BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: AVANTE
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage ( UWM ) - Failure to return escrow funds in a timely manner as prescribed in CFR 1024.34 ( b ) ( 1 ) My mortgage balance was paid off on XX/XX/2021. 

I received a letter from XXXX dated XX/XX/2021 indicating my mortgage was paid in full and, " Any funds remaining in your escrow account, or funds received in excess of the payoff amount, will be processed and returned in accordance with applicable state and federal laws ''. 

As indicated by XXXX and the online portal ( XXXX ), a refund was processed on XX/XX/2021. 

On XX/XX/2021 I called the customer support number ( XXXX ) asking about the status of the refund. I was told by customer service that checks take a further 5 days to be produced and mailed out. That would place XXXX outside of the 20-day requirement to return remaining escrow balances. I asked XXXX customer support for proof of mailing but they are unable to produce one. Customer service says the United States Postal Service ( USPS ) is slower than usual. That is an unacceptable excuse when they can't produce proof that it was placed in the custody of the USPS. 

As of XX/XX/2021 the refund has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through USAA, during the process of applying the person I delt with was XXXX XXXX XXXX, NMLS ID XXXX, Loan Officer, Real Estate Originations ( Real Estate, USAA XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Fax : XXXX ) She stated that she would be my Loan Officer for the entirety of the mortgage, and that if I had any questions, even after closing I could contact her directly. 

Shortly after the refinance closed I started getting letter stating that I would have to direct all questions to their " Subservicer. '' At no time was I ever told that I would have to deal with a 3rd party, nor did I at any time agree to this. I have attempted to contact USAA about this but the only answer I get is that there's nothing can be done. 

If I knew USAA would force me to deal with a 3rd party I would cancelled the refinance and never signed off on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX received my mortgage payment in the amount of {$2200.00} for the full month of XXXX, XXXX and first half of XXXX, XXXX. Of this amount, {$750.00} was put into curtailment. 

On XX/XX/XXXX, XXXX received from me, another month and one half mortgage payment of {$2200.00} to include XXXX, XXXX. 

Therefore, as of XX/XX/XXXX, I was one full month of mortgage payments in advance. 
Having paid {$2200.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

However, XXXX, misappropriated a half month payment of {$750.00} to curtailment on XX/XX/XXXX, and NEVER corrected this error, subsequently causing inaccurate accounting and reporting of my account as delinquent, in my trail mortgage modification period. 

XXXX records show curtailments of funds occurred a total of five times as follows : XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$750.00} However, ALL of these amounts were not applied to the mortgage when the payment was full month. I want : 1. An AUDIT of my payment history and an accounting of all curtailments from XX/XX/XXXX until XXXX, XXXX. 
5 curtailments were used to subvert funds and XXXX records demonstrate only 3 corrections. XXXX improperly applied 1 month of funds to principal by diverting my payments to curtailments which were never properly refunded. 

I want all 5 payments subverted into curtailments applied accurately to my payments. 

When I resume mortgage payments on XX/XX/XXXX, I expect to be 1 month in advance of payments.

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 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX stating that their investigation was complete. XXXX  and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. XXXX  has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Southern Management Systems 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:
I was notified by my credit that there was an debt placed from southern management company by ways of broad management for over XXXX. I contact broad management to see what it was for they advised me it was for an eviction placed for XX/XX/XXXX I advised thats Impossible because the lease was expired in XXXX or XXXX and I didnt resign any lease. I advised I got the apartment for someone and the lease was fraudulently signed I asked for documents to show they never sent it they told me too bad nothing they can do because they no longer manage that property anymore and its my responsibility.. I told them it was fraud and I didnt resign and lease and that Ive been residing at XXXX community for the past 4 yrs Ive been in XXXX. They refuse to help or remove this off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle XX/XX/XXXX. I traded in a Traverse and purchased a Honda Civic. My payment for the traverse was due XX/XX/XXXX. I asked the dealership if I would still be liable for the payment of the XXXX  and they said if I was worried inshoudl call XXXX, that my loan was through, and cancel my payment. I did not cancel the payment because I didnt wasnt my credit affected negatively. I called XXXX XXXX  in XXXX  Ca on XX/XX/XXXX to inquire about my first payment dueXX/XX/XXXX for the Honda and left multiple messages, never getting a call back. On Saturday XX/XX/XXXX XXXX took another payment for my Traverse that I traded in. I finally got someone to answer my call on Saturday, they said theyd speak to their manager on Monday XX/XX/XXXX. At XXXX XXXX I drove the hour away to make my payment to the dealership because I have no other information as to where to make the payment. The dealership said Im out the interest that Ive paid on the traverse even though I gave it to them on XX/XX/XXXX. I cancelled the insurance on the traverse and as far as the DMV is concerned I still own the Traverse, my drivers license could be suspended because it doesnt have insurance. The dealership did not process my contract until XX/XX/XXXX according to them. How can they wait 45 days and make me pay 3 car payments for 2 cars? 1 I dont own?? I cant add a loan number or account number because I still havent received any paperwork stating I own the car!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery obtained credit card debt that was written off from the original creditors in XX/XX/XXXX; since then, they were not only calling our home several times a day ; but both of our elderly mothers at their homes! They would call my mothers house sometimes four times a day ; she refused to answer. We have no idea how they obtained their numbers. 

Finally on XX/XX/XXXX, I sent cease and desist letters for both of our accounts listed with this agency. Contact did not cease ; but I didnt send it certified mail/return receipt. On XX/XX/XXXX, I sent the letters again, writing second request. 

Today, XX/XX/XXXX, we received 9 envelopes in the mail from this company. Some included proof of credit card debt ; the other letters stated that we could request substantiation of the debt. The letters included with proof of debt owed are worded as, in response to your dispute ... 

Nowhere in the letters sent to them ( twice! ) was a request for validation, nor disputing the debts. It asked for them to cease and desist contact. 

Other letters sent to agencies sent us responses acknowledging our cease and desist request. Portfolio Recovery either employs people who can not comprehend/read the letter, or they are bold and continuing to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: WELLS FARGO & COMPANY
State: CA
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:
I lost my wallet with Social security card & ID & piece of paper including my email address/its password too and I didn't know even my another cellphone line SIM card was in it, thats why I didn't deactivate it. I mean somebody could use my Email, phone, my signature and all my personal data. XX/XX/XXXX I did pay some monthly payment for that credit card, because creditor did call me and I was trying to take care of this account ( even its not mine ) for keeping my credit report clean.

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 2018-07-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax free ID Theft Service is of no use to me as I had problems months ago logging into my account. I have tried to reach out by email to Equifax but the email bounced back. My old email address was : XXXX ( closed this email account this month ). I would like to use the free service but was unable to see any data of myself in my Equifax report since I was locked out of report. I was told by Equifax that my information like millions of Americans was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BTH Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Plaza Services, LLC. Plaza Services, LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to Plaza Services, LLC. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit card accounts thats currently listed on my Equifax, XXXX and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
remove incorrect info FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 42 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX. I am a gun owner. My personal bank, the Bank of America ( BoA ), is discriminating against me as a law abiding gun owner. 

Bank of America is using their enormous market power to discriminate against customers, like me, based on lawful firearm-related business activities.

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 2021-03-31
Company: ENCORE CAPITAL GROUP 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2018-04-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX  with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Debt Amount- {$410.00} Opened on- XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MN
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:
For the past three years I have tried in vain to fix my credit reports and it starts with Experian. I saw that my mortgage showed paid and joint. Experian would not change it even when I sent an original bill in. I wrote the mortgage holder and filed a police report because XXXX Bank asked me to.I signed papers that the one Experian had listed was not another mortgage I had. After filing here the Bank said what Experian had was not even related to me and they gave me an assumption. However, my original mortgage before divorce in XXXX had my ex on mortgage not deed and XXXX Bank May fix this and report my payments to them to credit files. My ex now dead had filed bankruptcy XX/XX/XXXX. I did not. Still Experian refuses to acknowledge I have a mortgage and this effects my credit. They took off the mortgage entirely! When you call your on hold for up to 30 min and they do nothing. I tried again online and they refuse to let me dispute that I have a mortgage and want credit for paying it. I have other accounts too that they refuse to look at. If this is the leader for credit bc I am told everyone looks at them, we as a nation are in deep trouble. So I know XXXX is used but at some point cant a real person with some knowledge be there. This issue has hurt me and I want it fixed they can start from now to list that I am the mortgage holder and online the choices are very limited. I can send a email to others that have apps and they get back to you not them. Its wrong in every way

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 2021-02-10
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Never got confirmation of auto pay so made payment online. Payment went thru twice and filed paperwork to have it credited and Arvest did not do it in their promised period of tome once payment cleared. Apples for refund of overpayment on XX/XX/21. They emailed confirmation of receipt and never credited it. Called customer service which has not given any answers to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Their investigation did not fix an error on your report

Complaint:
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.

Company response to consumer: Closed with explanation