BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
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:
SENT FTC AND CFPB WITH XXXX, XXXX, AND EQQUIFAX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: Bay to Bay Lending LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am the seller of the address listed XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The buyer was obtaining an FHA loan through Bay to Bay Lending XXXX Florida XXXX XXXX XXXX # XXXX Fed XXXX # XXXX. On XXXX XXXX, 2015 the title company closed this property HUD 1 was approved and full loan package was signed by the buyer XXXX XXXX XXXX. On XXXX/XXXX/15 XXXX XXXX advised that the Mortgage broker had made a mistake they would not fund the transaction. I was then advised that they made a mistake and another appraisal was necessary ( at my expense ) After incurring Attorney 's fees and numerous expenses the transaction was finally funded XXXX/XXXX/15. HELP! this is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Razor Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is a continuation of complaint XXXX as it has not been attempted to be resolved as the mortgage company is stating it is. They have yet to accept my bank bill pay certified checks that were sent to them in XX/XX/2019 in the amount of {$XXXX and another in the same amount in XXXX of XXXX or send them back. They claim they have never received them, however they sent a refund check to the rental house in XXXX along with all the other communications. I finally located the 2 personal checks they returned to the rental house as well as one refund check from Amerihome for one of the checks they claim they never received. 
I have made several attempts to contact this company, Amerihome. after 30-40 minutes on hold I have spoken to several different people at the company with no results. 1st I asked for bank certified checks to be refunded to me or be applied to my loan. They don't have them. However they sent one refund check for one 'they never received ' however since they mailed it to the wrong address I didn't get it before it expired. I sent them my bank statements showing that both were taken from my account. They requested that the bank bill pay company prove that the certified checks were cashed. I contacted the bank bill pay company and was told that the checks are sent as a whole payment from all their customers to their bank at XXXX XXXX and can't be shown as an individual check. Most companies accept the bank statements but not Amerihome. The bill pay company attempted to reach out to Amerihome but they refused to speak with them. I contacted Amerihome, waited on hold for the typical 30 minutes. They stated they won't talk to them without my approval first. So I asked them to hold while I have them on the phone so I can contact the bill pay company and conference them together, but Amerihome hung up on us. They have been rude and have no motive to clear this issue up as they have my money and have my house too. 

I have tried to get this mortgage back in good standings. Amerihome tells me to contact the foreclosure law firm, which I did. They told me if I want to get in bank in good terms I need to talk to Amerihome. I explained that they told me to contact their law firm. The law firm told me they get this all the time from Amerihome but have to send them back to Amerihome to litigate the loan. I called amerihome back and tell them I want to litigate the loan to get it back in good standings. Again after the 30 minute hold time I am told that they can not work with me I must contact the law firm! So where do I go from here? I feel amerihome has a scam going here that they can refuse your payments, not tell you about it and then foreclose on your home stealing the payments you sent them. Something should be done about the scam of a " mortgage '' company. 
I need help to get this matter cleared up as amerihome is not motivated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm getting a derogatory mark from XXXX XXXX that I'm paying through USB Collections I called them 3 times to let them know I changed Bank Accounts. It was a charged off account but now it's showing not just a charge off but newer late payments after being charged off. On XXXX XXXX and XXXX left messages with no response My go to person is XXXX XXXX her Tell # is XXXX. My reference # XXXX I get her voice mail and says she would call in 24 hours and hear nothing from her My XXXX XXXX says XXXX is reporting it a late. I understand with the corona virus there are delays but I need them to contact me so that I can take care of this. Please someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: NJ
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 at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

XXXX XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

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 2019-12-06
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:
In XXXX of 2019, settlement was reached with two of four accounts with XXXX XXXX. Submitted in late XXXX paperwork to Experian, a copy of the settlement agreement with my legal team and XXXX XXXX. Provided online checks to XXXX XXXX and with a copy of the settlement. Experian, adjusted the amount to show balance - paid amount, not the XXXX  balance agreement of the settlement. Please adjust the account to a XXXX  balance per the settlement Experian has a proven record of " delayed '' and " error reporting '' of consumers credit reports. Needs to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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'm not swayed that Bureaus and the Creditor has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed. Stated below is the account that is in question : CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, XX/XX/XXXX, I checked my credit score, and saw that a XXXX XXXX account had been opened in my name. My score took a gigantic hit. I did not open a XXXX XXXX account. I believe that my father opened an account in my name and used my information to commit fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: National Arbitration Forum
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
ON Friday, XXXX, XXXX, XXXX, my son, a friend, and I received a call/message from XXXX XXXX, and investigator for XXXX '' saying he was scheduled to come out and serve me a summons on Monday the XXXX at my house or place of employment. I could avoid this action by calling the petitioner, and gave an XXXX number. Said if I did not call that day, they would place a body attachment on me for contempt. This exact information was repeated on all three calls or message. 
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney, checked my credit report, and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address, and it is the same address of another company, XXXX XXXX XXXX XXXX, that attempted this same thing with me in XXXX. At that time, a collection had been placed on my credit file, which I disputed and proved payment, and it has been removed from my credit report. I filed a complaint at that time on that company as well. 
Since the debt has been paid and the company issuing the loan has since closed, I feel sure this is a scam, and the company has violated laws with their threats and sharing of information to other persons who are not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There is no point to contacting Capital One. They believe their actions are justified, when they are not. Capital One also retaliates against complainants. 

Capital One is threatening customers with financial ruin, shutting down their accounts, if that customer gets angry at their extremely poor customer service or treatment. They are sending threatening emails to shut down that customers financial accounts. Capital One is claiming it is in their " policy '' to not allow " swearing '' and are thus justified in causing someone's checks to bounce, bill pays to fail and that customer to not obtain their direct deposits by shutting down a customers financial accounts. 

Capital One repeatedly has direct deposit, ACH failures with the claim the customer should use their 'debit card ' for direct deposits instead of repairing those ACH fails. Direct deposit with routing number and account number is a basic feature of any bank yet repeatedly Capital One has ACH failures and claims there are no record of those failures when the sending party does indeed have a FAIL record of the direct deposit attempt. Capital One claims to the customer they should " open a new account '' then refuses to let that customer open a second checking account on the phone and claims they must open it online. Then while online, that second account opening is denied and a phone number is given. Then Capital One demands a decade old, long verified customer send via unencrypted email a copy of their driver 's license and SSN card. If the customer finally gets angry, raises their voice or swears, Capital one sends that customer a threatening email to shut down all of their bank accounts. This is without resolving or repairing their ACH and payment failures. 

If one forwards this threatening letter to executive offices, Capital One in turn calls the customer repeatedly, recording conversations, trying to justify treating the customer in such an abusive and financially threatening manner. That is retaliatory. It is Capital One 's policy to shut down customers financial accounts over social, societal or " behavior '' deemed " unacceptable '' by Capital One. Cussing is not a criminal offensive and either is expressing anger at such banking incompetence that is Capital One. 

Capital One threatens, intimidates, causing financial loss, to customers who dare raise their voice or are angry over the inability to obtain basic banking services. Capital One is discriminatory. Woimen are more likely to receive this treatment because Capital One does not approve of their " behavior ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit 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 2020-04-13
Company: EQUIFAX, 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:
On XX/XX/20 and XX/XX/20 I sent two certified letters to Equifax asking for the removal of accounts and inquiries that didnt belong to me. I also asked for the original documentation to be sent to me which they never sent. I sent another letter on XX/XX/20 asking for methods of verification after I found that Equifax said they verified the inquiries but yet one of the creditors removed it after they said it was inaccurate. Another letter was sent on XX/XX/20. I have not received anything tying me to the debt or inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX 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 explanation