BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: MONEY SOURCE, INC., THE
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX sold my loan to The Money Source XXXX with XXXX  acting as nominee for XXXX XXXX XXXX. The assignment of my mortgage validating the sale of my loan and ownership was signed by XXXX XXXX assistant secretary of XXXX and notarized by XXXX XXXX. The assignment of my mortgage states XXXX XXXX appeared before XXXX XXXX, known to be the assistant secretary of XXXX  which is a fraudulent statement. XXXX XXXX is the Vice President - Legal and Compliance at The Money Source XXXXXXXX and XXXX XXXX  is the receptionist for The Money Source XXXX  The transfer of my mortgage was done fraudulently and The Money Source XXXX has no legal ground to foreclose or take my home when the assignment used to acquire my property was not done according to federal regulations. The Money Source should be sued and fined for the mishandling of my mortgage and I'm sure many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
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:
Payments on the mortgage have been current since XX/XX/2021. Company acknowledged this but has still not sent updated correction to Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Between the dates of XXXX - XXXX & XXXX - XXXX it has my credit report saying that i was late. I called them to have it fixed but they said they would not change it on my credit report even though i am up to date and have not been late since XXXX of XXXX  because of the downturn of the economy in the oil and gas sector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 am still awaiting feedback from the complaint I submitted with TransUnion on my credit score. It's been over 60 days since TransUnion 's initial response on this complaint filed here and I have not heard anything back, nor has anything been addressed as to why my credit score dropped XXXX points without a reason. 

There is still an ongoing problem with XXXX XXXXXXXX XXXX XXXX XXXX  either not reporting my payments to TransUnion, XXXX, and XXXX, or with these credit bureaus not updating the loan status on my credit reports. The loan balance has not been updated since I made a payment on XX/XX/XXXX. This is an ongoing issue. The balance on my XXXX XXXX XXXX was {$8800.00} on XX/XX/XXXX. On XX/XX/XXXX, the balance was {$8600.00} and as of today, the balance is still being reported at {$8800.00}, as of XX/XX/XXXX. As of today, the balance is {$8600.00}. 

This results in an old past due student loan from XXXX never falling off of my credit reports, keeping my credit score from improving. The last past due/missed loan payment occurred in XX/XX/XXXX, and the XXXX loans have been paid off since XX/XX/XXXX. 

I want these issues resolved as I am trying to restore my credit score to what is was prior to the XXXX point drop back in XXXX XXXX. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I originally asked Captial One to close my online XXXX checking account. However, they would not close my checking account due to overdraft protection being included in my Chapter XXXX Bankruptcy. Also, I requested my checking account not be included in my bankruptcy. This will be my second complaint to Capital One about closing my online XXXX checking account. The first response was no help whatsoever. I called both numbers on the letter that was mailed to me. On XX/XX/2021, I called the XXXX is no longer in service or a working number. Then on XX/XX/2021, I called XXXX, ext. XXXX to get a hold of XXXX with Capital One. However, the extension was no longer valid. The letter states that I owe a balance on my online XXXX checking account, but it does not state an amount and who and where to send a check or money order to. On XX/XX/2021, I called Capital One customer service and the customer care agent told me that she could not find a balance on my account and what Capital One is talking about. The customer care agent could not even pull up the letter. Also, I asked the customer care agent to close my online XXXX checking account, and the computer would not give her the option too. The customer care agent felt really bad because she could not help me or her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Carpio Partners, a collection agency, is reporting ( 2 ) medical debts on my credit reports. 
The agency has not mailed a notice of these alleged debts nor notified me as to the legal disclosures and rights under the FDCPA. 

I have no recollection of these medical debts plus I have medical insurance that would had paid for any medical services provided. 

! - Acct # XXXX -- -- amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019. 

XXXX # XXXX -- -amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: MA
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:
I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: TX
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:
Complaint : ( XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b XXXX 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC XXXX Balance {$620.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of 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 2020-06-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Someone tried to con me into using my credit card to purchase over {$6000.00} of merchandise. They played it under the guise of a job offer, and gave me a bank account number to pay off the credit card with. Unfortunately, the bank account was closed or frozen or something, and my credit card payments were returned. I returned the merchandise, so no money was lost. However, Citi closed my account because of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Second Complaint about lowering my FICO score drastically when Equifax, XXXX and XXXX   show all the same information and XXXX  and XXXX did not drop my scores by 57 and 58 points respectively on the first ( XX/XX/XXXX ) and second report ( XX/XX/XXXX ). 

They are doing NOTHING about this, will not discuss it with me and this is the second time in two weeks they have dropped my score 56-57 points for no reason. 

This is very harmful for my credit rating and the fact that since XX/XX/XXXX, I have worked diligently to pay off all my credit and reestablish myself with excellent credit and reports. 

I was one of the breached with Equifax and keep a close eye on what it going on on their site and this is totally unfair and they should have to answer to YOU and ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MO
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 am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MIDLAND FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of 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 2020-04-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Try to pay it but sent to collections Account number XXXX Collection opened XX/XX/XXXX Account type Open account Balance Loan Amount {$94.00} - Payment Info Original loan amount - Balance {$94.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account with a company called XXXX XXXX has appeared on my credit report late last year. I called this company at XXXX to inform them that I had not applied for this credit card. 

They have taken more than 30 days to get back to me and now this fraudulent account is hurting my credit score. I have already provided them with a police report that documents this account as fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

CBE GROUP account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I just got off the phone at XXXX XXXX  PacificTime with staff-members from TRANSUNION in Pennsylvania, over talks about how a fraud account has reappeared on my report months AFTER deletion pursuant to letters i initiated explaining that it doesn't belong to me. I was trying to get help with understanding why i was stripped of my FCRA rights during their reinvestigation proceedings, i was NOT sent any written notification within 5 business days of reinsertion, which is a FCRA LAW the reporting agency TRANSUNION did NOT abide by. I was suppose to of been sent a description of how they went about their procedures determining how this fraud item was all of a sudden accurate. 
Here is the dispute case # of when this item was removed from my report : XXXX Item was marked as fraud and removed by TRANSUNION in XXXX XXXX The staff-member today told me it was then later reinserted in XXXX but under what premises was this necessary and lawful? Where was the consumers notification in this unnecessary action? Not lawful and Nowhere! This is TRANSUNIONS mess up they need to clean up! Asap, they are endangering consumers livelihoods with such costly mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay into a loan servicing company LoanCare We have an escrow account and at the end of 2017 -- we had paid into the escrow {$6600.00}. The disbursements were {$3800.00} which left us with an ending balance of {$2800.00}.

We have tried on multiple occasions to contact LoanCare and can not seem to get anyone on the phone to explain why they haven't returned the ending balance to us. There is an option to leave a call back # which we've also tried and again, no one returns the call.

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 2017-09-13
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSWORLD SYSTEMS INC
State: RI
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're asking for family members, I repeatedly tell them I am not giving out information over the phone to someone I do not know. They won't tell me what it's about. They won't tell me which person they're actually looking for. When ask what it's about, they tend to just keep yelling the name of their company ( Transworld Systems ). They keep calling even though I've asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: NC
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 reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXXn XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   Credit Card - XXXX XXXX XXXX Card - XXXX XXXX XXXX XXXX Credit Card - 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 2018-01-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Walmart MasterCard issued by XXXX XXXX in the mail on XX/XX/2018 which I did not apply for. The accompanying letter states At the time you applied for the Walmart credit card, an account was not able to be instantly opened. 
I never applied for a credit card and would like to know how this was initiated as I am worried about identity 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 non-monetary relief