BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: NC
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 been disputing this account for almost 5 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number : XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFIT SERVICES GROU Last reported XX/XX/XXXX {$74.00} Reported balance Original balance {$74.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Consumer disputes - reinvestigation in progress Original creditor name XXXX XXXX XXXX CONTACT INFO PROFIT SERVICES GROU XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX This bill was paid in full by my insurance company on XX/XX/XXXX, yet they sent it to collections on XX/XX/XXXX. I have reported this to to the credit bureaus and thy remove it and then the next month the collection agency puts it right back on, this has been going on forever. I have called the original creditor and thy say it is paid in full, and admit they made an error reporting it and will stop the credit bureau from putting on my credit report. I have called the collection agency and the lady who was a supervisor was uncorropative and hung up on me. This has caused me harm, I have been denied credit because of this and my credit score has suffered greatly. I have had to pay a higher interest on loans also. I just don't know what to do anymore to get them to stop calling me, and also to take this off my credit report. I never owed this debt, it was paid in full before they reported it to the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second complaint and while I 'm usually not  one to co mplain this is getting a bit old waiting on  5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the COVID-19 the federal government sent provisions to mortgage companies to help customers who can not afford their mortgages. My mortgage company is asking me to pay over XXXX dollars in three months that is setting me up for failure. I believe the payment supposed to be deferred and they are refusing send the payments at the end the mortgage term. Company name is XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This a continuation of CFPB complaint # XXXX since I did NOT receive any follow up to the original complaint above. 

I AM STILL BE HARASSED BY CAPITALONE. They are still sending me invoices for payments to be made although my account with them is paid in full! 

After not being able to access the online Walmart system I used the previous month I was very concerned and called Walmart/CapitalOne until I got to a manger who was American so I could be assured he understood what I was asking for. 

Since Walmart had transitioned from XXXX XXXX  to Capital One I wanted to verify my balance was accurate. I had returned several items to Walmart and was expecting a refund. 
The manager said he would sent me statements. When the statements finally came I verified the balance with the exception of a {$27.00} charge. Rather than dispute it and go through further hassles with Capital One I just paid it. 

The transition was a FIASCO! It should have been seamless to the Walmart customer who should have been allowed to used the same Walmart interface to make payments. The Walmart funding source change should have been behind the scenes to the customer with just a note of the new bank not a complete reinvent. 

CAPITAL ONE IS THE WORSE FINANCIAL INSTITUTION I HAVE EVER DEALT WITH They have farmed out their credit card division out cross the Globe which maybe the cause of the cyber attack on CapitalOne. I DO NOT want my personal and financial information to be handled in that way, leaving me vulnerable to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed this information numerous times beginning in   XXXX  . Experian informed me that unless I provide them with additional relevant information they wo n't re investigate my dispute. I asked them for the method of verification but NEVER got it. All I got was a letter stating they wo n't reinvestigate unless I gave them more relevant information which is a violation of the 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 2019-12-21
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made payments online with Domerville Mortgage over the course of years .They took that option away from me saying that I filed bankruptcy and didnt file a a form stating that I would still make and be accountable for my mortgage was is false ..This document was filed and signed .The document was also forwarded to the by Maryland Housing Development whom the loan was generated through..Dovenmuehle Morttagage has yet to set the account so I can make online payments.When I call to make payments Im left on hold forever without response..This has been going on for 6 months now..Its as if they want me not to make payments..Ive talk to several individuals who couldnt explain why I didnt have access before being on a 3 way call with myself .Maryland .Department of Community Development and Docenmuehle Mortgage ... and till Date I am still dealing with this issue and it has yet to be resolved ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I originally rented furniture from XXXX rent to own in XXXX. I became very XXXX and lost my home shortly after. The company came and picked up the furniture in XXXX XXXX. They turned it into collections in XXXX I have communicated with two prior companies that tried to collect this debt that I do not owe as they have the furniture and I was only behind 2 payments of 50 when they came for it. I was sued in XXXX by National Account Recovery Systems of Omaha by sending a letter to a house I have not lived in since XXXX. It was signed for by a woman I do not know. They sent a garnishment letter to the same address and again was signed by a woman I do not know. Needless to say I did not find out that yet again someone was attempting to collect on this debt that is not owed!! Not until they began taking money out of my paycheck which I had to go to court to find out who it even was to begin with. I talked to the court about not being notified and the 30 days had expired. Due to them taking so much out of my check without telling me has made me lose both my car and my home after I had just finally been able to get those things back. Ive emailed and called this company and tried to make arrangements without them taking the majority of my checks. This is NOT even a debt I owe and the original {$1600.00} rental agreement is now over {$3600.00}??? Because of their interest and lawyer fees? I cant make the payments I was making to any of my other creditors due to this and like I said lost a car and my home due to thier neglicience in notification. I had the same mailing address for 4 years and every other creditor was able to find me except them. They chose instead to notify a. Stranger that lives in a house I have not live in for 6 years! In nebraska you only have 30 days to vacate a judgement or ask court to. How does that work when I never knew of thier company or that they were collecting a debt that had already been disputed various times which I was able to prove I didnt owe to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: GA
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 repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: BB&T CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-11-20
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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Sent certified letter on XX/XX/XXXX to credit bureau to remove fradulent inquiries from credit report but they were not removed. 
XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.

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 2021-12-15
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX, and Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. tel:13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. tel:13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

YOU HAVE 30 days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the ( accounts ) in 15 days I will take legal action.

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 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am living in  XXXX  working and working in  XXXX , and have been accepted to  XXXX  's  XXXX  business s chool ( to start in  XX/XX/XXXX r ). I h ave applied for a loan and have received a loan offer, but  XXXX   XXXX  requires an Experian credit report. I have tried repeatedly to access my report, but each time I get locked out and get an error message. I 've spent nea rly three h ours on the phone over the last couple of weeks with the customer service and disputes departments, but I 've not been able to resolve my issue. I 'm not sure whether it 's because I 'm abroad or something else that happened when I tried to access my report ( the internet is n't always the most reliable ), but I really need this credit report so I can pay for my education.

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 2022-08-04
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first contacted by this company via email roughly six months ago regarding a debt they said that I owed to XXXX XXXX XXXX XXXX. I responded back that I am not aware of this debt and to show they are the holder of any Promissory Note or Contract signed by me. I received a letter dated XX/XX/2022 and I responded back to the letter via certified mail with return receipt. I received an email today with an attachment of the so-called final bill but that is not any Agreement I signed or a signed Promissory Note. I continue to dispute this debt and the validity of the debt ; I also dispute who the original Creditor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony bank does not post payments in real time. It takes several days or even several billing cycles for a payment to reflect on my account. Neither the app or the website update my account in a timely manner. This makes it difficult to allocate payments to different promotional balances, which requires a phone call each and every time a payment is made.

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 2017-04-24
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.

Company response to consumer: Closed with explanation