BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: GMFS, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the circumstances that are fairly attributed to the actions of GMFS in a XX/XX/2018 Pre-Foreclosure Sale, we were legally entitled to {$81000.00} in insurance proceeds according to FHA Handbook guidelines. Furthermore, GMFS was left ineligible for mortgage insurance claims with the FHA to mitigate their losses on a damaged house. Therefore, we believe GMFS engaged in fraudulent means to circumvent compliance with FHA/HUD policies and accurate reporting to credit bureaus in order to recoup their losses with disaster related insurance funds by not releasing those fund to us. If GMFS was justly entitled to those funds due to our fault in the matter, there would be no need to avoid the transparency of due process through legal action against us to recoup the funds after releasing the funds to us to be in compliance with FHA/HUD policies, and even avoid committing disaster related fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit change alert on my credit file. I called XXXX and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX XXXX XXXX. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and XXXX XXXX XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently. I want to ensure that XXXX XXXX XXXX is not reporting falsely/inaccurate to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX - failed to release the mortgage Lien showing on Title Search being held up in making settlement I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that XXXX XXXX was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Since XXXX XXXX XXXX XXXX is not in the business of supply mortgages, XXXX XXXX should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute regarding a charged off account that is still show a balance when the balance is XXXX. They stated that the account is verified but they never send me how they got the account validated. Also I have inquires that are not authorized nor I received any credit from them. they are refusing to delete those inquiries. Charged off account have balance. NO CONTRACT the information is innacurate and I have notified them many times by phone an by letter.

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 2017-04-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I reviewed my credit reports and have noticed that Equifax is reporting a balance for XXXX of {$8500.00} but XXXX is reporting a balance of {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XXXX. We are trying to get Equifax to remove it from my credit report as it was paid off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is reporting outdated information and I am within my rights to request the removal of the outdated creditors. I am asking for the deletion of the following outdated creditors : Names : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: DISCOVER BANK
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a personal loan with Discover. I had major problems when I first took it out with the posting of their payments, After MANY phone calls it was resolved and they credited my account {$50.00} for all my problems. It has begun again I agreed to monthly payments of {$180.00}. My statement cut off date is the XX/XX/XXXX of the month and I usually make my payment around the XX/XX/XXXX. My XX/XX/XXXX shows late charges of {$78.00} with {$39.00} reversed. However, online it does show they were both reversed. The XX/XX/XXXX statement shows my payment amount due {$180.00}. I called to find out why the late charges were on my account and why the payment amount changed. The person I spoke to on XX/XX/XXXX said she would research it and call me back the following Monday between XXXX-XXXX EST. I never received that phone call. I made my payment of {$180.00} because I did n't want then to say I did n't make my full payment amount. Today I received my XX/XX/XXXX statement and the other {$39.00} late charge does not show reversed and it show I am PAST DUE ..XXXX when I actually paid .XXXX extra! So once again I called, put on hold for them to research, was on hold for 20 minutes and disconnected. I called back, again put me on hold, came back and told me that it shows online the late charge was reversed and it 's more accurate than their statements. All the time laughing about it. What if I did n't have online access?? Is n't a statement suppose to be accurate. I ca n't tell by the statement if the {$39.00} is still in my balance. She could n't explain why it showed .XXXX late and laughed about it being wrong. All I want to know is why my statements are not reflective of my true payments and agreement I signed and no one can seem to give this to me. I took out this loan XX/XX/XXXX and my statement half been incorrect at least 6 months. I wanted to report to the BBB but I could n't even find them there. Unfortunately I do n't have a source to attach the history but discover should be able to look it up since according to them their online system is more accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting this complaint about experian credit reporting agency. I have been disputing wrong information on my credit report for months now. I am unable to dispute information online. Experian claims they have 24 hour access to your online report. After answering all the security questions and disputing the information that is reporting incorrectly I receive a response that experian is unable to honor my request and please try another time. Experian is reporting a syncb/qvc account on my report that was paid in full over 2 years ago. I do not know how they are doing a full investigation as this account was removed off my report from another credit reporting agency. I feel they are not doing a thourough investigation and not even disputing the information for me. I was told last month after I was on hold with experian for quiet a long time that they can not dispute this item again for me because it has been disputed numerous times. That 's just not right. This account is no longer in business. I contacted consumer affairs and the better business bearou in regards to this issue as well as having this information reporting incorrectly on my credit report is affecting my credit score. Experian refuses to help and I have XXXX items on my report that are completely wrong and should be deleted. The other one is XXXX in the amount of {$4800.00} this also was an auto lease that was paid in full when I turned in the automobile and re-leased a new one. That bill was paid in full and I do not owe anything. I 've disputed this also with experian once before as the first time it was reporting that my monthly payments are {$4800.00} ( that 's completely wrong ) now it is reporting as a {$4800.00} balance which again is wrong. I am very aggravated that I am unable to access my credit report online and dispute this information and when I call they wo n't dispute it for me. This is affecting my credit score in a negative way.

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 2019-12-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, AD ASTRA reported to all three credit bureau that I made a payment to my account for XXXX dollar. I have never made any payment nor contacted this creditor to set up any payment arrangements, and I believe the only reason they are reporting a dollar payment is because it has been on my credit report for 6 years, in XX/XX/XXXX that would make the debt 7 years old which typical falls off. This company falsely reported inaccurate information, and I am requesting that they delete it from all three credit reports. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have no idea what the Calvery port is. Is {$3900.00} that has ruin my record and because if it I lost my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have been dealing with this issue since XXXX. Capital One was made aware that someone accessed my account fraudulently and I no longer had access. I have went back and forth for three months now with Capital One employees telling me one thing and then the next employee telling me something else. I receive none of MY PERSONAL information, yet I have someone else 's personal information which Capital One is aware of and still has done nothing about. Never attempted to help me with my account just stated my account is being handled by fraud. Well, the Fraud department is doing absolutely nothing to assist or help me. My account is being reported negatively and inaccurately when I have no access and have not had access since XXXX and I just keep being told the account is being handled by fraud. Every time I call I keep getting the same response which is fraud is handling it or the only issue is you cant log in. NO that is NOT the only issue. I have repeatedly informed Capital One of my issues. Still to this day, no access, no statements, nothing of my own, yet I am STILL receiving someone else 's personal information, statement, balance, etc. and Capital One does nothing. I made a payment today, XX/XX/2019 after calling in again for the second time this week and being instructed on XX/XX/2019, by the supervisor I spoke with to call back on XX/XX/2019 and check the status of the account as their should be a resolution by then. The supervisor also informed me when I inquired about a payment that once the status of the account is updated, they can then take a payment. Fast forward to today, XX/XX/2019, I called in again to check the status and was transferred 5 times only to get a representative who stated she is only showing that I am unable to access my account. NO, I no longer have access to MY personal information and when attempting to regain access, none of the retrieval methods work, even when Capital One attempted to gain access on XX/XX/2019. The representative stated she can send an email for someone to call me, which they have done so many times now, and I never receive a call back. She also stated that to avoid further fees and negative reporting, I should make a payment, which I di and had no problem doing so. But here 's the thing, AFTER doing so, I was told it may not apply to my account??? WHAT?! My account is locked so they are unsure where it will post as they can't issue me a new account number due to the account status. So of course the account status is still out there in cyber space somewhere and I still have no access to my account whatsoever, but I do have access to someone else 's account. That sounds like a breach in Capital One 's system to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.

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 2017-04-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX 2017, I mailed a formal complaint requesting verification or deletion. Some time after the 30 dyas I received a letter without the verification. Per the court, no information is supplied to credit 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
Consumer complaint received 2023-03-14
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX Opened new checking account with promo code XXXX which advertised a {$400.00} bonus after qualifying activities. 

XX/XX/XXXX, Deposited {$1500.00} into account XX/XX/XXXX Phoned US BANK, talked with XXXX, who confirmed all qualifying activities had been completed, and bonus should be arriving. 

XX/XX/XXXX Phoned US BANK to follow up as no bonus yet, talked with XXXX who again confirmed all qualifying activities had been completed and that I would be contacted in one to two business days. 

XX/XX/XXXX No contact from US BANK, no choice except to formally file a complaint.

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 2017-04-16
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card
Issue: Credit determination

Complaint:
Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively. 

Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me. 

Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.

Company response to consumer: Closed with explanation