BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This is my final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2017-08-02
Company: Experian Information Solutions 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:
XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX XXXX. XXXX XXXX. XXXX XXXX It has been an on going issue this year alone with XXXX & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX the XXXX of XXXX I contacted my lender Lakeview Loan Company regarding my escrow overpayment. I was informed that the escrow team had not started on my overpayment and it probably wouldnt happen till the beginning of the new year. I enquired as to why this would take them so long to process my escrow return. The agent informed me that the company would also be preforming the escrow reevaluation at that time. I stated I understand and I would wait time after the start of the new year. On XXXX the XXXX XXXX, I received a letter from LAKEVIEW Loan company stating that I should have a check cut and sent out within the next 20 business days. Due to holidays and weekends I waited till XX/XX/XXXX, to contact LAKEVIEW Loan company regarding my overpayment check and the fact my escrow amount was evaluated as increasing. I questioned why the check had not been cut as of yet and was told the check definitely should have been cut. The LAKEVIEW Loan agent stated that they would put in the order to cut the check and it should take 48 hours. I then addressed the fact my escrow amount increased even though I do not pay property tax under the states homesteading laws. The agent stated that they would put in a request to do a reevaluation of my escrow. I stated that would be fine. It is now XXXX the XXXX XXXX, i emailed LAKEVIEW Loan company that they still have not cut my escrow repayment check or reevaluated my escrow payments. I informed LAKEVIEW Loan company that they had 48 hours to rectify these issues or I would contact the CFPB regarding the violation of XXXX. It is now XX/XX/XXXX, and I still have not heard from LAKEVIEW Loan company regarding my escrow repayment. During these uncertain times the money that I have overpaid my Loan company could really be used to help my family.

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 2020-09-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and 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 non-monetary relief
Consumer complaint received 2018-07-13
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a ( QWR ) QUALIFIED WRITTEN REQUEST : XX/XX/2018 Please provide all documents for this loan to include payment history made by borrower and all payments to others made by loan servicer on borrowers behalf Please provide all documents and statements for all three modifications mentioned, to include all settlement activities as provided by RESPA, and any cost as provided by RESPA Please provide all fees and charges paid to others on borrowers behalf and to whom the fees were paid and why to include a breakdown of those fees, check copies front and back, who requested such payments with copies of request and who authorized same.

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 2021-02-08
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is applying our excess payments to the next month 's mortgage payment instead of paying down principle. This practice ensures they receive the interest and escrow payments, and shorts my attempt to pay the mortgage off early. 

I've contacted them repeatedly by email and phone, to request all additional funds to be applied to my outstanding principle. Looking at our account history online, it is very difficult to determine how funds were applied following Wells Fargo 's numerous corrections. 

I do not have a record of all communications, but my last interaction was messaging via the Wells Fargo website on XX/XX/2020. I was assured the problems were permanently corrected. However, looking at the transaction history for my XX/XX/2020 payment, there are three entries, this is how the funds were applied ... again : Amount Submitted : {$4400.00} Actual Monthly Mortgage Pmt : XXXX Amount to be applied to outstanding principle : XXXX Actual distribution : Principle ( XX/XX/XXXX ) : {$1000.00} Interest ( XX/XX/XXXX : XXXX Escrow ( XX/XX/XXXX ). XXXX Principle ( XX/XX/XXXX ) : XXXX Interest ( XX/XX/XXXX ) : XXXX Escrow ( XX/XX/XXXX ) : XXXX Outstanding principle : XXXX Expected Principle Reduction : {$3200.00} Actual Principle Reduction : XXXX Difference : XXXX We prioritize paying off our greatest debt early in order to free up that money for retirement, and we have been diligent in doing so. Wells Fargo 's misapplication of the funds ensures their revenue stream at our expense. Effectively they are penalizing us for early repayment. 

I will submit a copy of my most recent communication if needed.

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 2018-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation taking more than 30 days on a dispute items i sent to XXXX and equifax cra violations of my rights inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NC
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 in the process of getting a mortgage. 
I disputed the accuracy of a XXXX XXXX account that has been closed since 2016, but Experian was reporting it as open. 
XXXX XXXX has submitted the correct information regarding the date the account was closed, but Experian logged it in as a recently closed account which dropped my score 26 points. This account is not recently closed. It has been closed since 2016. XXXX XXXX provided that information. Now I have to redispute this account and wait another 30 days? I dont have that kind of time. This is Experians error and they need to fix it. I contacted Experian to request a supervisor, its been 3 days and no return call.

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 2021-06-23
Company: Experian Information Solutions Inc.
State: SC
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 AT EXPERION CANT ADD, I AM AT LESS THAN 15 % ON OPEN ACCOUNTS HAVE STELLER HISTORY OTHER AGENCY 'S HAVE ME AT XXXX PLUS ARE YOU SLOW OR PERHAPS XXXX TOO MANY BLONDS WORKING???

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 2022-08-06
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a new complaint. 

This matter involves I, XXXX the living man, ( consumer ) a victim of ALLY FINANCIAL BANK, INCS ( AFB ) deceptive practices by falsifying ; altering a signed contractual instrument with the intent to defraud. 

On XX/XX/2022 I submitted a complaint to the CFPB. 

On XX/XX/2022 AFB presented an altered contractual instrument ; deceptive forms to the ( CFPB ), Case No. XXXX [ Exhibit A ] with forged signatures after signing vs consumers copy which has no such signatures nor stamps. [ Exhibit B ] Also, I would like to mention I am a victim of XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) misconduct in connection with the extension of my credit ( s ) ; by reporting fraud on my credit file & consumer report without proper verification nor investigation. [ Exhibit C ]

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 2021-02-24
Company: Debt Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DEBT RECOVERY SOLUTIONS has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It appeared on my XXXX credit report on XX/XX/XXXX, with a opening date of XX/XX/XXXX. This is false information, as I have no knowledge of any debt from the original creditor of " Check Into Cash ''. Which appears to be some sort of payday loan provider, which I do not have any knowledge of obtaining any payday loan of any sort. This original account is over the statute of limitations for California, as well as being past the time in which it is allowable to be reported to my credit reports. The information showing on my credit report is as follows Account : Account # XXXX Alleged balance : {$6000.00} Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  and Experian continues to report a Chapter XXXX Bankruptcy discharged on my credit report. I did not file bankruptcy and paid my debt off on my own. The Bankruptcy Court indicated they do not furnish information to the credit bureau or any third party, therefore, can not request information to be removed. The credit bureaus are falsely claiming they received this information from the court and that the court has verified the information. This is a violation of the Fair Credit Reporting Act and I am requesting that the bankruptcy be removed from my credit files. I have contacted Experian and XXXX several times and provided them with documentation from the court and they refuse to remove the bankruptcy 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 2020-08-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX complaint # XXXX. 

This is unacceptable!! That's the same story we've heard for years ; then they never respond formally. They leave harsh, demanding words in my voicemail.. And they threaten to take XXXX to court if he doesn't pay as soon as possible, and they've been threatening for many years! We need to have this resolved because it's preventing us from purchasing a home. They have all the proof they need ; I guess if you as a government agency, that works for the people instead of the collection agencies, are giving them 60 days we have no choice to take them to court. We don't have money to pay any court costs but we're gon na have to scrape up from somewhere. I beg you to please don't give them anymore time they'v had plenty of time to make some calls, and by the way this is the third time we've sent these documents throughout the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off 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 2020-01-28
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My Social Security Number was lost at a point in time around XXXX of XXXX. When I started receiving stamens in the mail for a QVC account that I have never once viewed nor purchased one single item ever. This has now affected my credit and I don't know who is purchasing items. 
Im currently XXXX and have only once ever tried to do anything to impact my credit. In XXXX i applied for a in store XXXX XXXX credit card. Was immediate approved. Now my credit is XXXX. Im so lost on how this can happen and my credit has fraud activity.I didnt even know what QVC was untill getting statement letters in the mail for items ive never purchased or received. please help.

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 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In late XX/XX/XXXX, we called Capital One to make full payments on four of our credit cards. After noticing for a few days that payments were not going through we call them to make sure everything was fine and they assured us that because it was four accounts that were paid at once it will take some time for it to process. A few more days went by and we still noticed our payment was not being withdrawn from our account so we called again and were told the same thing. On XX/XX/XXXX we received a letter stating that two of  the accounts will be closed because the activity on this account was not consistent with the expectations for account usage. When we call capital one to see what this letter was in regards to they explain that because our payment did not go through due to incorrect account numbers the accounts were being closed ; we explained that we noticed payments were not going through and that we called twice and we were told by them that everything was OK so it was unfair for them to close the account. They suggested we submit a claim for each card requesting for these accounts to be re-open which we did. Capital one did agree to reopen our cards and told us to wait for a phone call it which they ask for more information to then reopen the accounts. We waited and waited and received no phone calls. We called and were told that they tried calling and we didnt pick up. After that I made sure to pick up every phone call regardless if I knew the number or not. After not receiving any phone call, we called capital one and were told that someone was going to call us at XXXX ; after not receiving the phone call I called and was told that the representative that was suppose to call us was currently in a meeting but that they were going to send him an email and attach his manager so it becomes a high priority and he can call us. We were told maybe later on that day we would get a call. We did not receive a call. At this point we were told that due to no one answering the phone they closed the claim and request to open up the cards ; and that we would have to restart the process and submit a claim to see if capital one wanted to accept this appeal and reopen our cards. 
We made our first payment around late XX/XX/XXXX we are now mid XX/XX/XXXXand no one cares to resolve this. We have been trying to purchase a home and this has been holding down my credit score. This is going on 4 months and everyone just passes the bucket to someone else and no one really does anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Services ( SLS ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX SLS sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. XXXX XXXX XXXX contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the XXXX XXXX XXXX  that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.

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