BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have two small claims suit from Midland credit, justice of the peace XXXX place 1 court. cause # XXXX and XXXX, I was not notified of debt prior to small claims suit. I was first served on XX/XX/XXXX, during the height of the pandemic. Research showed me that Midland did a hard credit inquiry on my credit report on XX/XX/XXXX before assuming the debt. Midland created a small claim suit that states ; 1. account last used XXXX 2. fraudulent documents of name and address and phone number 3. collection statements on credit report with incorrect dollar amount 4 , fraudulent date of assumed debt 5XXXX fraudulent statement of notification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-10
Company: States Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While living in XXXX, XXXX I received electric service from XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I requested service be disconnected immediately because I was moving that day to XXXX, XXXX ( outside their service territory ). On XXXX, I received an email from XXXX confirming my move-out request and then did not hear from them again -- no email, no snail mail. 

I never received a final bill. Then, in XX/XX/XXXX, I notice on my credit report that there is a collection for {$330.00} from States Recovery Systems representing XXXX. I spoke with several reps at XXXX and they refused to recind the collection or accept a payment directly. On XX/XX/XXXX I paid the amount in full to States Recovery Systems. 

In XX/XX/XXXX, I disputed the collection with XXXX and XXXX. The collection was marked " paid '' but was not removed as I requested. Since I never received a bill for this, I expected it to be deleted from my credit report but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had called to try to make arrangements to catch up my car payments, so around XXXX/XXXX/15 i called my car company and asked the representative to setup a payment on my account and to take out XXXX payments on XXXX/XXXX/15 ; I realized that she had included late fees, so I called today to adjust the amount because I could n't pay the late fees but was able to pay the XXXX payments as scheduled ; The representative said that she needs to get a managers approval ; Then all of a sudden I think her name was XXXX jumped on the phone ( now this isnt the XXXX time me and her didnt see eye to eye. She wanted to know the reason i was reducing the payments ; advised that i was trying to get the payments caught up and then i will pay the late fees ; she told me that according to my history I dont stick to my arrangements that I set up ; I then got upset and advised that she can cancel the payments all together and I will just come in and make the payments ; she was irate and belittling ; i ended the call because advised her that I will be late back to work soon. I called back to try to speak with her manager and to cancel the payments ; I was xferred back to her and I kept asking for her manager but she wouldnt give him to me ; I asked his name several times and she sd XXXX ; I asked to speak with him but then she was asked if I was going to terminate the call again. I dont want to deal with them as my car company any longer and am trying to catch up on payments so that I can try to make XXXX payments and just pay it off sooner, I feel like she was belittling me and kept referring to me being a collector myself I should know how it is ; I then told her I am not giving her permission to take any payments out of my account then and sd tht I cant stop them from taking what is owed. I will be seeking legal advise as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: 21ST MORTGAGE CORP.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: AZ
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:
1. XXXX XXXX XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 XXXX. Bank XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  SYNCP/JCP account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report

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 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
1. Midland Bank XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 3. XXXX  XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  XXXX account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX XXXX {$3400.00} DEPTOFEDUCATONXXXX  XXXX {$3400.00} DEPTOFEDUCATIONXXXX  XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX  XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX  XXXX {$970.00} XXXX XXXXXXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}

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 2016-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Tuesday XX/XX/2019 I contacted Mr. XXXX at Mr. Cooper 's Home Loans to refinance my current mortgage held by Mr. Coopers. Mr. XXXX indicated that based upon my circumstances he recommended that I refinance the house in order to lower my payment. I have a copy of the e-mail where he made the recommendation. He then indicated that I needed to go on and complete the application and provide the supporting documentation in order to close the refinance. I went online and completed the online application and submitted the appropriate documentation. On XX/XX/XXXX I emailed MrXXXX XXXX and informed him that I had submitted all of the paperwork and wanted to know what were the next steps. He emailed me back indicating that he wanted to make sure " we were on the same page ''. I did not hear back from him again and then when I went online and my refinance was completely removed online. I then contacted Mr. XXXX again from XX/XX/XXXX to XX/XX/19 with no response and no updated phone call. I then contacted Mr. Cooper regular customer service and they couldn't provide an answer. I then talked with a mortgage associate named Mr. XXXX and he indicated that he would not issue me the refinance because he thought I was better off in my current loan. I then contacted MsXXXX XXXX who is the manager for both mortgage associates and she agreed that my refinance was not handled correctly and that she would work to get it put back together and have it completed and that it was my decision to refinance not the mortgage associates. I then received a call again from Mr. XXXX and was told that I needed to stay in my current mortgage. I then contacted MsXXXX XXXX and Mr. Cooper 's Consumer Affairs and have not received a return response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

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 2020-08-10
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have been trying to get my credit report updated for MONTHS. I have made several calls to Navient, XXXX, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from XXXX, it is NOT showing the correct amount of my loan that has been paid off. I contacted Navient about 8 times now asking them to please send XXXX  the correct amount of my loans that have been paid. After contacting the XXXX XXXX XXXXXXXX I was put in contact with XXXX XXXX of Navient who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND XXXX at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX XXXX XXXX membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with 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 2016-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
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:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: U.S. BANCORP
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am pending a lean request waiver on my old car so I can put vehicle plates on my new car. I purchased my new car XXXX XX/XX/2019. My first complaint was XXXX XX/XX/2019, and I hace complained to the bank once per week since. They have failed to provide the lein request waiver, and do not document our conversations in their system. Everyone I speak to is 'Sorry ', but nothing has actually been done to help this situation move forward on the Bank 's side.

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 2020-08-10
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TDBank 's loan servicing process and supporting systems are inadequate. My spouse and I regularly make additional principal payments on our mortgage, which is allowed with no penalty for our mortgage type. TDBank 's IT systems do not allow one to pay down additional principal online. Every month, we must instead follow a two-step process : 1 ) Submit the extra principal payment through the company 's separate 'payments site ' ( as extra principal payments can not be completed through the regular Online Banking website which we log into to view our account ). This money is then routed to an " unallocated account. '' 2 ) Follow up with a phone call to TDBank 's customer service to request the unalllocated amount to be applied to pay down principal on our mortgage. 

This cumbersome two-step process can take up to 2 hours per one extra principal payment. For example, I called in on XXXX at XXXX and was on hold for 1 hour and 15 minutes to speak with someone to allocate a principal payment I made that day. I finally reached the agent, only to be told the payment hadn't settled yet and so they could not allocate my payment to principal yet. We make extra principal payments at least one time in every month, so you can do the math on how many hours it would take to make ~360 extra principal payments over the course of a 30-year mortgage.

Every other bank in the U.S. we have had a mortgage with has had an option to pay down extra principal on their regular Online Banking platform. The fact that TDBank does not offer this through Online Banking appears to be an intentional attempt to make it difficult for customers to pay down extra principal in order to boost TDBank 's bottom line ( i.e. because they are not earning interest on Prepayments ). It is a known issue at the organization, as every customer service agent I have spoken to each month apologetically explains that I need to call in each month to have them allocate my extra principal payment, and that there is no streamlined process to be able to do this more efficiently considering it will be a regular occurrence. We also requested the ability to pay bi-weekly, and were told no. 

We initiated our mortgage with a different bank, and our mortgage was subsequently sold to TD Bank. TD Bank 's loan servicing is so unacceptable that my spouse and I are considering refinancing at a new bank just to be able to pay down our mortgage at our own schedule and convenience. We know that refinancing would result in extra costs incurred for the transaction, but we do not have time to spare to battle TD Bank 's intentionally cumbersome process every month until our mortgage is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Other fee

Complaint:
When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ENHANCED RECOVERY COMPANY placed a derogatory mark on my credit file without notifying me about this first to me. 

I have tried asking XXXX to give me the original dates this was incurred, which is outside the statue of limitations, but they refuse to give me proof. All they do is send me a copy of an invoice. My contract with XXXX ended in XXXX. I was prepaying for services since then, and switched to XXXX XXXX early XXXX. Again, I have asked for proof of when this became delinquent and all they do is send me copy of a bill. 

Now ENHANCE RECOVERY PLACED a negative mark on my credit file this past month without me knowing and it resulted on my score decreasing 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: PA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation