BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  XXXX Account # XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase shoes for 300 dollars from a seller on XXXX on XX/XX/XXXX. I sent the money through XXXX, through my bank. I inquired about the purchase on XX/XX/XXXX, and on XX/XX/XXXX they deleted their account. I tried to contact them through means give to me via the purchase made. They have not responded, the email attached to the XXXX account is XXXX. The name on the XXXX account is XXXX XXXX. XXXX says they are not liable for the charges made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Rocket Mortgage, LLC
State: CO
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:
I want the fraudulent inquiry from quicken loans removed. XXXX  refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Initially submitted a complaint with the CFPB due to lack of help from MR Cooper in regards to help a few more months. Company giving me names of people to contact within the company and none returned calls. Im a XXXX veteran awaiting retro payment from the VA in excess of XXXX. Payment should be deposited by end of XXXX. Mr. Cooper has been calling me in excess of twice a day over the past 4 days with no messages left. If these people left a name and number Id call them back and explain the situation. Im finding these calls with no messages kind of harassing, just leave a message and Id call you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called 'Procollect rent collection agency ' at their phone number XXXX to settle an outstanding rental debt that I wasn't even aware of. I first spoke with a lady ( I didn't get her name ) who was very abusive and aggressive in her language. I gently asked her that I was willing to settle the debt with not the full amount ( {$1600.00} ) but with what I have - which was {$1100.00}. She berated me repeatedly and abused me for not accepting the offer that was made to me in 2015. I tried several times to explain to her the reasons for not being able to settle it, but she continued the aggressive berating. I asked her why she was mistreating me and was it due to the fact that I'm an XXXX and my name is XXXX and she said 'Have a nice day ' and hung up on me. 

I called back and asked to talk to a supervisor and they put me on hold for 10 minutes after which I hung up and called back. This time a lady named Ms. XXXX answered and asked me to hold and before I could reply, put me on hold once again for another 7 minutes after which I hung up. I called again and I asked the lady why they were putting me on indefinite hold and she put me through. I finally got through to XXXX XXXX and I explained to her the abuse I'd recieved earlier. She said that she trains all her employees not to be abusive which was not true at all. I asked her if she'd be able to offer me a settlement and she too rudely stated that she wouldn't and proceeded to read out the consequences. I asked her if my inability to pay would show on my credit report and Ms. XXXX STATED CLEARLY THAT THIS DEBT WOULD SHOW UP ON MY CREDIT REPORT. When I said that I'd checked all my credit reports ( XXXX, XXXX  & XXXX XXXX ) she reiterated that I was wrong that it indeed would show up on my credit report. I couldn't take anymore of her abuse and hung up. 

Ms. XXXX and her employees not only abused and berated me for not being able to pay, but she made a PATENTLY FALSE STATEMENT that my credit history would be negatively impacted by this particular rental debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
State collection services in the amount of {$420.00} dollars under dispute since it was first reported to credit agencies in XXXX  2016. Company has repeatedly failed to provide information substantiating debt claim. No account statement or report of any kind has been received despite requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage lender, Lakeview Loan Services LLC, has been reversing our monthly payments from XX/XX/XXXX to XX/XX/XXXX without any notice to us. This has caused accumulated late fees and hits to our credit scores. 

This entire situation was extremely negligent on the part of our mortgage lender because if there were issues at all with our account 's status, we should have been properly and promptly notified, not receiving receipts of payment. We have spoken to their customer service on the phone trying to fix this and when we asked why we were not notified, they stated it was because they didn't have our phone number. That's not an acceptable excuse. This has done a lot of damage. Once we found out this was happening we were sure to make a large lump-sum payment to be current. The funds were immediately wired to their bank. 

When this started in XXXX, we logged on to make the payment that month Lakeviews site was having difficulties. We attempted multiple times in XXXX to make a payment, yet the payment portal was still not working. We called Lakeview in XXXX once we realized this was turning into an issue and the customer service rep stated that their system could be behind ( she said she had seen it lag for up to three months before ). She said she was going to process a payment immediately and for us not to worry that it would be taken care of and that nothing was being sent to the credit bureaus. We then tried to schedule XXXX 's payment while on the phone, however, she wouldn't schedule one - she told us the XXXX payment needed to process first because if the system was having issues it needed to catch up, and that hopefully the online portal issues would be resolved soon. 

When checking for the total amount in late fees we paid, it turns out they did not take that from the amount wired, which is what they stated they would do. They used the late fees as a payment for the month of XX/XX/XXXX. That is not what we agreed upon. The amount wired was to cover XXXX and the late fees. Our account is showing that as of today 's date, we still owe in late fees. 

In addition, we have an escrow account and when we first got the loan we were being charged PMI. Once the equity in the home increased over 20 % the PMI was supposed to drop off ; however, were still paying PMI and its being send to escrow.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-13
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Global Lending Services LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Working with Global Lending services to get my account back on track has been a nightmare. I have worked with one agent named XXXX to file an extension and to get my loan payments caught up after a layoff from my job. I was told that my account was at 51 days behind and that making a payment of XXXX would make my account current and I could ask for an extension to be added on the end of the loan to help me get back in the black. I have spoken to this agent 8 times since the end of XXXX. On XX/XX/18 she confirmed the extension and the information we had agreed upon. She told me that I could make a payment on XX/XX/18 - after I get paid from my new job - and everything would be fine with the account. Then on XX/XX/18 she called and told me that I misunderstood and that my payment of {$390.00} was now {$840.00} and they could repossess my car. That isnt what we spoke about!!! I told her that. She said that she would look into it. On XX/XX/18 she called and left me a voice message that you can not hear - and I called back the extension number she left according to my vm text - apparently it doesnt not exist. I then called back and asked to speak to a supervisor so that I could get this resolved. He yelled at me that I didnt know what I was talking about. No one by the name of XXXX works there. WHAT? 
She called me tonight XX/XX/18 and told me that one I make the payment of {$390.00} I can then ask for an extension. This is unacceptable. I realize Im late in my car payment. Im catching up as fast as I can. I just started a new job. Im making back payments. Im asking for your help. Not to be treated like a 6 year old eating ice cream before dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt collector sold this debt, to access financial. Therefore committing fraud by investigating and claiming the debt re-aging this debt and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have completed the offer described on this website : XXXX XXXX   XXXX XXXX   XXXX When I called Capital One, they claimed that I didn't qualify because the {$50000.00} deposit was " not all at once ''. After I said that this was not in the promotion language, I was told I didn't qualify anyway. 

I asked to be transferred to a manager, who proceeded to bully me into accepting {$100.00}. I made it clear that I'll accept the {$100.00} as a gesture of goodwill, but that I need the remaining {$400.00}, and I will be filing a complaint to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Auto gave my account with my email address to another individual and that person Is pretending to be me. This person is using my email address and my credentials to access my account. I am locked out of my financial account and the other person is using it. I attempted to fix this and Ally says they can't give me any information but I get lots of emails stating this person has taken over my account since XX/XX/2023. They said they can't give me any information and I will not be allowed to access my account and that Person continues to seize my personal information.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 2022-01-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have 4 unauthorized transactions that were processed on my card while I was hospitalized due to XXXX XXXX. 
XXXX - XX/XX/2021 - {$310.00} XXXX - XX/XX/2021 - {$100.00} XXXX  XXXX - {$160.00} & {$130.00} I have reached out to the banking institution and merchants with no luck.

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 2017-12-16
Company: On-Site Manager, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On-Site corp., is a background reporting agency, contracted by XXXX XXXX. 
On-Site reporting agency. On-Site.com, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
This agency reporting inaccurate information. The agency alleged they are using Information they say is pulled from both three national reporting agencies, the XXXX data base, and the residing XXXX XXXX XXXX XXXX data base. 
Their charging customers monies then requesting the customer to present legal documentations to dispute and qualify for the right to lease. 
The agency request client to retrieve and forward information to an assigned link. Each time a report need to be generated. Each request is a new charge in monies and the system do not upload current updated information. This is the client responsibility. 
The both XXXX XXXX and On-Site XXXX, are taking a advantage of low income and disable individuals during their application process. The property are governed under, XXXX XXXX XXXX XXXX XXXX, XXXX program, XXXX and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/28, we made a payment to XXXX XXXX using our bank account information over the phone. We do not know if an error is made on XXXX, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Resurgent Capital Services L.P.
State: FL
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation