOW THIS IS A VIOLATION PER THE FDCPA. XXXX SAID HE WILL CHECK INTO THE RECORDING AND HE STATED HE WILL GET BACK TO ME AT HIS EARLIEST CONVENIENCE AND I TOLD HIM THAT WAS NOT ACCEPTABLE AS THEY ALWAYS CALL ME AT EVERY HOUR. I ASK TO SPEAK TO HIS SUPERVISOR AND HE STATES HE WAS NOT IN AND REFUSED TO LET ME SPEAK TO ANY OTHER PERSON BUT HIM AND PROCEEDED TO LAUGH AT ME. 

I INFORMED HIM I WILL CONTACT THE ATTORNEY GENERAL AND THE FDCPA SINCE HE WAS NOT WILLING TO RESOLVE MY ISSUE AND WHAT HIS COLLECTOR IS AGAINST THE LAW. 

I WANT THESE COMPANY TO PAY THE {$1000.00} FINE FOR NOT DISCLOSING THE MINI MIRANDA AND WHAT OTHER FINES MAY BE ADDED FOR THEM NOT PROPERLY VERIFYING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH said they were now serving my XXXX from Ocwen but I got no written notification. PHH has reported that I was late for three months on my mortgage which was untrue as I was sending payment through auto pay to Ocwen which did not send them to PHH. This happened between XXXX XXXX time frame. I contacted Ocwen when this showed up on my Credit report whom referred me to PHH. I contacted PHH as I and XXXX XXXX where deployed out of country and made the missing payment as I awaited Ocwen to return the payment. PHH claimed I did not make XXXX and XX/XX/XXXX payments But I can prove the payments did go to PHH. They also are not honoring XXXX XXXX SCRA orders provided to them in XXXX. I tried to make a mortgage payment an hour amok and they have disabled once again my ability to make my mortgage payment as they are fraudulently trying to get late fees from me. This is a disservice to me as a consumer not being allowed to make a timely mortgage payment and for phh to affect my credit by saying I've been late 4 times. This is erroneous and misleading information that I believe is racially driven and fraudulent to collect undeserving late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY 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 2020-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the day of the incident. I was alerted by XXXX via email that a purchase of {$3700.00}, XXXX XXXX  dollars was posted to my account. By this time the email was too late because the criminal had already taken the money by the time I noticed. 
I've promptly tried to contact immediately XXXX but they were only email-based and had them close/lock the account. At the same moment, I have phoned the committed fraud to Bank of America, where my money resides, to open a claim. Stating that I didn't authorize this transaction and had no idea it had happened until the email from XXXX was received while I was out for dinner that day. Afterward, I tried to file a phone police report to the county but was asked for a document from Bank of America to be sent over, saying something along the lines of there was a fraud committed and so forth, I mentioned the claim is was freshly opened and has not resolved, so I was turned away at that time. Fast forward to XX/XX/2020 the case opened by Bank of America was closed and was not in my favor which makes no sense whatsoever, because I wouldn't empty out my bank account in one day especially when the the account in question is used for mainly for bills and mortgage. The reason for the case being closed was because I used the site before, but even then I have never even made large purchases such as this. So now I'm just dumbfounded and XXXX. I called back to Bank of America and was put on hold for hours due to COVID submitted the police report again to reopen the case and it has been over 30 days since I did that with no word from Bank of America and they said over the phone they received the police report etc. So now here I am filing 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 monetary relief
Consumer complaint received 2017-07-08
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Account information incorrect

Complaint:
Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: GB Collects, LLC
State: NJ
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/XXXX I enrolled in XXXX  insurance with XXXX of New Jersey. In XX/XX/XXXX I started work again and obtain insurance from my work. I called XXXX to cancel the coverage in the same month with the intention to cancel the entire month. Due to miscommunication or lack of proper communication from both sides they used the date I called as the cancellation date. I don't have any confirmation from them that of what date they used to cancel the coverage nor did i received further bills or invoices. If i had I would have corrected the above mentioned miscommunication. On the first week in XX/XX/XXXX I received a letter from the GB collects demanding the payment of {$600.00}. I immediately called GB collects. I explained the above and they suggested I called the market place XXXX to request the cancellation date to be turn back to XX/XX/XXXX ( one month ) as I was cover by my work insurance from XX/XX/XXXX. They refuse to change and told me i had to call XXXX. I called XXXX and they told me I had to open a written complain in their website. I tried doing that but the website said this kind of complain had to done by calling the number above which i already called and they did not help me. I don't feel I should pay for something I did not need and never used and especially after almost 2 years have passed since then. Hope you can help. Thank you. XXXX XXXX

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Midwest Recovery Systems
State: NC
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 took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at  XXXX    XXXX   and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTING  US FR OM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX   XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX   XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

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 2020-09-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA loan is with Nationstar aka Mr. Cooper I am or was in the process of doing a VA streamline refinance of my VA loan with my current lender Nationstar. I started the refinance process on XX/XX/2020. I was approved of the refinance and a rep from Mr. Cooper said, " it usually takes two weeks to complete a VA streamline refinance but because of the increase of refinance applications around the U.S., it  would take up to 30 days. '' On XX/XX/2020 i called mr. cooper to ask for a status update of the refinance. a rep said, " we are still behind, make a payment on the current mortgage again with the same rate. '' XX/XX/2020 ( 60 days of processing ) i call and i receive the same statement, " we are still processing the refinance again. make a payment and wait. we will call you when we have closing details. '' i wait ... XX/XX/2020 ( more than 90 days processing ) a new rep calls me and apologizes and stated, " I will have me closing in XXXX. Make another payment. '' I told him, no i want to speak with a manager. the manager says we have to write another refinance application. I said i disagree. You had everything you needed from me  in XXXX. After pulling my credit, asking me to make payments on the same interest rate while they were processing the refinance. And now we start all over again??? in XXXX? Please get me in front of a judge for fraud and to get my money back. Please help. thanks *below is more information amount of mortgage is XXXX at 4.25 int rate. they have already cost me thousands over the last four months. 
Actions taken ... in XXXX, the last time i spoke with a rep from nationstar, i told them about what happened about the refinance that was mismanaged and lost. they said, " we do not assist with that. make a payment. '' i told them to record or copy this statement. I will not be making another payment under the same terms and conditions because the contract was null and void. they had committed fraud and i want to speak with someone who can resolve the refinance problem. i have not spoken or received a phone call from Nationstar.

Company response to consumer: Closed with explanation