BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and  make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification on my credit report that a new account was opened in my name at American First Finance for {$3900.00} on XX/XX/2021. After reviewing, I noticed I was a victim of identity theft as several other unsuccessful attempts were made to open credit using my name and information. I immediately called American First Finance and spoke to an associate who advised me to fill out a fraud package on their website. I completed the package and submitted along with a police report on XX/XX/2021 to American First Finance. I was then notified a week later that the American First Finance account was now reported delinquent and now is negatively affecting my credit score. I'm in the process of buying a home and this has caused an issue with my lender therefore, I called American First Finance on XX/XX/2021 to see if I could get any additional information on the matter and the customer service representative ( XXXX in Kansas ) wasn't able to help me. When I asked for a supervisor, I was told she wouldn't speak with me ( XXXX  ) as I am not a customer and I just needed to wait. So I'm unable to speak with anyone and now my mortgage loan is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had paid my Best buy bill which was for a total of {$100.00} in store on XX/XX/2017. The due date is on XX/XX/XXXX. I continued to check my account balance for the entire week. No payment was applied. It had appeard as if I did not make any payment at all. 

The day before I called the XXXX customer service number. I made an attempt to send an email message. The Message included a reciept authorization number located on the reciept to show them I indeed had made a payment and the number was proof of payment. I recieved an emailed response claiming that there was no record of payment. 

I called the XXXX Customer service number located on the card. Once I was able to speak with a person. I was told that there was no record of payment. I explained that I had made an in store payment on XX/XX/XXXX and that I had the reciept in front of me. I also informed the person that I sent an email message the evening before. The person said I needed to be transfered to a specialist. I was on hold for about 3-5 minutes. I never spoke with the specialist. I was informed by the same person that told me I needed to speak with the specialist that they have my payment information on record and that I have a XXXX balance and that it would take 7-10 days to show on my account. I was also told that if a late fee is applied, that it 'll be waived. The person also claimed that this is not the first time this happened. I asked the person if there was any information they needed from the reciept before we disconnected from the call. I was told no more information was needed. 

This is my first negative experience after making an in store XXXX bill payment. I suppose there are issues with staff or processing payments. I 'm not sure which, either way this is an inconvenience for me who always makes payments on time and pays in full. My concern is that this mistake is going to be added to my credit report. Without any fault of my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original complaint submitted by me via CFPB on XX/XX/XXXX. Ad Astra responded for a XXXX XXXX on XX/XX/XXXX via CFPB. Second complaint filed via CFPB by me on XX/XX/XXXX. Ad Astra responded on XX/XX/XXXX that " In acknowledgement of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account was placed in a do not contact status per the ongoing dispute. '' I am requesting this account to be removed during this on going dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent my very first debt validation letter on XX/XX/XXXX via certified mail asking Kross, Lieberman and Stone to send me valid documentation proving that I owe them {$90.00}. I am aware that I used the Dental Services of XXXX XXXX back in XX/XX/XXXX. However, the charges were submitted and paid by my XXXX XXXX XXXX. I am unable to ascertain why I owe {$90.00}. In addition, the generic print-out that they sent actually shows that my dental insurance did pay. Are they balance billing me, if so, this is illegal. 

In response to their correspondence dated XX/XX/XXXX, I sent a second request for validation in XX/XX/XXXX via certified mail asking them to explain and breakdown the requested payment. The company simply sends me the same generic print out and in theIraq last response they included a copy of my drivers licence and a copy of my dental insurance information form. None of this helps me to understand their request for XXXX In addition, this bogus request has been removed from my XXXX and my XXXX credit files because the information they submitted for validation was insufficient. However, they are still reporting get erroneous information to 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 2019-07-26
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been on the IBR ( Income Sensitive Repayment program ) for approx 10 years. I live in a rural area. Beginning in XXXX, I started the reestablishment of that process that I have done many times. I ran off the application on studentloans.gov, filled it out and mailed it to XXXX XXXX, PA. I also signed a document of my monthly income and included it with the mailing. Approx one month later I received an email stating that my payment options had changed and I was  late on a payment. I called Navient to find out why and no one could tell me. All they could do was consolidate my loans. I did that many years ago! I forgot to state that I also gave them access to my income tax statement. I have talked to probably 6 different people and no one has explained why they are trying to put me in default. I also filled out the application online for IBR and answered their questions and it stated that I would qualify for no payment because of my lack of income, but, no one could tell me why they are not accepting any of my applications or proof of income. They keep saying I'm late on a payment and calling almost every hour!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afni, inc. collection showed up on my credit report on XXXX  without sending any correspondence related to the debt or my right to dispute the debt. This collection should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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 submitted several disputes to XXXX, XXXX and XXXX and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX XXXX sent a packet that included billing statements. The issue of inaccuracies was never address.

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 2019-07-26
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company claims I had 2 late payments made to them on different occasions. Payments were made on time and I can prove it. the First late payment they gave me was in XXXX of 2018 because they apparently do not accept partial payments. however, I made partial payments in XXXX which they accepted. I had paid {$300.00} on XXXX and {$560.00} on XXXX. That one seemed to be fine. Then I did partial payment of {$380.00} on XXXX and {$500.00} on XXXX. The payments in XXXX, cleared my bank, then Home Point Financial refunded the payments to me ( in 2 separate payments like i had to them, but by the time I got the refunded money, the mortgage payment was already marked as late. When I called the person explained to me when I did this in XXXX they accepted it and said a letter was sent out, but after looking further admitted that the letter was generated automatically, but was actually NOT sent out. So I had way of knowing this was not acceptable to make partial payments, which in my mind they had already accepted. 

The next late payment was in XXXX of 2018 as well. I made the payment on time, but noticed my credit score dropped because I was marked as late. I immediately called them, as they payments was set up through my bank, and had cleared. Come to find out, Home Point financial again admitted to failing to send me mail about them changing their name ( to the same name ) but different address. The person said they would fix my account, and they sent me a refund check for the amount they cash and I needed to resend it to the new address, but that because of the circumstance i wold not be marked late. i received the refund on XXXX, put it in my bank and set up the new payment for the earliest date possible and it went out on XXXX to the new company for {$880.00} Between these 2 occasions my credit score dropped over 100 points, and both times are because of Home Point Financial not sending me mail notifications, and admitted to it both times. I disputed through credit bureau but they did nothing, they did not investigate, they just saw that payments were late. I have improved my credit a lot over the last 3-4 years and this has destroyed it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage on a home in NY. I am selling the home and have requested the original mortgage abstract / title search from the mortgage holder. I contact Loan Care at XXXX on Tuesday the XXXX of XXXX  and was told I would receive the requested documents via email within 5 to 7 days. I called back on XX/XX/XXXX and was told that they meant 5 to 7 working days. I have called back today, XX/XX/XXXX and am now being told I must send in request in writing. Seems like a scam these companies play to force sellers / buyers to continuously have title searches done back the beginning of 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 explanation
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted several disputes to XXXX, XXXX  and XXXX   and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XX/XX/XXXX and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.

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 2019-07-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company claims that I have received written correspondence regarding this debt before it was reported to the CRA. I have never received any written correspondence but I have received a threatening phone call from this collection agency. This is a violation of the FCRA for not sending written notification regarding debt and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There are several issues - sorry if confusing. Wells Fargo and their attorney for the foreclosure have refused to speak to me. 1. I was on moratorium, then the moratorium was cancelled without notification. 2. After moratorium, I was on forebareance and trial loan modification period with payments of XXXX a month. They refused to take my payment several months in and cancelled my trial period, instantly leaving me 12 months behind on payments. I have since been denied loan modifications even though they had received the paperwork and confirmed it, the denied it. 3. The main issue is I received a loan modification several years ago, which Wells Fargo refuses to provide any information on. This modification EXTENDED my mortgage to 40 years. I DID NOT AGREE TO THIS OR SIGN OFF ON THIS. I did n't realize this had happen until I had read about it happening to others. The terms I agreed to are not the terms I have. I want to keep this condo, but am afraid of losing it to foreclosure and I have no one that can help me. I can not afford an attorney and they will not communicate with me at all. I have called their attorney 18 times to no avail. This is down right fraud and they need to be punished for this unacceptable behavior. It should be criminal.

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 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that Transunion changed their web page after the hacking news was brought to light on XX/XX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.

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