BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked numerous times to get a letter in writing about the account in collections. They state they will not  send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They call 3 to4 times a d ay and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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:
All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need 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 explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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 first contacted Equifax regarding inaccurate information reporting on my credit report from a collection company  XXXX   XXXX   XXXX    XXXX    and  XXXX   XXXX  reporting several accounts that are not mine which was the basis of my dispute in    XXXX   XXXX   XXXX  .  Not only do these accounts not belong to me but the collection agency   XXXX   XXXX   XXXX   XXXX   are not bonded or licensed in the state of  XXXX  to collect debt under the  XXXX   Finance Code . Equifax returned these accounts as " verified ''. I then submitted a certified request in  XXXX  asking for method of verification which I am entitled to. No response from Equifax. In  XXXX  I sent another certified letter requesting that this inaccurate information be removed from my report or that I am sent actual proof that these debt belongs to me. On    XXXX   XXXX   XXXX       XXXX   XXXX  was removed from my report. I was relieved to think I was finally making progress. That was short lived when  two  days later on  XXXX   XXXX , I received an alert from my credit monitoring service that I had a " new collection account added to my report ''. I checked and it was in fact  XXXX   XXXX  being added back to my Equifax credit file. My frustration did not stop there. On or about    XXXX   XXXX   XXXX     , I received an updated report via my credit monitoring service and noticed th at 3 of the 5 ina ccurate accounts from  XXXX   XXXX  were removed from my report. Again, thinking that Equifax was finally doing their job, I was making progress. My score went from poor to fair! 3 days later, I received an alert that new collection accounts were added to my reports. Yes, you guessed it  XXXX   XXXX  was added back to my file causing my score to drop  XXXX  points!!!!! I am furious that not only is Equifax not properly handling my dispute but the improper handling of my dispute has caused more detriment to my score with the removal and then adding these accounts back as if they are " new collections ''. My rights under the FCRA has been violated as well as my rights under the  XXXX   Finance Code . I want all of the accounts being reported by   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  to be removed and STAY GONE from my reports and I would like Equifax to send me an updated copy of my credit report. I understand that Equifax does not control my credit score but the improper reporting of their information drives this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
X/X/2017    i cant get on line with the dispute center of experian when i call them on  XXXX  number, 3 times on  X/X/2017    i was hung up mid way through call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: NV
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:
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX  : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Equifax : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX/Loan Care Servicing  has sent me notice of foreclosure.  I have been paying the Loan Care Servicing through my Credit Union account since XX/XX/2019. My original refinance with XXXX (who declared bankruptcy) was purchased by XXXX XXXX XXXX XXXX. My monthly mortgage payments are up to date, I continue to get calls and letters from Loan Care Servicing everyday.  I have faxed proof of payment to Loan Care servicing x2, talked to several of their loan care representatives many times.  I was assured the problem had been taken care of on XX/XX/2019 when I talked to a supervisor of Loan Care Servicing. They stated that payments had been applied to the principal and that put me owing another payment, this had gone on since XX/XX/XXXX when they took over my loan.
This is a list of my payments and dates of my payments to Loan Care Servicing
XX/XX/2019 $XXXX paid early for XXXX
XX/XX/2019   $XXXX  plus $XXXX additional payment on XX/XX/2019 as I received  notice of increase in monthly payments.
XX/XX/2019   $XXXX as I received notice that I was owing another payment.
XX/XX/2019    $XXXX
XX/XX/2019   $XXXX early payment for XXXX
XX/XX/2019  $XXXX
XX/XX/2019  $XXXX  included a late payment fee.
XX/XX/2019  $XXXX   
I have proof of all these payments from my CreditUnion account.  Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I  XXXX   XXXX  am entitled to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a   XXXX   XXXX   work related accident. My  Union  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for over  18-months, s everal medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit  of a 180-day wr itten notice that after  the 180-day  notice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB   XXXX - XXXX -  XXXX   XXXX   agree ment of  2015 . All  medical collections m ust be removed immediately by all medical debt  collectors , and I must be send a  180-day notice, so my insurance can work on resolving all claims. REMOVE ALL MEDICAL COLLECTIONS A S MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I was XXXX  for 19 years, and XXXX on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. XXXX, transnational, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.

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 2019-12-10
Company: AmeriFirst Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was not notified of the foreclosure. Also, two lots are being taken from me when only one was financed. 

Payments were made to Amerifirst in XXXX, XXXX and XXXX of 2018 but not credited to the account. They would not accept any more payments after this. 

Amerifirst should have known that I had federal debt and shouldn't have given me a federal loan.

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 2020-10-07
Company: M&T BANK CORPORATION
State: MD
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:
My new complaint is that the credit bureaus have refused to fix my credit report. M & T has caused me to not be able to get access to COVID 19 funding or any type of funding because they incorrectly reported to my XXXX payment to my credit because I'm XXXX American. See original complaint below. 




Original complaint XXXX XXXX XXXX M & T Bank Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called M & T bank in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that M & T bank has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX Americans. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with M & T. When I complain M & T responds by retaliating. I am XXXX  and XXXX  of this XXXX  XXXX, what it represents and the XXXX  that it spreads. I've said it before and i'll say it again. This organization is run by XXXX 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 2017-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX  account does not belong to me it belongs to my ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX in XXXX. I tried calling them and credit bureaus with no success. XXXX, XXXX, equifax, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Global Lending Services LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The vehicle is currently in charge off status and was purchased in 2020. They have been attempting to repossess this vehicle for approximately two years. I have a total of approximately 23 call recordings that show aggressive, harassing, abusive debt collection practices from Global Lending Services. In some cases they failed to mini marandize me, in other cases they were also exhibited racially abusive language calling me " Mr. [ First Name ] '' as opposed to " Mr. [ Last Name ]. '' The loan contract itself was completely unreasonable nearly doubling the retail sales price from approximately XXXX ( rounding up ) to XXXX after the vehicle is finally paid off. The overall car payment was an exorbitant {$500.00} per month and mixing in job loss due to discrimination caused the contract to nose dive. 

They filed on my credit bureau a charge off, however are still attempting to repossess from a destitute, borderline homeless man living out of a motel in a remote area of Ohio. I am requesting that they stop all repossession activities, the vehicle should have been seized about a year or more ago. 

Each time I would speak with them, I felt fear and every time the call ended, I would notice my psychological health deteriorate. High levels of shaming and aggression due to a financial problem that was entirely not my fault. 

XXXX  is very cruel, selfish, insensitive company with no empathy or compassion for what people go through during difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX   the amount of {$560.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX A by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX A I decided to contact again XXXX XXXX A by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation