BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: ID Analytics, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX  XXXX, CT. 
Wanted credit report from " Sagestream llc ''. 
Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. 
They refused in a call back by saying " Doc '' was expired which it was not. 
Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. 
Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Bread Financial Holdings, Inc.
State: OR
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:
Went shopping at the XXXX/XXXX XXXX XXXX  store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX  collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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 is missing that should be on the report

Complaint:
I HAVE SOME MEDICAL BILLS ON MY CREDIT REPORT, BUT THIS COMPANY IS VIOLATING HIPAA LAW. 

IM REQUESTING TRANSUNION TO REMOVE COLLECTIONS AS THEY VIOLATED HIPAA LAW. 

PLEASE BE ADVISED THAT UNDER FEDERAL STATUTES, THE FAIR CREDIT REPORTING ACT, ( 15J U.S.C. 1681 ET SEQ ) AND CALIFORNIAS CONSUMER CREDIT STATUTES, AND SUBTITLE D OF THE ARRA, SEC.13401. APLLICATION OF SECURTIY PROVISIONS AN DPENALTIES TO BUINESS ASSOCIATES OF COVERED ENTITIES, AND DEC. 134407 ( 1 ) BREACH OF SECURTY. 

THE TERM " BREACH OF SECURTIY '' MEANS WITH RESPECT TO UNSECURED PHR IDENTIFIABLE HEALTH IMFORMATION OF AN IDIVIDUAL IN A PERSONAL HEALTH RECORD, ACQUISTION OF SUCH INFORMATION WITHOUT THE AUHORIZTION OF THE INDIVDUAL YOU MANY BE HELD LIABLE FOR THE ACTIONS OF 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 2020-08-20
Company: Experian Information Solutions Inc.
State: AL
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. 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 explanation
Consumer complaint received 2020-06-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of XXXX Lakeview Loan Servicing LLC paid to XXXX County two payment of taxes after audit from XXXX. the amounts they claim they paid were XXXX and XXXX. To my knowledge, the XXXX was paid in error, and not owed, yet is was taken from escrow account. Further investigation shows that XXXX county never received the XXXX, although they did receive XXXX on XX/XX/XXXX. I brought this discrepancy to the attention of Lakeview Loan Servicing LLC on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX - who said it would be looked at by XX/XX/XXXX. After getting no response I brought it up with supervisor XXXX on XX/XX/XXXX and again with XXXX on XX/XX/XXXX. I still did not get a response so I brought it again to supervisor XXXX XXXX on XX/XX/XXXX. He said he would escalate to Tax dept. On XX/XX/XXXX I received an email from customer support stating that they would respond in another 3 days, and then on XX/XX/XXXX another email stating they were still investigating and would respond within 3 days. After hearing nothing more, I called again on XX/XX/XXXX and spoke to supervisor XXXX. He said he would escalate to tax dept. After explaining we had already been down that road, he transferred me to Leadership member XXXX. While once again explaining everything to XXXX, who seemed to understand the problem, we were disconnected. I called back and no one was able to transfer me back to her. They stated that the notes showed that the check for the tax was sent and they would, once again, have to investigate. I have let everyone know I have documents showing tax history and that the XXXX was never received. 
I believe Lakeview has been giving me the run around and has not seriously looked into the issue since originally brought up midXXXX, XXXX 1/2 months ago.

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 2020-11-13
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Im the Fiduciary for my deceased fathers Estate. I attempted to get the payoff for the home. When I called XXXX and requested the payoff amount for the mortgage. They then referred me to the law firm ( XXXX XXXX XXXX XXXX ) handling the foreclosure. I requested from them in writing the payoff amount of the loan along with the amount needed to reinstate the mortgage. The law firm requested fiduciary documents. I provided those documents and they notified me theyd contact XXXX regarding my request. XXXX came back with documentation stating that I must provide some type of contract before they can provide the payoff amount for the mortgage. This is a violation of Reg 1026.36 ( C ) ( 3 ). Their refusal to provide the payoff amount prevents me from fulfilling my court appointed duty as Fiduciary, and from trying to save the home from foreclosure. This should be more transparent. The mortgage company/lender should be able to provide the amount needed to payoff the house mortgaged by them. A contract from some other third party has nothing to do with them being able to provide a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit 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 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One has mailed out a letter stating that XXXX released information about my account/transaction to them when no permission was asked. For the record, I would have not minded being on the call and giving my permission. No permission was asked!!! Based on my recent call with executive offices I believe that the letter was generated solely to deny my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A account was opened with XXXX using my SSN in XXXX WI in XX/XX/XXXX without my consent or knowledge by a person I do not know. This account fell into collections and I was not made aware of it till a collections agency showed up on my credit report. on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested a validation investigation from LVNV Funding. XXXX XXXX XXXX responded ( XX/XX/2020 ) that they handle account for LVNV Funding. Requested a validation from XXXX XXXX XXXX ( XX/XX/2020 ) and they have not responded or validated the account. A 2nd Letter was sent ( XX/XX/2020 ) and there was still no response. They are reporting to the credit bureau and responding to the credit credit bureaus request but not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX  2018. The bureau reporting is XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XX/XX/XXXX and it was removed from all the known agencies. 

In XX/XX/XXXX this year i have discovered that the item was reinserted to my Equifax credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently reside in our home that was purchased for XXXX in XXXX, and we applied to refi in the late XXXX 's and early XXXX 's for college loans and roof repair and unfortunately, unbeknown did not know that the lenders were predatory lenders who escalated our loan to double and now triple the amount to now XXXX! This Summer I was unemployed and unable to make payments for XXXX, XXXX, XXXX. Every week I would speak to a different person at XXXX and they would advise me on what to do and as I did so it was the wrong directions each time I spoke with a Seterus worker. I was told to send a payment of XXXX plus XXXX late charge in XX/XX/XXXX, by certified funds in which I did because there was a block on my account not to accept a personal check, From there I was told a payment plan could be worked out upon receiving those funds. However, the payment was returned the first week in XXXX and my house went into pre foreclosure on XXXX XXXX, XXXX. I happened to call and was told by another Seterus rep to pay XXXX prior to that and the next told me I could not make that payment because of the pre foreclosure status- I spoke with another Rep. he walked me through the modification app which was rejected because of previous modifications in XXXX, etc. I spoke to another Rep from Seterus and she said, " I was put on a re payment plan starting in XX/XX/XXXX, paying XXXX by the end of XXXX and each month until XX/XX/XXXX - Well, I received paper work that stated the repayment plan would be XXXX starting with the first payment due XX/XX/XXXX, instead of by the end of the month which would have given me more time and that's what I had planned for prior to the letter I received - which I think was unfair because the budget was set for the end of XXXX In addition, It must be paid the first of each month-not even the XXXX of the month - Our home is currently underwater and is only worth XXXX because of the predatory loan amount added on over the years which is now an outstanding amount of XXXX which should be reduced to the affordable amount. Not the predatory amount that is designed to put us out of our home after 24 years and continued increases by banks over the years and servicers making money. As a hard working person that was victimized almost 12 years ago I would like to see this predatory loan reduced so that we can afford to continue living in our home and not be foreclosed on and the repayment plan should have been more workable as was the first verbal agreement that was told for the end of each month and funds must be sent certified via XXXX XXXX to arrive the first of each month. I would like for this predatory loan to be reduced to a more affordable mortgage payment or the repayment plan to be more workable for each month. We worked hard to purchase our home and do not want to give it to the predatory lenders who have already made money off us-therefore, the house will continue to be in pre foreclosure status until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

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