BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage offered me a forbearance in XXXX under COVID Relief. I had no knowledge of the program until they informed me the loan was a VA loan and I eligible. They were aware I was a successor and Executive of the Estate as my sister passed in XX/XX/XXXX. They had approved me as a Successor in XXXX. They spoke with me every month from XXXX, approving me for continuance each month. They gave me a list of options prior to starting the forbearance. At the end I selected the rent being placed at the end of the mortgage. I use this time to make many repairs as I was using the home as a transitional home for XXXX Veterans. When I selected this option, they informed me that they had mistakenly approved me and demanded the 12 months payments in full. At that time it was approximately {$27000.00}, they refused payments demanding full payment and since that time they have tried to foreclosed and increased fees to {$54000.00}. They had the property appraised over 80 % of the value informed me I couldnt short sale because I had too much equity, which was false. I put the house on the market based on their false value from XXXX to XXXX, I couldnt sell its it was overpriced. After debating this appraisal, which no one ever visited to see the property, the sent out s second appraiser in XXXX. The house was only valued at & XXXX compared to their appraisal for {$480000.00}. I disputed the foreclosure in XXXX, but still being charged the fees. They said they would work with me after the second appraisal ; however, they had started the foreclosure and scheduled it for XX/XX/XXXX. Their predatory schemes has caused me pain and suffering. Their mistake will cost my sisters grandchildren to lose their legacy. When I call them, I am being misled snd misinformed. They should honor the agreement that was signed. They have been misleading, misrepresenting policy and unfair. I dont feel like I should lose the property based on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is numerous unauthorized information on my credit report which are addresses, phone number, names, and accounts, I am very devastated about this and need this to be quickly investigated. there is a fraudulent account that was placed by MIDLAND CREDIT MANAGEMENT. Also there are several inquires on my credit reports. I have contacted all 3 bureaus to let them know about this matter. 
I started having issues ID theft in XXXX but did not realize it until I pulled mt credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX, current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
many fraudulent accounts are reporting under my equifax credit reporting agency, these are accounts that i did not open and were opened with out my knowledge, these are accounts that i never inquired it was opened with out my bearing signature and XXXX knows who has opened. please i have been disputing these few accounts ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX AND TWO XXXX XXXX XXXX XXXX i have been disputing these irrelevancies for four months now, i call creditors they do not have anything under my name and address, the social was fraudulently used and misused, please have these inaccuracies removed from XXXX and equifax credit reporting agencies thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the " Fair Credit Reporting Act ''. This account below has violated my federally protection consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX  : XXXX has violated my rights. 15 U.S.C 1681 section 602A. States i have the right to privacy. 15 U.S.C. section 604a section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report-by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: AUTOMOTIVE CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
Automotive Credit Corp has about placing CPI insurance force place insurance on my account illegally. 

I have sent them several information messages and asked them to please update their system letting them know that I do have insurance for the vehicle purchased I purchased a vehicle in XXXX Ive had insurance on that vehicle from XXXX until the date that I paid it off which would have been XX/XX/XXXX XXXX this company continue to charge fourth place insurance CPI insurance on the vehicle even though Ive sent them several emails several proof that insurance was in place this of course caused me to be late or have missed payments due to them charging me for this insurance that was not needed please see all the proof here which shows that insurance was with this vehicle ever since XXXX Over the past two weeks I've spoken with five to six different people at automotive credit Corp then they told me to contact someone at XXXXXXXX XXXXXXXX XXXX  I have verified all the information I've had my insurance agent sent over insurance documentation shown we have proof of insurance from the date they requested please see all attached this company has been giving me the runaround this company has refused to remove the force placed insurance which is causing me extreme damage financially. 

Automotive Credit Corp stated that I did not have insurance in place from XXXX to XXXX which is incorrect Automotive Credit Corp also stated that I did not have auto insurance on the XXXX XXXXXXXX XXXX from XXXX to XXXX and place CPI illegally. 

I sent the proof of the insurance that they stated I did not have. I have also sent the insurance documentation over 5 different times to XXXX XXXX which is a company that Automotive Credit Corp uses to verify insurance. 
Again this company continues to give me the run around

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 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I notified all 3 Credit Reporting agencies XXXX XXXX, XXXX, and XXXX- as well as Capital Ones CreditWise subsidiary- that I was no longer an authorized user of my estranged spouses XXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Syncrony XXXX XXXX : Lowered my XXXX credit score down to XXXX which was my balance due to a payment I made 2 days late and one 5 days late. This was about 4 months ago. Then today again my balance was lowered to my balance almost making the account over the limit without my recent payment. 

I have had an excellent payment history but i was laid off twice last year. However, I still managed to make my payments in full. 

When I called to have a conversation about this situation the company would not address my issues or note my account. 

Please help to get this situation resolved. 

Thank you for reviewing my 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 explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my equitably report shows a XXXX on my report and I am a authorized user. I never received a card dont know who the person is that added me. I tried calling XXXX and they no information with my name phone number or social security number. Told me to have the primary person call in I told them I cant do that as I dont know who it is. This has been on my report since XXXX XXXX XXXX. Ive tried disputing it but they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously filed a complaint with CFPB against Creditor, I.Q. Data International , Inc. in Complaint No. XXXX. Creditor made materially false statements to the CFPB in its response. 

In its response, Creditor states : " The final account statement reflects XXXX XXXX is not being charged for any lease break fees .... '' As is evidenced by the last page of the Debt Validation Letter sent by XXXX XXXX XXXX XXXX XX/XX/2023, I am clearly being charged for a lease break fee in the current amount of {$2600.00}. This constitutes a materially false statement by Creditor to a federal bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MO
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, on my credit report you have XXXX XXXX XXXX XXXX XXXX reporting on my account as an open account as of XX/XX/2022. This information is inaccurate & not factual the other 2 credit bureaus are not reporting this information. & by law 15 U.S. Code 1605 - Determination of finance charge & by law 15 U.S. Code 1666b - Timing of payments & by law 15 U.S. Code 1681s-2 - Responsibilities of furnishes of information to consumer reporting agencies These accounts must be removed & I request that you put a BLOCK on them after they are deleted. This account had been compromised as fraudulent a while ago. Please remove ASAP.

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 2019-04-25
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally filed a complaint with CFPB regarding amsher collections.

I also sent a debt validation notice to amsher to which amsher did not respond.

I am filing this complaint on the basis of amsher collections knowingly attempting to collect a debt that is not owed in violation of fair credit reporting act. 

The amount amsher is attempting to collect is for a merchandise that was returned to the merchant, XXXX. Amsher provides a signed receipt for original purchase but knowingly failed to submit receipt showing that item was returned to XXXX. 
Item was an online purchase that was not delivered to me. I requested XXXX cancelled delivery, which it did. thaNot only was item returned to XXXX, the item was not delivered to me. 

Amsher will need to show proof of delivery of online purchase. 

And the XXXX statement ( see last page ) provided by amsher shows a charge for the item and then a subsequent refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this company and told them this is not my account, they continue to refuse to accept it. I asked for proof to be provided, they sent me a letter with an address that I do not recognize. 
I am enclosing the letter as proof as well as my XXXX from the government that shows my address from XX/XX/XXXX to XX/XX/XXXX- I also faxed copies of the attached to the company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I use to own a restaurant in XXXX  ( XXXX XXXX ) I used to use XXXX credit card reader from XXXX XXXX XXXX, I use this company for only XXXX month and after I separate from this company due to dispute and other XXXX. After the separation they asked me to return XXXX of the credit card reader in which I comply and kept the other XXXX in my garage ( collection dust ) because they say to me they don't need it I still have the tracking number. After a wile ( 1 years ) i find out out of the blue that the company put me in collection for something that I don't even know sop I start to call several time for several months ( like XXXX to XXXX ) and ask when I was in collection, they can't explain why and few time they told me that it will be resolved asap I wait an-other r month and nothin happen I call again and after hours of conversation they told ma again it will be resolved in few days, month pasty and nothing yet, I called again and again with people that can't even understand what going on until XXXX XXXX from the company tell me exactly what happen, the reason was that I need to return the other XXXX device which I did it again I XXXX the receive for this item and I called to let them know that the devise was sent. few weeks passed and I'm still in collection, I ask the collection personal and I asked them why they do not remove me even after I send those item, they replay and say Because .... I DIDN'T SEND THEM AFTER 10 DAYS!!!! with my surprise I told them that I spoke with the company and they suppose to take care the problem but they didn't. At this point I don't know what to do anymore because I comply with everything they ask me, but I still in collection, and I believe those 10 days the where written in a fine print that I can't even read. 
thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjust has falsifying put a collection on my credit reports. I have never had any contact with this company, nor have I ever received proof of this debt by mail, phone, or email. It appeared on my credit report XX/XX/2023. Nor have I had a debt with XXXX  which it lists as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a loan from GM Financial in XX/XX/2017, a {$29000.00} loan for {$470.00} a month for 72 months. in XX/XX/2017 I requested a pay off amount. Every since I requested the pay off, they have stopped reporting my payments to the credit bureau. It makes me look 5 payments behind on my loan plus my credit report shows me owing {$2500.00} more than I really owe. The company stopped reporting my payments to reduce my credit score so I could not obtain a loan from another company. This is a huge rip off scam being used by this company. I think an investigation is in order. When I confronted them about the issue, they said they stopped reporting because of " errors ''. Please stop these people from doing this. It is highly profitable for this company to use this practice because it keeps their customers buried in the same loan and because of the misreporting, it limits customers ability to obtain new loans as their credit scores don't reflect payments made.

Company response to consumer: Closed with non-monetary relief