BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX. The mortgage was immediately sold in XXXX to paramount residential mortgage group based out of california. I made my first two payments through them. They then changed to a paramount mortgage group based out of somewhere else ; complete with a new mortgage number. I mailed my third payment to them ( i am paid till XX/XX/XXXX ). My account is an escrow account. I received notice from my insurance company that my insurance was not paid. I called them and they said not to worry with the issues with postage it may just be delayed. On XX/XX/XXXX i received a letter from the mortgage company threatening to force insurance on me at a high rate because i have not provided them with proof of insurance. The letter also claims that i am not set up to pay insurance through escrow which is not true as the escrow amount was set up on the closing of my refinance with my proof of insurance and rates factored in. This is insane. I have been a homeowner for over 8 years and have never had this type of issue. Its poor business. Why would the mortgage not transfer with all the correct information? What options do i have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-09-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2020, I SENT 2 LETTERS TO MIDLAND FUNDING LLC CONCERNING SOME ALLEGED DEBTS OF : {$820.00} AND {$470.00} THAT I DO NOT OWE.THEY HAVEN'T RESPONDED TO MY COMPLAINT AS OF YET AND I HAVE ATTACHED COPIES OF THE LETTERS SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: CL Holdings LLC
State: AL
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 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Capital One Credit card today and attempted to re open a dispute against XXXX XXXX XXXX XXXX for {$500.00}. I submitted additional information requested however it was rejected.The representative told me that Master Card would not accept the documents submitted. I submitted a second opinion, detailed explanation of why the charges was fraudulent and quoted North Carolina regulations. If the merchant committed fraud either by misrepresentation or illegal deception as in this case I should not be bound to pay. Master Card has not provided a detailed explanation why it refused my documentation.I would also like Master Card to provide the regulation it based it decision and provided the person name who made the decision and department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit reporting act Account the following credit reporting agency named Experian has violated my rights. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy deleting inaccurate information My current and only address is : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX I will attach proof of address and also my ID. 

these addresses are inaccurate and incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-07-20
Company: Experian Information Solutions Inc.
State: LA
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:
To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.

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 2019-09-06
Company: EQUIFAX, INC.
State: NC
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 filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-07-20
Company: IQOR US INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I did not receive a summons to appear in court to challenge or defend my self from XXXX XXXX XXXX and Allied Interstate LLC. As I understand, these entities needed to file a case and receive a court order to garnish my wages and that I am supposed to receive a summons to challenge or defend myself in court. The wage garnishment is not lawful because XXXX XXXX XXXX and Allied Interstate LLC. did not provide prior notice.These garnishments are causing financial hardship and may cause me to lose my apartment.

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 2017-10-19
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify! 
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX. 
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out? 
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire. 
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council. 

Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work! 

XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent. 

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2017-06-29
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX.
4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from 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 2021-03-24
Company: AMALGAMATED TOKEN SERVICES, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or missing disclosures

Complaint:
complain coinlist because Yesterday morning at XXXX I turned XXXX usdc mi usdye in the coinlist. My money has been withdrawn from Usdc parity but I haven't had money in the USDC department in the past 1.5 days. I have no money in the us department. I'm e-mailing no response. You have no right to suffer like this, i haven't had a response in days, i sent an e-mail, twett, and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX AND  XX/XX/2018 - 30 DAYS LATE ... .. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! 

I would like to receive monthly statements or the payment coupons they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail stating that a Personal Checking account with XXXX  Debit Card access was opened in my name with TD Bank. The account number isXXXX. The customer reference number is : XXXX # # #. I have contacted TD Bank and closed the account. There is no beginning or ending balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: UT
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:
I am filing this complaint for because Experian has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. Experian confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

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 2023-02-14
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am receiving calls from Navient continuously throughout the day. The calls started on XX/XX/2023, and still receiving them. However, when I log on to the site, this is the message : Important : Your U.S. Department of Education ( ED ) owned loans are now being serviced at XXXX 
They ( Navient ) have also reported to the credit bureau that my loans are 90 days late. Please explain this to me, as I believe there has not been a ruling on repayment as of yet. I appreciate the time and effort you are putting into this matter for me. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: NV
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 have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

Experian and XXXX need to delete this information immediately.

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