BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A Ach deposit was made into my account XX/XX/2020 under another name it's been sitting for 3 years and the originator has not requested it bk the account is still frozen and they will not close it I can not acces my statements and get legal help no one is helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services has set a sale date of foreclosure on my home though I'm in their RMA process after they refused payments directly from me. Returned my payment and required that I call them to make payment arrangements. 
This is my second round of the process and as usual it's a joke. Each submittal of the same information, there is always something missing, etc. They are advising me foreclosure will halt once they get a complete packet. They've failed to review my last submittal and it's now been 5 business days since submitting and only 10 days until the sale of my house. I'm being DUAL TRACKED which is a mortgage violation in Texas. 
Additionally, I did file Chapter XXXX XX/XX/XXXX and it was dismissed in XX/XX/XXXX for late payments as I'm not always paid on time as a consultant. My XXXX Carrington Mortgage Services statement indicates past due amount of about $ 10K. My payment from XXXX has not been applied to the amount owed. 
My mortgage has increased every year as they can not calculate so my escrow has been in the negative for years. They tact that amount on top of other fees bringing my amount due on the XXXX statement to almost $ 43K. 
I have not seen any documentation as to the transfer or bought rights to service my mortgage either though I've asked. 
Additionally I did not receive statements during my bankruptcy and did not ever receive documents concerning what they agreed to be paid during the bankruptcy. Those statements aren't available to me per my conversations with Carrington Mortgage Services representatives during phone conversations. 
I paid in almost $ 29K from XX/XX/XXXX to XX/XX/XXXX, statements are not giving credit for those payments. It looks as if they're going to the let the foreclosure procedure before reviewing or finishing with the RMA process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I noticed a collection agency by the name of Commonwealth was reporting collections for me that I had no idea who they belonged to as I have no knowledge of this debt the company claimed I owed. I disputed the collections with the credit bureaus several times and they have instructed that I contact the collection agency directly. I attempted to contact Commonwealth by certified mail requesting validation of debt and as of date the company has failed to respond to me and continues to report inaccurate information despite my notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for re-finance loan with LoanDepot.com in XXXX XXXX. They started with collecting appraisal money and obtain appraisal on their own. They did not inform me the results for several weeks despite asking them and calling them for results. When I received the results, it was lower than expected. I again wanted to discuss these findings with the lender but did not get response for days. When I finally heard from lender, they required me to change the terms of the loan. I agreed to it but then it days to get response from them about next steps despite leaving voicemails and emails. When I do get response from them, they asked for additional documents even though only change in the loan was new lower amount. I provided additional document but took them days to asks for more documents. Now days has gone passed and I am asked to run my credit check again in XX/XX/XXXX because it has been too late since the original check. There has been no clear answer when the loan will be closed. The representative have been communicating very poorly. The customer service department can not get hold of anyone when I tried to call them multiple times. Anytime I call the representative, it goes to voicemail. They do no response to voicemail as they don't even listen to it. Because they agreed to provide me loan I declined other loan offers at the time. Now the interest rate has increased and I am not able to get same offers back. I would be paying thousands of dollars more over the course of the loan for going to another company. But LoanDepot is not providing any clear answers as when my loan will be closed. I am unable to move forward with other items that I have to do - such as pay off car loans and student loans as I don't want to impact my bank balance before closing. The large company - LoanDepot says their priority is customer service but I am not getting any service from you. The experience has been frustrating. 

The company also added charges on the loan disclosure that were not there previously. When called to inquire about them they offered me 'compensation ' for those charge on the phone conversation. I have not seen any documents stating this compensation clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company. 

I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ). 

I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019. 

I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: National Recovery Service, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ). 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: Untimely response
Consumer complaint received 2019-11-11
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I filed a compliant against Simm Associates through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XXXX  2019-XXXX  2019, every phone conversation with a representative of Simm Associates was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called Simm Associates on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, XXXX XXXX XXXX. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XXXX XXXX, 2019. 

I called XXXX XXXX XXXX on XXXX XXXX, 2019 to get information about where my loan was and why it was being moved and if it can be moved back to XXXX XXXX XXXX. A representative there said that once the debt is given to a collection agency it can not be given back and that Simm Associates by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why Simm Associates is incapable of providing quality service to people who are willing to pay down debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They sent me a bill on XX/XX/19. I tried to dispute some charges and they were not willing to work with me so I quite paying them. Now it's XX/XX/19 and they call me repeatedly and misrepresent themselves as lawyers and they are filing a lawsuit with me. Now they are calling my work and harassing my co-workers to speak to me @ work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN 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 non-monetary relief
Consumer complaint received 2022-12-02
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi there, 1. I have contacted Guaranteed Rate ( XXXXXXXX XXXX XXXXXXXX or XXXX ) as I have made two payments to them in regards to my newly opened mortgage. The payment I made was was from a payment coupon I received from Guaranteed Rate however both my payments were not correctly applied to my mortgage. I have called in to have them correctly applied however they have only applied one mortgage payment. I've been trying to get a confirmation that both my payments have been applied.

2. My mortgage was sold to another provider - XXXX XXXX XXXX XXXX XXXX however when I call them ( XXXX ) they have no record of my mortgage being transferred to them from Guaranteed Rate. In addition, the mailer I received from Guaranteed Rate indicates that my mortgage has been transferred with the original principal balance meaning no payments that were made by me were applied correctly. 

3. After countless calls and emails, no one can tell me where my next payment is due. Guaranteed Rate noted to me that I can not make my XX/XX/2021 payment to them since my loan is transferred to XXXX. When I call XXXX, they have no record of my account with them even when I provide my name, SSN, or property address. I don't know who to make the payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: MI
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 recently disputed a line item on my credit report with Experian. It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX complaint that states the following. Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Experian reports this account being removed on XX/XX/XXXX, one year past the allowable date. Please see all attachements from XXXX supporting my cause. Experian is the only reporting agency yet to correct this error, since the information provided does not meet their criteria. I have tried multiple times to fix this with Experian without success even though I have provided them with the attachments in this complaint directly from XXXX supporting my case. It has been a frustrating situation that needs to be resolved. 
Please note this complaint contains an attachment from XXXX with respect to CPFB complaint and resolution. The information is right there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: OH
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:
Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

OHIO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ALLY FINANCIAL INC.
State: MI
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:
My vehicle was stolen around a year ago and the auto loan was paid for by my insurance company. I was given a final settlement amount, which i paid in full, and then was told that this account is closed and complete. I later noticed that this account was destroying my credit score as the account was listed with 2 charged off payments in the months following the theft ( XX/XX/XXXX./XX/XX/XXXX. 2020 ). I contacted the loan company many times ( 20-30 times by phone ) and was transferred, hung up on, and many of the people I talked to were confused by my complaint. Finally, I reached someone who understood and would look into it. They later found out that there was a mistake on their end and they told me they'd fix the issue and send an updated report to the credit bureaus to fix my credit score. They also sent me documentation to show that the account should be closed in good standing ( no charged off payments ). This was months ago and my credit report has still not been updated/fixed even after multiple disputes with the credit bureaus and follow ups with the loan company. This has caused me to not be able to purchase another vehicle and have to push off buying my first house this year.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

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