BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX of XXXX a lease was signed electronically with my name and information fraudulently. Subsequently the parties were evicted and Fair Collections & Outsourcing ( FCO ) contacted me about the debt. After numerous phone calls. I completed a notarized fraud affidavit and sent to them on XX/XX/XXXX. FCO continues to state the information is being verified by their client. After more conversations i finally received a copy of said lease XX/XX/XXXX the electronic signature first has an incorrect middle initial for me and the email address used to electronically sign the lease is for my ex-wife whom i divorced in XXXX. FCO has stated their client ( XXXX XXXX ) states i was in their office physically in XXXX, FL ( XXXX XXXX ) i live in XXXX XXXX, FL over 3 hours away and have never been in their office. I have disputed this information with the credit reporting bureaus and XXXX continues to " verify '' the information back to them. In XXXX the original debtor, XXXX XXXX, was sold, the person who signed the lease is no longer with the company and there is no one at that company that could verify the information even if it were true, which it is not. I see where the CFPB has filed suit ( Case 8:19-cv-02817-GJH ) with the United States District Court for the District of Maryland, Southern District with FCO for essentially the same thing I am claiming. Your help in this matter would be greatly appreciated. Thank you in advance

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 2021-06-08
Company: TD BANK US HOLDING COMPANY
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:
Where to begin? First, you are reporting an inaccurate payment history ; please provide me proof of the last payment, as our records do not match. Second, you are reporting the current status to be Bad debt/Collection when in fact this account was PAID and closed, where is the closed date? Please send me a copy of the last statement. Finally, change the status to Paid and derogatory estate mortgages continue violating the FCBA, 15 USC. Your statuses are damaging to my report, which would not be happening if you investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Total Card, 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:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 3 unauthorized credit inquiries on my credit report from Chase Card Services. 

OnXX/XX/XXXX I wrote and mailed a letter to Chase Card Services and explained that their inquiries were unauthorized. On XX/XX/XXXX I received a response from Chase stating that they were removing one credit inquiry, but they determined the remaining two were valid. n XX/XX/XXXX, I wrote another letter disputing their findings and I maintain that I have not authorized Chase to pull my credit! 

To-date, this has not been resolved and the inquiries are adversely impacting my credit score with all three major bureaus. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and Chase did not have a permissible purpose to inquire on my credit report. 

I have provided enough information for this furnisher to complete a competent investigation, yet they have not corrected their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
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: Account status incorrect

Complaint:
The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-05
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 am filing this report today XX/XX/2020 because I found five accounts and a few inquiries on my credit report that does not belong to me. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

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 2020-07-02
Company: EQUIFAX, INC.
State: OH
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 am writing to try to explain that my existing complaint I have filed against Equifax is the same problem Im talking about my complaint number is XXXX if you look you see im complaining about equifax and there negligence in fixing a problem with being able to physically see my report it appears blank w no info about my credit history. Equifax replied to tell me there investigation will take time due to having to contact my creditors to validate the info there reporting? Its not the entire issue I hired a company to dispute my negative items I NEED EQUIFAX TO FIX THERE ISSUES OF NOT BEING ABLE TO SUPPLY A CURRENT ACCURATE REPORT NOT MY CREDITORS BUT EQUIFAX YET AFTER SEVERAL PHONE CALLS EXPLAINING THE ISSUES THERE STILL NOT NOT ADDRESSING MY ISSUE. HOW THE XXXX DO I GET TO SEE WHATS ON MY REPORT SO I CAN DISPUTE IT. EQUIFAX HAS A GLITCH W MY REPORT. THEY CANT FIGURE OUT THE ISSUE BUT MY REPORT THEY PROVIDE IS USELESS BECAUSE ITS BLANK .. FIX THE PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
CAPITAL ONE XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
CAPITAL ONE XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
A/c # XXXX I took loan from alley auto but i was asked to pay 1 ) {$8600.00} instead of XXXX remaining balance to pay off the car loan requested extension but still charged high interest payment from XXXX to XX/XX/2020 {$8600.00} even with the Federal government Moratorium to grant extension on loan so I paid {$1800.00} two days ago 2 ) denied password reset and systematically took advantage of me 3 ) tried to resolve the payment dispute but the staff was not helpful instead harassed and mistreat me me to pay off the loan so please forward this issue to civil suit lawyer or Federal watch agency for corrective measure or lawful action

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 2021-06-08
Company: BARCLAYS BANK DELAWARE
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

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 2021-03-25
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan of {$450.00} and was told my payoff for the loan amount would be {$580.00} and there is no penalty for early payoff. I called in to pay off my balance of {$420.00} as indicated by my payment schedule but the representative told me the payoff would be {$550.00} instead. That would mean I would pay them a total of {$710.00} compared to my initial quote of {$580.00}. I have spoke to three different representatives and have requested a manager callback for help resolving this issue. It seems this company preys on those in tough situations so they can easily get people caught up in a never ending cycle that causes them to be in more debt than the emergency they needed to take the loan out for. Companies should aim to actually help people and not take advantage of their difficult circumstances by scamming them out of money they don't have or that is already difficult to come by. I believe this company does not have good intentions for their customers and they are finding ways to legally scam their clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX is pulling my credit, sometimes every other day. I don't seem able to cancel and make them stop. They are using various names : XXXX XXXX, XXXX XXXX Interactive, XXXX XXXX XXXX. This has negatively impacted my credit and credit score.

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 2021-07-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, BBB, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: FMS Inc.
State: NJ
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:
They contacted my work phone number when i would't answer my cell phone for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX who received EIDL loan from SBA for approximately $ XXXX in XXXX of XXXX. At the time, I spoke with a representative from the SBA regarding this loan to assure everything was above board and they assured me there were no issues with independent contractors and XXXX XXXX who choose to file taxes under their social security number, which I often use in place of an EIN. I chose to have the funds deposited into my Capital One 360 checking account, aware of no issues with such a transaction. 

Fast forward to XX/XX/XXXX, when my checking account was frozen with no explanation given. After several days of trying to reach a specialist, on XX/XX/XXXX I was informed that Capital One has investigated my business and found me to be suspect of fraud and is choosing to terminate the relationship with me, seizing my account and planning to return the remaining balance to the SBA. 

I could not get an answer as to who initiated this investigation or why, but was not given the chance to provide proof of the legitimacy of my business. In fact, I was insulted and ( mis ) informed that I work " for '' companies who actually contract me to conduct business on my own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!

Company response to consumer: Closed with explanation