BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: Idaho Housing And Finance Association
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We placed our mortgage in forebearance back in XXXX, XXXX. Upon the six month forebearance expiry date in XX/XX/XXXX, I contacted the company, HomeLoanServ a.k.a. Idaho Housing to take our loan out of forebearance in order to resume payments. They said they would send paperwork and we were to wait for a call from their traveling Notary Public. The call never came. The HomeLoanServ company sent us paperwork that we filled out and sent back which included a request for past tax returns, and two months of pay stubs, which we provided. Then they sent another letter stating we missed two weeks of pay stubs and we had 4 days only to get the documents to them, or the deal was off. Well, that was XXXX of XXXX. I called them in XXXX and they said that we weren't eligible to exit the forebearance ( which was false ), and that they had sent us paperwork for a loan modification. Well, we were already in process, they said it would be 30-45 days from the XXXX date that they would call and notify us of our options to begin repayment on our mortgage. I called them at the end of XXXX, and 5 times last week, and 2 times earlier this week. Different agents tell us different stories. My favorite one is that we must have been confused because we are eligible to resume payments by placing the forebearance debt onto the end of the loan. Ok, well, we are supposedly near the end of the loan modification process so we thought it would be wise to wait and find out what all the options are before making a decision. According to HomeLoanServ assigned agent, they only have one person authorized to sign off on loan modification applications and she has hundreds of them outstanding. Well, it's the end of XX/XX/XXXX. HomeLoanServ blew past thirty days, forty-five days and now it's more than 60 days and still no information. We are down to one vehicle for the family and we can't apply for a new auto loan to purchase another vehicle until we know what our house payment is supposed to be. We are growing tired of all the excuses and procrastination and false and misleading information coming from HomeLoanServ and desire a speedy resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called and closed my TJMax Master Card credit card as they weren't ( once again ) allowing me to use my card in my hometown. they sent me emails later, and letters stating I couldn't use my account until I did XXXX to activate it and i called AGAIN and stated I closed this account due to the inept customer service on XX/XX/XXXX, they sent me more emails, again called. Then on XX/XX/XXXX a charge was autodrafted to this account. I called again, It is CLOSED, why did this go through? Then on XX/XX/XXXX another charge was autodrafted and again I called, it is closed, but they refused to close it until XX/XX/XXXX and told me I owed the charges. I was able to get both charges refunded and owe them nothing. They behave as if they are above the law. Why is this? This has affected my credit report. Today I called them again and my balance is XXXX but they said synchony bank handles my Belk and Walmart cards, so I cancelled both.

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 2021-07-08
Company: EQUIFAX, INC.
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:
Equifax reported 11 unauthorized inquiries on my credit file without my written consent dates XXXX irresponsibly and it damaged my credit worthiness reputation. After I disputed the inquiries, they were eventually deleted between dates XXXX but as a consumer my right to privacy was violated and I gave no consent to those 11 unauthorized inquiries. I am aware that equifax is civilly liable for damages to me by misuse of my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I live in the XXXX XXXX XXXX XXXX  area of the XXXX. In XX/XX/2017 we had two hurricanes. During both hurricanes the Governors of XXXX and XXXX   declared a state of emergency and all of us living on the XXXX/XXXX coast. were mandated to evacuate from the area for a period for 10 days each time. 

Evacuation was not a choice. Since I work for XXXX XXXX  and live in XXXX I had no choice but to evacuate. This is extremely costly. We were given live checks each time. 

I called Carrington mortgage company to explain we were evacuating and requested that they document my phone call. I also explained we were given live payroll checks. I am usually a direct deposit pay and pay my mortgage on line. I am NEVER late for my mortgage payments. But it took the checks 15 days to clear each time because of the state of emergency in our area. As soon as they cleared I paid the mortgage company. They still reported my late n my credit reports even though we were in a state of emergency at the time because of the hurricanes. 

Not only did they they not record that I contacted them, they would not take the late reports off of my credit reports stating that they " had no information from FEMA ''.  Given that I can do a XXXX search and find the governor 's of each state declaring our area a mandated evacuation area and a state of emergency I don't know what their problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Innovative Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My collection repair firm sent a dispute letter to the collections company regarding verifying the debt my client owes. The date of this original dispute was XX/XX/2018. 

The collection company responded back with partial information originally requested by email on XX/XX/2018. The contract they sent was missing pages 6 pages from 8. The amounts there trying to charge my client is not in the contract and over charging on cleaning fee 's, a months rent when he already moved out after his 30-day notice.

When speaking with their collection manager on XX/XX/2018, she clearly admitted that they did not have all the information that was originally requested and claimed my client did not give notice. I asked for that information in our phone conversation and she did not have that ether. This company is attempting to collect on a debt with no information that is valid nor have sent all requested information to my client or my office and continue reporting his debt they say he owes unlawfully. When collecting on a debt the collection company must prove that a consumer owes the debt, this has not be done as originally requested. There fore I clearly see my client is being violated on his Fair Credit reporting rights and ask that collections stop due to this clear violation from Innovative Collections. 

Please see attached audio file, original complaint filed by email.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received repeated calls from XXXX XXXX XXXX  XXXX @ XXXX. They are calling my ex husband, my work, as well as my cell phone repeatedly. I have told them to cease contact. They stopped for two weeks, but now they have started again. The last time we spoke, on XX/XX/XXXX, 2017, I told them to proceed with the threats - which included court procedures. They proceeded to use name calling as a form of intimidation. I also told them that I have an attorney, they said they could n't legal discuss any further. But, another employee proceeded to call me a minute later. Specially, this person ( named XXXX ) said I was " XXXX '' for allowing this to continue. I shared with them that I would be reporting. I did not report that day, but here we are, nearly 3 weeks later, and they have started to contact me again. Today, I received 4 calls within a three minute time frame. My phone is ringing repeatedly from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One bank decided to stop making their " XXXX Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the XXXX account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old XXXX account and the new XXXX account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights  under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2023-08-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted by, to date, 8 different collection agencies who are attempting to collect a debt on behalf of XXXX XXXX. The problem is that I DO NOT and have NEVER had an account with XXXX   XXXX. All of these agencies have investigated this and determined that I did not, in fact, have an account with XXXX XXXX and that my identity may have been used to establish this account and have closed their files and returned the account back to XXXX XXXX. XXXX XXXX ignores the investigation findings and then sends the account to a different collection agency and the process starts all over again. 

Currently, I am receiving calls and letters from 2 completely different collections agencies, at the same time, both stating they are working for XXXX XXXX and they are the proper one to be handling this account. Both have been advised this is not my account and that I DO NOT nor have I ever had an account with Dish Network. How is it even legal for two completely different collection agencies to be trying to collect the exact same fraudulent debt at the exact same time? 

I have gone online to XXXX XXXX 's site and completed the identity affidavit numerous times, which they keep telling me will bring a resolution once and for all, but that only seems to get this fraudulent debt sent to another collection agency and the process starts all over again. 

I am attaching the letters from both current collection agencies as proof there are in fact 2 different agencies attempting to collect this fraudulent debt at the same exact time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have send a letter to update my personal information and have not seen any changes on my reports.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My car loan balance was reported wrong by XXXX XXXX XXXX  XXXX XXXX. Now, XXXX XXXX XXXX XXXX XXXX stopped reporting the correct car loan balance and deleted my account from TransUnion credit report - causing my credit score to drop by 20 points in TransUnion.

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for credit card, made a requirement to update phone number with credit bureau. Complied updated phone number. Called back and verified I met criteria. Still was denied based on same reason. Company wants to re run credit even though I met criteria within time given.

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 2023-01-11
Company: Spring Oaks Capital, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They was paid off in XXXX, by XXXX XXXX XXXX  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX  that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation