BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pretty much I contacted the credit bureaus in regards to them having to show proof of account being mine Transunion has failed to do so and they keep sending the same letter to me over and over. The law states that if they can not provide me with valid proof of account collection being my debt they must delete it from my credit report file. It has been 2 months going on 3 months of trying to work with them on providing me with proof and they have not done so. In the following attachments I am sending everything I have since the day I contacted them and also the letters I sent and what I have gotten in return. Also receipts.

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 2020-06-03
Company: OCMBC, Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Loan Stream XXXX, I am requesting information on my loan status, I have signed loan docs, deposited all monies needed to close my escrow. I understand with loan connection there needs to be a correction to my debt ratio from the previous home loan I applied for. I have also provided proof of assets to close the transaction. 
I spoke with HUD on XXXX and they advised me the current DE underwriter with loan stream is the only person that can update the loan connection regarding my debt ratio to reflect my current debt ratio to purchase XXXX XXXX XXXX XXXX unit XXXX XXXX  XXXX ca XXXX. 
I have completed all paperwork necessary with the Loan Broker  XXXX XXXX at XXXX XXXX and meet Hud guidelines to purchase this home. 
I would appreciate your immediate attention to resolve this issue so I can purchase my home for myself and my family. I understand that the loan was moved to another level in Loan Stream, I really need to know the decision, So I can move fonvard with my financial plans ' Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -- -- - Forwarded Message -- -- - From : DoNotReplyFHA XXXX To : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : credit alert sanction Hi XXXX XXXX XXXX XXXX XXXX, you must address your concerns and/or questions to your Lender XXXX XXXX  Underwriter for guidance and interpretation of guidelines. The XXXX underwriter is empowered with the delegated authority and responsibility of reviewing the file in total and rendering the appropriate decision based on HB 4000.1 and/or any other relevant guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )

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 2018-03-09
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX  XXXX XXXX XXXX NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX My two previous complaints has unlimited misleading inaccurate information and W.F.B should is violation of RESPA, TCPA and so on.

Currently my request to have loan modified again no decision has been made even though I have used HUD counseling service. Reason for not denying or approving loan modification is one my daughter who is not a borrower or on the loan did not provide her pay stub. 

My daughter 's income has nothing to do with loan modification since she is is not on the loan or has borrowed form W.F.B. 

Since W.F.B has acted same manner which includes around XXXX when XXXX tried to assist me. 

Rest is in the two attachments that has many misleading and false information. 

W.F.B should cease entire sending fake letters when I do not file any complaints. Letters from XXXX XXXX XXXX are faked and its only to indicate FED and State of CA response have been made. Unlimited numbers of letters I have received from her she dose not or have never called me. Her letters are all faked and she should stop sending me fake letters when I did not contact W.F.B which never

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I purchased several pieces of furniture from XXXX 's and the balance was applied to an account opened with Synchrony Bank. What was not disclosed with that a portion of the balance was placed under a shorter promotional period of 6 months rather than 36 months. This portion of the balance accrued back dated interest through XX/XX/XXXX when I realized this deception and the interest was not reverse or credited back to me because I didn't notice it in time. When it first started being added to my account in interest charges starting XX/XX/XXXX. I then tried to pay off the full balance subject to interest on XX/XX/XXXX and I found in my next statement on XX/XX/XXXX that only half of the payment was applied to the balance and was still being charged interest. 

There are several concerning things happening in that the payments are not and have not been applied first to the balance subject to highest interest, per the Credit CARD Act of XXXX. And my requests to pay off the balance subject to interest directly have been ignored and still continued to not apply to the balance subject to interest.

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 monetary relief
Consumer complaint received 2020-06-03
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit Corps Solutions has been calling me for years. I have repeatably told them to take me off the list of calling me as I am not the person they are looking for and have never had any debt go to collections. I have owned this PHONE NUMBER SINCE XXXXThey called me on XX/XX/20 two times at XXXX XXXX. They say they take me off the list every time but I still receive calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points

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 2020-11-15
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted the Capital one credit card costumer service to make dispute about XXXX XXXX don't want to give me refund for a lost package i purchased online by {$820.00} but XXXX XXXX answer my Bank with the wrong proof so send them back my proofs for lost package my bank told me you late we can't do nothing with XXXX XXXX because we didn't get your answer in the time i called my bank i told them i received the letter from you late too they told me we can't do nothing for you this is our policy with them if we don't get answer in the time we will close our dispute so contacted again more than 4 times my bank they said your dispute is close already we can't do nothing for you this is my information about my dispute : -my case Number with my bank:XXXX XXXX -my order number with XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I received an 'end of lease ' termination bill, as our lease had gone the full 36 months. I paid a payment towards the {$530.00} which I mailed back to GM financial in the paper statement that i received in XX/XX/2020. 
I never received any other bill or updated information regarding this bill ( no statement, call, email, text, etc ), regarding the balance. Unfortunately I was never informed ( per statement : or email, etc ), that this was all due at 1 time.

GM financial insists that they dont do that as it is a final bill, and " oh well, '' from there CSR I spoke to today.

Credit now shows delinquent and has hurt my credit immensely. I paid the balance off immediately once I saw my credit score drop @ XXXX points. 
I am asking for a reverse in this delinquency?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Lending Club Corp
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a call, letter or notification from this company. All of a sudden it popped up on all 3 of my credit reports. Called them and asked to explain no response phone call dropped no answer when I called back to see what this is about. Last week XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CONRAD CREDIT CORPORATION
State: IA
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:
Illegal practices under the FDCPA. 

This debt, which I am not admitting fault or ownership of, has been closed and reopened as a new account in order to keep it on the credit report longer and lower my score ( probably in hopes of scaring into payment due to the sudden drop and having longer to collect considering this debt is so old it has little effect on score and is near falling off the report all together. ) This debts original date is XX/XX/XXXX, making it over 5 years old and falling off the credit report after XX/XX/XXXX. 

On XX/XX/XXXX I received notifications of removal of a collection account and a new collection account added. Both were of this same account. XXXX XXXX XXXX removed the debt from my credit then re-submitted it as a new debt with a new fall off date of XXXX XXXX-7 years from now, which is re-aging/parking debt. 

Re-aging debt is when a debt 's status changes on credit reports to make it appear as a newer debt, such as deleting and re-reporting as new to keep it for longer and drop the consumers ' score significantly ( because it now shows a a new debt and not a debt old enough to not make much of a difference anymore ). 

It is illegal for debt collectors to re-age credit/park accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. I have submitted a dispute directly with credit bureau 's and XXXX and will continue to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I use the XXXX app for advances of my paycheck and now PNC Bank has limited my access to it in my time of need. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
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 US DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : 08 XXXX XXXX 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 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 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 2021-03-29
Company: I.C. System, Inc.
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-02-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today XX/XX/2010 ; XXXX XXXX  on a call with Quicken Loan representative XXXX XXXX ( my not be correct spelling ), I indicated numerous times that I am interested just in getting a range of mortgage rates for the scenario that I have and he stated the range is 3 % And I made many comments that he is not authorized and quicken loans have no authorization at this time to pull my credit, because I am aware of the impact on my credit report. I mentioned to him I am a banker and know the impact please know that you can not pull my credit report. 
After giving me a range of 3 % and continually telling me pulling my credit will have no impact, I responded No do not pull my credit under no circumstances. 
As soon as I hung up I received notification that quicken loan just has pulled a hard pull on my credit. 
For the last hour trying unsuccessfully get this issue reversed with XXXX/ the person whom I spoke does not pick up the call and other representatives are telling me that they did not pull my credit, meanwhile I have credit report reflecting it. 
XXXX XXXX dose not have an option on line to dispute and phone calls ends in a chain of That has no such an option

Company response to consumer: Closed with explanation