BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: RentDebt Automated Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a house put in my name in Florida they post it on my credit saying it was me I called and dispute it so it can be off my credit but they were saying it was me I never stayed in XXXX I never signed anything I never met anybody I have told the guy its not me I dont understand how can u let anybody stay in a house for a year and not make them pay or aleast put them out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NV
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 name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. 
I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper 's billing practices are illegally applying principal payments towards interest. Mr. Cooper also fails to disclose incorrect information it provided credit bureaus. 

My loan was transferred to Mr. Cooper in mid-XXXX. I made two previous mortgage payments to the old lender which included extra payment towards principal and also had credit applied at closing towards principal. I contacted them via their website on XX/XX/XXXX alerting them their balance was ~ $ XXXX higher than actual, provided them a copy of the a XX/XX/XXXX statement showing this, and asked them to correct it and the XX/XX/XXXX payment. They stated they I would receive a letter of resolution within 7-10 days. I never received a letter from them. Instead, I checked the account on XX/XX/XXXX to discover they had credited the extra payments on XX/XX/XXXX,  1-2 months AFTER they were actually made. This meant XXXX {$60.00} of principal was washed away, including my XX/XX/XXXX payment. 

I contacted them via the website on XX/XX/XXXX and provided them statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing all previous payments including the breakdown between interest and principal. They responded on XX/XX/XXXX, " Due to the nature of your request, we ask that you please call us directly so one of our account resolutions representatives may assist you. '' I called on XX/XX/XXXX and was informed the phone agents could not access my previous system emails or submitted supporting documents. The agent said my case would be elevated and should be resolved within 7-10 days. 11 days later, the payments are still not corrected but they have collected their monthly payment on XX/XX/XXXX.  Although the extra payments were eventually credited, I'm still paying extra interest on the ~ {$60.00} which was never credited to the principal from the early payments. 

This extra interest is small, but it will add up over time and I'm just one loan. If Mr. Cooper fails to properly bill me and apply payments on the proper date are they doing it to others? This illegal activity can add up to big dollars. 

Mr. Cooper is also impacting my credit. I received a letter in XXXX in which Mr. Cooper acknowledged they sent incorrect information to the credit bureaus. The letter did not state what misinformation was sent or to which agencies, only that corrected information was sent. If I had questions, I was to call customer service. When I called customer service the agent said wrong information was sent but the system did not specify what, to whom, or how it was corrected. The agent said there was no way for me to get this information. I am astounded that Mr. Cooper does not have to provide specifics. How do I know that the correct information was received by the credit bureaus or even that the information Mr. Cooper sent was actually correct and went to the original recipients?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/2020 I received a Call From CCS Offices from Phone Number XXXX I told the guy I was at work he claimed he could't here me. He told me XXXX had but me in Collections for XXXX bucks give or take. I educated him I never Received an Action Notice or a notice how I can Dispute and told him XXXX  Owned me money. He said I'm not working for you! XXXX obnoxious guy I wish I would never speak to this company again. I do not want this on my Credit I been trying to pay all my bills and buy a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested in writing, via USPS, that Plaza Services provide validated proof of a purported debt. I have yet to receive any proof that the debt that are trying to collect and reporting on my credit reports, does in fact belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS COLLECTION IS REPEATLY PUT ON MY CREDIT REPORT DAMAGING MY CREDIT WITH THE OPENING DATES CHANGING EVERY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Applied Business Services, Inc.
State: SC
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 charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. 

However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. XXXX XXXX XXXX ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXX and XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! 

I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a NOTICE OF DEBT from CREDIT COLLECTION SERVICES dated XX/XX/2021 for {$1000.00}. I am a federally protected consumer. I never gave consent for CREDIT COLLECTION SERVICES to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that CREDIT COLLECTION SERVICES committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage sustained and regulated under 15 U.S. Code 1692.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone has withdrawn and stole more than XXXX on my XXXX account. I found out 2 weeks ago when I was trying to get cash in XXXX XXXX XXXX XXXX XXXX. ATM machine wont let me withdraw because it says Ive reached my limit for that day which I didnt. So I called Bank of America and it was confirmed that someone was getting a XXXX dollars everyday for six days. 
After trying to call the claim department for total of 20 hours or more, falling in line at he bank, emailing and sending messages through messenger I was able to file a dispute. And found at after a week in mail that it was denied! I am pretty sure if they even bother to investigate my dispute they will find out that my money was stolen. I filed for unemployment benefits because of COVID and its all the money I have.

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 2020-10-01
Company: Student Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
A company continues to call me all day about student forgiveness loans. The message that is left is by a gentleman named XXXX with the Student Services Department stating that they are with the Student Loan Forgiveness Program. The callback number that was left was XXXX, but the number that they answered is XXXX and XXXX. It is the same person who answers each time, very unprofessional, asking for my information. I asked numerous times to be taken off of the list but they say they have or they need me to do further steps. When I began asking about their program, they hung up on me. I am sure this is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-06
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I made a purchase from a website XXXX which requested payment with a Vanilla Visa card. I purchased a 500 Vanilla card with my debit card at XXXX on XX/XX/22 and completed the transaction on the same day. Got suspicious when I could not reach the company and called the gift card company to find out that XXXX charged more than the 460.00 that the item cost and receipt email reflected and they charged {$490.00}. They apparently just stole XXXX from me. I believe that Vanilla card should refund the full amount since this was fraud. I have submitted a complaint with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Consumer Portfolio Services, Inc.
State: AR
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 WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I applied for a mortgage ( refinance ) through RocketMortgage.com. According to the website, because I have a townhome, I needed to contact RocketMortgage via phone or chat. I chatted in and spoke with XXXX XXXX at XXXX. XXXX emailed me and I replied to him with the competing loan estimate that i had. On XX/XX/2020, XXXX texted me to review my loan application, at which point my credit had already been run and he was supposed to put together the loan package for me. As of XX/XX/2020, I still have not received a loan estimate, and while attempting to contact the company, have been transferred to three different people, including people who are not licensed in my state, such that they are unable to help me. It has been a huge waste of time, a hit on my credit, and terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX, XXXX XXXX billed {$640.00} to our Capital One credit card without our authorization or agreement to this specific charge. We immediately contacted Capital One and made our dispute. 

On XX/XX/XXXX, Capital One sent us a letter about this dispute. We then called and again spoke to Capital One, who asked us to go ahead and still make a statement in writing even though we have spoken to Capital One for the second time about this dispute. 

On XX/XX/XXXX, we made the statement in writing and faxed it to Capital One per their instructions. 

On or about a week after sending in our letter, we called Capital One to follow up. Capital One stated that YES, THEY WILL DO TWO THINGS : ( 1 ) CREDIT BACK THE FULL AMOUNT {$640.00} TO THE CARD AND ( XXXX ) CAPITAL ONE WILL ISSUE A NEW CREDIT CARD NUMBER. 

On XX/XX/XXXX, we still did not see the two things that Capital One stated that they would do so we called to follow up. A representative of Capital One named XXXX stated that she did not know why they had not credited back the account for the amount as they had said they would, but she offered to give us a {$100.00} credit and that would be all she could do! Of course, we disagreed to this offer and promptly requested to close our account. We now file this complaint to CFPB in order to ask that the Capital One to reimburse the full amount of {$640.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Got surplus check & statement from mortgage escrow account dated XX/XX/2019 saying there's a surplus of {$2400.00}. It said to deposit or cash the surplus check. Deposited the check and 2 days later my bank informed me the check bounced and charged me a bounced check fee. 

I called Ditech mortgage servicing to find out what's up and they said there was something wrong with the account the check was sent from and offered to direct deposit the check plus the XXXX dollar bounced check fee. I gave them the bank name, routing #, account # over the phone and it took almost a week for the funds to show up in my account ( deposited on XX/XX/2019 ) but the XXXX dollar bounced check fee was never paid. It was not even included in the direct deposit. I called Ditech mortgage servicing and was told that the request for the XXXX dollar bounced check fee was put in but did not get paid out. I complained again that when I called last time, I was assured the XXXX dollar bounced check fee would be sent with the direct deposit and it was not. I called again on XX/XX/2019 and told them I have the original amount but not the bounced check fee that's still owed to me. They put in another request but said it has to be processed and did not even tell me when it will be pushed through. 

Later in the day on XX/XX/2019 I found out the company Ditech filed voluntary petitions for reorganization under Chapter XXXX of the XXXX Bankruptcy XXXX. I did not get mail or notice of this and found out online when I logged into my account on XX/XX/2019. 

To date I still not have received the {$20.00} dollar bounced check fee they owe me for sending me a bad check.

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 2020-05-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems continues to report to the credit bureaus debts allegedly from me that I am unable to validate. They have given no proof of validation and I have complained about them before. Due to HIPPA laws, they can not validate what the debt is for and I have no knowledge of entering in contract with Transworld or Maryland XXXX XXXX for services. They have previously been unable to validate debts. 

I am asking that they send me the contract I signed for service with Transworld and Maryland XXXX XXXX ( they claim is the original creditor ) as well as an itemized bill for debt owed or remove these collection activities from my credit report. 

I am asking that these debts be removed immediately as it has severely impacted my credit report. 

Please see company 's response to previous complaint.

Company response to consumer: Closed with explanation