BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but XXXX XXXX has not updated my credit reports nor removed the inaccuracies after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Lil' Wave Financial, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I just want to bring a topic and make sure is legal, I have a loan ( hard money lender ) with superior loan servicing, I called them on friday to see if they had an option offered for people that currently got affected with this pandemic and they answered that my loan is considered a " commercial loan '' and there is noting they can do, and they are not offering any relief. 

I'm wondering if this is legal and if I'm reaching out to the right place Kindly let me know Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Facts : - My credit report shows a 60 day late payment on a student loan that was incorrectly filed as active ( not deferred ), when in fact the actual deferred pay start date is on XX/XX/XXXX. 

- On XX/XX/XXXX. I contacted the university about this issue, and they have informed me of their reporting error and contacted their partner lending agency. 

- From my understanding, the partner lending agency, XXXX XXXX XXXX, was contacted on XX/XX/XXXX of the reporting error. 

- On XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX XXXX, claim to have updated the correct information. 

- I contacted both the University and XXXX XXXX XXXX to inform that that my credit report has not been updated on XX/XX/XXXX ( more than 30 days after my initial contact with them ) - I also filed a dispute with Equifax. 

- On XX/XX/XXXX, I received a letter from Equifax claiming that my dispute was denied and that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. " - I contacted XXXX and they informed me that they have updated my account on XX/XX/XXXX for the second time to the CRA. 

- Both the lending group and the university are currently not offering any solution beyond asking me to wait for the correct information to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I advised ChexSystems that I do not have any knowledge and that I did not authorize the following inquiries on my report.   1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  inquiry  dates- XX/XX/XXXX , XX/XX/XXXX ,    XX/XX/XXXX   ,  XX/XX/XXXX   ,  XX/XX/XXXX     2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  inquiry dates- XX/XX/XXXX ,  XX/XX/XXXX   ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX    Also the number of non derogatory records is incorrect. It shows  XXXX  on my report and I was told by a rep at Chexsystems that it would be corrected to  XXXX  since they have nothing in their systems showing anything derogatory.     Even though I do not owe any monies to Chexsystems, the above information make me appear to companies that I am a high risk regarding my credit worthiness. I have not been provided with any information that may link me to the above inquiries. I would like all of the inquiries removed from my file 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 explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion reports the following accounts as verified and updated. While still inaccurately reports multiple inaccuracies a violation of FCRA rules. 

( XXXX XXXX  ) currently reports inaccurate last date of activity and payment date a violation ( XXXX ) Unverifiable account a violation. 

( XXXX XXXX  XXXX ) knowingly reporting inaccurate account balance. A violation. 

XXXX XXXX  XXXX/ XXXX  XXXX XXXX/ original creditor XXXX XXXX XXXX  XXXX. Reporting account which seems to be unverifiable, and can not be validated. But still reports as verified and updated.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-03-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America account was opened in my name without my permission. I have security alerts with the three reporting agencies. Not sure how someone was able to open account online.

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 2015-06-29
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called capital one customer service on Friday XX/XX/2020 to pay off my balance. I requested for my total balance payoff due and i was told XXXX. It was the same balance from my bill statement. I borrowed money from wellsfargo bank and called customer service to pay it off. I received another statement saying that I owe another XXXX dollars. My hours have been cut at my jobs because of daughter XXXX. Capital one is not willing to help. I believe this is a ripp off to charge customer after balance is paid off. XXXX and XXXX  XXXX XXXX does not charge extra money after balance is paid. I did not get any extra bills from XXXX XXXX XXXX and wellsfargo after making my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, Equifax, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : XXXX, Equifax, and XXXX to remove or delete the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my loan started out with Indy Mac 15 years ago. I missed a payment or two due to a layout. I was turned over to Ocwen and it has been a nightmare. Ocwen lies, misleads, does not document huge pay off, did not call to advise the payment was received. Sent a letter that had nothing to do with me or my money. The phone reps are not knowledgeable.Just a nightmare. I contunue to pay their required amount but Ocwen shows me 90 days late on payments. Ruining my credit, causing all my insurance rates to go up. Ocwen is a bunch of crooks, making money off honest people. I will surely lose my house if I have to continue to deal with Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from Performant Recovery Inc, informing me there were collecting on a delinquent debt for the State of XXXX Department of Revenue. My claim number XXXX. The letter is dated XX/XX/XXXX. 

The letter claims I owe income tax to the state of XXXX in XX/XX/XXXX for the amount of {$1200.00}. I was XXXX XXXX military from XX/XX/XXXX-XX/XX/XXXX. I was stationed in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have ALWAYS CLAIMED XXXX AS MY HOME RESIDENCE in all my tax forms. According to XXXX  's own laws " military personnel whose domicile ( home of record ) is not XXXX  are not required to file a XXXX   income tax return on wages earned from military ''. The military was my only source of income. I never had license or vehicle registered in XXXX  either. 

I have never received any calls, emails, or letters from the XXXX  Department of Revenue, even if i did owe them money they would have to notify me first that they were turning over my " debt '' to a collection agency. 

This all comes to conveniently as the Federal government is set to distribute XXXX dollars to everyone due to the covid-19 pandemic. I owe around XXXX dollars from 4 years ago in a state I never claimed residency in? Obviously a scam. 

Performant contacts XXXX Performant Recovery Inc XXXX. XXXX XXXX XXXX, CA XXXX Tel XXXX The letter threatened to suspended many licenses I have including drivers, hunting, and professional licenses.

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 2022-09-08
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Ocwen Financial Corporation
State: AK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.

Company response to consumer: Closed with explanation