BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are attempting to fix our house from storm damage. The mortgage company Mortgage Solutions of Colorado took our insurance check and it has been increasingly difficult to get payment from them to pay our contractors. I recently submitted the required paperwork for payment to our painter, had the inspection and then i received an email stating " Your loan has been service transferred, our company is no longer assisting with claim. You will have to contact new servicing company : XXXX XXXX XXXX, XXXX XXXX Thank you, Loss Draft Department '' I called this number and can not get in touch with a human. I tried contacting this " new company '' ( XXXX  XXXX XXXX XXXX ) via other numbers I found on the internet and have been unsuccessful at contacting anyone who can assist me with any type of helpful information. I received a letter from the mortgage company Mortgage Solutions of Colorado ( our original company ) stating that the only change with the company is to mail our payment to Texas instead of Illinois. This is a very inappropriate business practices, I want to know where my insurance money is and how to access it. My house was painted in XX/XX/XXXX and it is now the end of XX/XX/XXXX I need to get the painter paid. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took my home mortgage through XXXX XXXX and eventually the home loan was sold to Wells Fargo. During my interaction with XXXX XXXX, I was told that my PMI will be removed if my home value is equal to or below 78 %. Currently my LTV is less than 78 % of my City 's appraised value. 

When I spoke to Wells Fargo, I was given 4 options and the most likely option that will enable the PMI to be removed says my LTV has to be 75 % which is misleading and unfair and not in accordance with terms I was told during the loan process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US bank has opened an account in my name with funds deposited from Unemployment checks. I did not file for Unemployment nor did I request an account to be opened. I have received an ATM card for use in accessing these funds which have been fraudulently requested by unknown persons. Recently, I did see in the news where US Bank had been fined by the Government for opening up fraudulent accounts. Am I part of that or fraud at our state level. To date, I have not received a call, email or text from US Bank, or CFPB,

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 2018-12-12
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX  loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have paid already to XXXX  XXXX  a debt collector FROM CAPITAL ONE. I attached proof of payemtn with letter from XXXX  XXXX. 

Can you take it off my credir reportp please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon! I am filing a complaint in regards to a Capital One account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & Capital One, nor XXXX, XXXX XXXX XXXX Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to XXXX as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from Capital One or XXXX. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXX was not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.

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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 found out end of last year when I tried applying for a car loan that a Capital One credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX  ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. Capital One responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems Capital One is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. Capital One is not attempting to collect from that address. Capital One Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 sent a complaint to XXXX XXXX on XX/XX/18 about an account open on XX/XX/2018 which showing my loan balance in incorrect should be XXXX and i would like for it to be corrected or deleted from my report.i understand that they have 30 days to response to my letter before its a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 & XX/XX/2021 I sent certified letters to Synergetic Communication , Inc and they have completely ignored my request for validation of the allege debt this company says I owe. I have asked for them to cease all collection attempts until they have proven that they have the authority to do so. I also asked them to provide me with with supporting documents or contact each credit bureau and tell them to remove/ delete the allege account..

It is now 3 months later and still I have yet to be taken serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

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 2020-06-27
Company: LD Holdings Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid my LoanDepot mortgage in full on XX/XX/2020. I had attempted to speak with them multiple times and they did not answer after placing me on hold for over an hour at a time. I have never missed or been late on a payment. Over a week after paying the entire mortgage in full, LoanDepot placed a late payment on my credit report. Due to their untimely reporting, failure to provide customer service, and failure to even speak with a customer working in a hospital during a pandemic trying to survive in keeping their family in their home, I am requesting that LoanDepot remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
In the past two weeks I received two prepaid debit cards for unemployment benefits, and I never applied for either. One is from KeyBank for Illinois ( received XX/XX/XXXX ), the other is from XXXX  for Colorado ( received XX/XX/XXXX ). I never activated either card. I contacted KeyBank immediately ; was not able to get through on phone ; did online Chat, they told me KeyBank is a third-party provider who can not do anything related to the card and I must contact Illinois Dept of Employment Security ( IDES ) ; IDES doesn't answer the phone and all their offices are closed. So I gave up on that one. The second card from XXXX arrived yesterday, I went to their website where they had a form to notify the bank if I'd received a card for which I never applied ( so apparently this is happening to a lot of people ). I completed and sent in the form. I am deeply concerned that someone is using my name, address, phone to apply for benefits, and the banks don't even have a procedure for me to cancel these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. I didn't see any changes on my report since I've already paid for this account and never missed any payments. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-06-27
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:
To be clear this is a process issue with Equifax. I note it here because I wish others and this bureau to take note. When people move and update their address, Equifax will show addresses that are Not current as such. For instance, I moved ( had a difficult time correcting data - bureau website is not user friendly ) but when Equifax reviews old addresses they will place a date Reported of XX/XX/2020 ; Yes it does say previous address too however, just by reflecting that the Reported date of XX/XX/2020 is there shows that it is current. Specifically, I left the previous location XX/XX/2020 thus this is Incorrect - making it Appear that I have both. This type of reporting caused issues a few years ago too ( of which I kept the documentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I requested proof of their decision after my dispute with in the same letter that was mailed to Equifax via certified mail return receipt requested article number XXXX XXXX XXXX XXXX XXXX mailed XX/XX/XXXX and signed for by Equifax XX/XX/XXXX. 
Under the FCRA 611 ( A ) ( 7 ) which provides Equifax to provide proof of their verification after the dispute, I allowed 30 days after the dispute. Then I allowed the 15 days for the Method of Verification under 611 ( A ) ( 7 ). 
Equifax is in blatant violation of the FCRA for failing to provide proof. 
I plead with CFPB to have Equifax to provide me proof in writing as required under FCRA 611 ( A ) ( 7 ) not just state they investigated after receiving my dispute and that they verified which is not enough under the FCRA 611 ( A ) ( 7 ). 
In addition I also sent communications certified mail return receipt requested regarding proof article number XXXX XXXX XXXX XXXX XXXX Equifax signed for XX/XX/XXXX Equifax provided nothing and another article number XXXX XXXX XXXX XXXX XXXX which was also signed for by Equifax on XX/XX/XXXX. I am keeping careful record regarding every step I take just in case I continue being treated so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a XXXX XXXX XXXX in XXXX and it was closed in XXXX due to non payment. XXXX supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to ARA. Never have I had an account with XXXX nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : XXXX XXXX  XXXX of Call : XX/XX/XXXX Debt : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The week or day of XX/XX/XXXX, I was told by Kia Motors finance customer service representative to friendly render ( reposess-give back ) my XXXX XXXX XXXX although my car payments were up to date. The dealership big red sports and imports mistakenly financed the vehicle in my XXXX mother 's name rather than adding her as my cosigner and wouldn't correct the error and told me that after 6 months of payments that I would be able to call Kia Motors finance and that they would put the account in my name in which that was invalid and didn't happen, I was told that I would have to go to the dealership and refinance in my name and attempted to before ( 6 months of payment history ) and after my mother passed away XX/XX/XXXX and they resorted to offering a new vehicle sale, not to refinance. I sent XXXX with Kia Motors finance my mother 's death certificate and was made aware in XXXX of XXXX by the XXXX XXXX back-office that since there was not a power of attorney, the vehicle couldn't get placed in my name and that since the title was transferred over to me due to the vehicle being for my use and the payments were up to date and made by me since the account opened on XX/XX/XXXX that my name and mailing address, contact/profile information would be updated to my information and to continue to make payments as usual in which I did prior to being told to give them back the car by customer service. My car payment wasn't due until XX/XX/XXXX, customer service told me to friendly render the car on XX/XX/XXXX and I left it at a XXXX dealership on XX/XX/XXXX and advised XXXX XXXX XXXX XXXX XXXX  along with his XXXX XXXX customer service verbally, by chat/instant message & their online portal the location of where I left the vehicle for them to reposess ( friendly render ) per their request.

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