BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection in the amount of XXXX from XXXX XXXX XXXX under sa-bit ent inc. This has been on my XXXX  report for 3 years and should be removed as it was removed from XXXX. Over the limit to appear on report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: AL
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 LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This goes on every other month with Transunion. It does not happen with the other credit bureaus. Every time my school loan increases due to interest accruing, XXXX drops my credit score ( 88 pts this time ), using the excuse that I may have missed a payment. However, my school loans are in deferment until XX/XX/19, so I do not pay until then. There answer to my inquiry about this matter was met with the scores are calculated based on reporting from my accounts. If that's the case, ALL MY ACCOUNTS ARE IN " GOOD STANDING ", and I've never missed a payment. Again, I don't go through this with XXXX or XXXX. I need to find out what the problem is with Transunion.

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 2019-08-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was totaled on XX/XX/2019, and my insurance paid {$4100.00} more than what was owed on the vehicle. I was assured by Toyota financial services that I would receive that overage amount. TFS received the payment from my insurance on XX/XX/2019. I have called more than 15 times about the status of this check and so far have received nothing. I spoke to a manager on XX/XX/XXXX and he assured me the check would be sent that day. I never got it in the mail so I called again on XX/XX/XXXX and was told it would be 10 business days. I called another time on XX/XX/XXXX and was told another 10 days. I called today XX/XX/XXXX and was told the account was not closed and the check had not been sent and that it would be sent in 10 business days, So I emailed the manager I originally spoke to and have not gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously disputed the late payments reported on my credit report by this company XXXX XXXX with experian and nothing was corrected. 
I took out a small personal loan with XXXX XXXX over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. Upon checking my credit report, I found that XXXX XXXX reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, and was told that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. Report my account as current, and remove the late payments from my payment history. I was affected by covid and used the tools available by the lender to reschedule payments. This is affecting my ability to buy a home for 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I've been trying obtain a copy of my TransUnion SmartMove report. Online, the website directs people to call in to obtain the report, but when you call you are told you have to email a copy of a photo ID to a blind-box email, meaning the information will be available for potential identity theft. After being on the phone with them for more than 20 minutes, they offered that I could Fax or email a supervisor directly. But it shouldn't take a 20 minute call to figure out a safe way to obtain my publicly available report to which I am entitled under the law.

They offer no secure website by which to submit the information, or any other way to verify my identity that doesn't involve sharing confidential information via email or fax. That's crazy.

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 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Capital One numerous time regarding a charged off account that is reporting on my credit file. This account does not belong to me and i have requested a copy of validation and verification of the debt including a signature or authorization. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX credit services charged against my debit card in the amount of {$19.00}. The bank reversed the charge via investigation and blocked XXXX. On XX/XX/XXXX XXXX again charged my debit card {$19.00}. This time the bank blocked my debit card and forced me to go inside the bank to withdraw from the account. 

This causes a financial hardship in so much as that since my account was opened with this bank, my identification card expired, and I am caught up in red tape with the identification bureaus as I wait for identifying documents to obtain a CA ID Card, a USA passport, or another Military ID card. This wait has been since my identification card expired on XX/XX/XXXX. 

Meanwhile, my debit card is blocked, my direct deposit from my job will continue to deposit into my account, and I am not able to withdraw because the customer service department blocked my card due to the fraud of XXXX  and the subsequent charge at my debit card since the unauthorized purchase in XX/XX/XXXX.

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 2021-03-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy on XX/XX/XXXX. My daughter calls me today, XX/XX/XXXX and informs me that she is receiving calls from Capitol One about me. They told her that I had a civil summons and owed over 11,000.00 to them and they want the money. First, I didn't owe that amount that is several thousands more than what my credit limit was and my credit card with them was not even maxed out. This account was discharged in bankruptcy almost 3 years ago. Capitol one has my phone number. Its the same number that I have had for years. They could have called me and discussed this with me and not with my family members. This is not the first time a family member called me and told me that Capitol one was calling them trying to get the money. If Capitol One continues with contacting the family and others, then I will have to sue them for harassment, threats, lies. This needs to stop and stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This past Friday ( XX/XX/2019 ) I was the seller for a transaction closed by Quicken Loans and their attorney XXXX XXXX XXXX of XXXX MA. When I received the seller CD I noted two junk fees totaling {$250.00}. I requested they be removed but they were not. I requested a check for my proceeds be brought to the closing but was told the attorney had no checks and therefor he needed to wire the money. He sent the wire at the end of the day even though the transaction went to record at XXXX XXXX The wire was credited to my account today ( XX/XX/2019 ) and was short {$740.00}. The amount did not equal what the seller CD said I would be getting. I emailed both the closing attorney and my attorney first thing today. Having not hear anything for a few hours I looked the attorney up online and learned that the email address provided on the CD was not his work email. He has an email address and the domain for his law firm but gave a XXXX email address on the CD. The are multiple violations of TRID an probably a criminal complaint for the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the process of attempting to purchase a house my mortgage company attempted to receive my credit score from Equifax. They were unable to obtain it, due to an incorrect reporting of another individual using my social security number. I contacted them and attempted to fix this issue and did as I was instructed : submit a copy of my drivers license and social security card by fax as well as a cover letter stating why i was submitting these documents, and to whom they were being sent to. I submitted these documents Monday XX/XX/11 and was told it would take 3-5 business days. I then contacted them on the 3rd, 4th and 5th business days only to be told they do not have the documents and to resubmit them on those days. I have resubmitted these documents by fax multiple times and have confirmations of receipt by the number I have been given by the representatives. This process is greatly effecting my ability to purchase a house and I have done everything right. So Im just concerned about where my I formation is going and why this company can not fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX XXXX  Wellls Fargo raise my monthly payment on my home. So I loss my home.

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 2020-07-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XXXX of 2020, I sent a letter requesting more and certain info about this debt. The company did not send all info requested. I sent another letter in XX/XX/2020 requesting this info again and stated that if not received within 30 days, they must remove from my credit report. They never responded and I filed a dispute on XXXX  and they did not even look at the letter I sent them nor did they remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Sunshine State Credit
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently, I am being sued for XXXX dollars which have now gone up to XXXX. Sunshine state credit has pulled credit report that shows the right information twice and sent lawyer wrong addresses to be served. 

I feel I should not have to pay the remainder of the loan because I have never completed my service. I am still trying to get my XXXX completed and now I have to pay for my account twice. XXXX XXXX XXXX, the company that the loan was given to, sold the company without leaving a balance. I have asked their attorney in XX/XX/XXXX2018 when I was first contacted and XX/XX/XXXX2018. I've attempted to email the lawyer as well on XX/XX/XXXX asking for the client to work with me. 

The problem is that the attorney has my bank account and my son 's bank account frozen. Florida law states garnishments can be no more than 30 % of income. I had asked the lawyer to remove the garnishment on my bank account and he refused. I have a child to take care of.

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 2018-03-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someon had pulled the unathorized hard inquiry on XX/XX/2018 on my credit report and I want them to be removed on all the credit bureaus

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 2019-02-21
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know who XXXX XXXX XXXX is? But GLA verified this collection twice. I also mailed a direct letter to XXXX, XXXX XXXX XXXX, but no response to my questions. I thought the furnisher had 30 days to respond to a direct dispute?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You are aware, counsel that the crime of fraud in the mortgage servicing is against public law and I humbly request an investigation in order to save my property, as my ex-wife did not sign any document committing the subject property. 

Since XX/XX/XXXX I filed a complaint with the CPFB Case # XXXX XXXX XXXX, this matter has never been resolved. The reason being the pattern and tactics the companies used and continue to apply to invade State and Federal in my case up to Case # XXXX with Shellpoint Mortgage Servicing. May I understand a fair solution Shellpoint provided the CFPB to date in my case? 

My complaint is that over the years all of the solutions I presented and explored were denied. Moreover, these companies have never presented to the services of your good office a resolution or work on one with me to date. On XX/XX/XXXX, I was in court to postpone the target. The court instructed me to come up with a solution before the XX/XX/XXXX sheriff Sales. 

In view of the above, the only solution that I have is to pay the full amount of the principle of mortgage note debt of {$20000.00}. I need the sales postpone pending an answer from the FBI office concerning my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Midwest Recovery Systems
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is extremely old. It is past the time frame to be reported on my credit report. This item is at least 10 years old yet it appears as a new account for 2019. This is fraudulent and is ruining my credit. This item needs to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Long & Foster Financial Services, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prosperity Home Mortgage XXXX " XXXX '' XXXX originated my loan. When I went to make my first payment in XXXX, I realized only after mailing the check that I had dated the check as " XXXX '' instead of " XXXX. '' I contacted XXXX to ask them if they would accept the payment. The indicated that could not and that I would need to make an online ACH payment. 

XXXX actually ended up cashing both the mailed check and accepting the online ACH payment, so they received and accepted XXXX mortgage payments in the month of XXXX. XXXX then sold both the mortgage and its servicing rights to XXXX XXXX. 

XXXX failed to credit both of these credits to my account upon receipt as required by of XXXX CFR XXXX ( c ) ( XXXX ), and failed to transfer accurate and timely information relating to the servicing of my account ( XXXX CFR XXXX ( b ) ( XXXX ) ). 

XXXX claimed to have wired the second payment to XXXX XXXX, but provided no documentation. XXXX denies receipt of either the payment or any information about the XXXX  payment. 

On XX/XX/XXXX, I sent PHM a Notice of Error pursuant to XXXX CFR XXXX, which PHM acknowledge receipt of. 

Now, as of XX/XX/XXXX, PHM failed to respond to the Notice of Error in the time period required by XXXX CFR XXXX XXXX XXXX ) ( XXXX ) ( i ) ( c ). I was also not notified of an extension of the time period ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( ii ) ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make payments within the assign payment date I even pay more on my account have been since I have had the car and still being charge late fee 's i have tried to work with them i have paid over {$14000.00} and {$2000.00} been in late charges because of mis- communication of paper work.

Company response to consumer: Closed with explanation