BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned, I would like to know what is going on with the process and when I will receive my lien release and proper documentation. I spoken with XXXX XXXX one time and when I tried calling back to see if he looked into the matter and could explain things I only get voice mail. I understand paperwork takes time but it has been 40 days and capitol one 's lien release department has not processed anything as of today per XXXX in the customer advocacy center of customer service. I would like someone to look into there process and guidelines regarding lien release. Customers should n't have to wait this long to have there paid off property released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-11-12
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: Account status incorrect

Complaint:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX  XXXX XXXX

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 2022-07-10
Company: EQUIFAX, INC.
State: SC
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  account is being reported although I have advised XXXX this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my Equifax although I have disputed this information several times as a fraudulent account. 

XXXX XXXX numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The that took over servicing my loan is NewRez. NewRez is a subsidiary of Shellpoint Mortgage and does not actually receipt payments directly. Payments mailed to NewRez them take up to 2 weeks to credit and then they add late charges and and send notices out. Customer Service is abysmal to non-existent as a supervisor will not speak to you directly, they must call you back. Due to the issues with their payment processing, despite them having been paid current on XX/XX/XXXX, they received a payment 32 days past the due date. This is two days past the 30 day payment deadline. Even so, they have just placed a late payment report on my credit yesterday. This seems vindictive and retaliatory as I complained about the amount of mail I was receiving a week ago on XXXX XX/XX/XXXX ) and they were paid in full on XX/XX/XXXX, over two weeks prior. 

I received over 4 letters ( one certified ) in the week of the XXXX. I called to verify they had received my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX   X2, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX  ; I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents.

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 2015-09-21
Company: Global Credit & Collection Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Credit And Collection Corp has been calling us daily sometimes XXXX a day for over a month now. When I answer it is a recorded message telling us they want us to call them about debt. We do n't owe any debt in collection? How do I make the calls stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Global Credit & Collection Corporation
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

XXXXTHIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.

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 2020-03-05
Company: GreenSky, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was approached by a Home Depot representative in Home Depot.He offered me a special on AC cleaning for {$19.00}. My AC is 20 years old and I had to give up my AC service because of financial reasons so I accepted. The AC man came to clean the AC unit which I knew was in bad shape, he offered me a deal with NO INTEREST.Know I needed to replace the unit I accepted an appointment from a XXXX XXXX XXXX company who was working in conjunction with Home Depot. The unit was installed and inspected ... On XX/XX/XXXX I recieved a statement from GreenSky financing company who is the company XXXX XXXX had set up the financing with. There was a {$43.00} interest payment. I called XXXX and they said yes it was interest free but that was an " agragate '' payment which would be 1 % of the balance each month. That is more than interest would have been. When the salesmen was here and we were discussing the units, size and cost I made it clear I could not afford more than {$150.00} a month this added " agragate '' makes it almost 200.. I am XXXX on fixed income, my daughter had a XXXX XXXX with no insurance at the same time the economy tanked so I have no resources. This is a scam set up between Home Depot, XXXX  XXXX and Green Sky. I told them to fix the contract or come and get their equipment. I have not heard from any one so far. I would appreciate any help you can give me with this problem

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 2021-11-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I Have Been Contacting XXXX, Equifax And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A XXXX Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently I checked my credit report, and I saw that one medical item on my report. I was surprised how can the collection agency add an item on my credit file without sending me a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Grain Technology, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive started emailing this company on XX/XX/2022 to close my account. Ive sent over 15 emails and none has been responded to. Since then on XX/XX/2022 they have charged my account a yearly fee of XXXX XXXX. I cant even withdraw credit and it says my bank is no longer linked which I find it funny they were still able to receive my money. Every time I try to connect my bank it gives me an error message and say we are working on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Harley Davidson Financial Services Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent numerous requests ( letters/disputes ) to Harley Davidson Financial Services ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they report accurate information. I have also called them directly. 

The last payment ( which paid the balance off in full was received on XX/XX/XXXX. ( {$3600.00} ). 

Currently, on XXXX  and XXXX XXXX, the information is incorrect - XXXX states that the payment status is not more than two payments past due and XXXX. states that it is 30 days Past Due. 

The account should state that it is PAID and Closed and not " Past Due ''. The account was paid XX/XX/XXXX so the XXXX payment should also show that it was paid on time and no late for XX/XX/XXXX. 

XXXX, XXXX  and XXXX XXXX should also indicate that the account was paid off on XX/XX/XXXX and that the account was not LATE in XX/XX/XXXX ( and that point it was current, paid and closed ). Send this update to the credit report agencies within ten business days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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:
They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.

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 2015-12-23
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, XXXX. saying they 're collecting a debt for {$160.00} that was acquired by XXXX XXXX XXXX. The letter also mentioned XXXX XXXX as XXXX. I have n't been in XXXX XXXX for more than 15 years but I called and made sure I did n't have any open accounts with them. I also replied to XXXX XXXX XXXX XXXX XXXX that the debt is unfounded and they replied back that the account has been closed. 

Today I received another debt collection letter from Common Wealth Financial Systems saying they 're collecting a debt for {$150.00} that was acquired by XXXX XXXX XXXX. 

It seems that XXXX XXXX XXXX. is selling bad/unfounded debts to debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted 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
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation