BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX issues. First is I had a debt paid off with ACS over a year ago, last month I got a letter from them stating that they overcharged me XXXX dollars XX/XX/2013 and are now refunding the money. In addition the letter they sent which I will attach, is incomprehensible and makes no sense at all stating some people received more or less money than I did so they are refunding my money. 
The second issue is that account has been closed for over a year and last week I got an email from the company with an access code to access the account, which I did not sign into or try to access, I then logged in myself and it says that the account had just been accessed so it appears they have been hacked, my wife then had a similar email and her loan was paid off a year or two before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: FC HoldCo LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have an auto loan with XXXX XXXX. I was financially strained by COVID 19 and utilized the forbearance option with Flagship. Although I was in forbearance, they still reported my XXXX payment as late. This caused my score to drop 48 points. I have spent the last 2 months trying to have someone reverse the derogatory remark from XX/XX/2020 but it has been to no avail. They have done nothing but give me the run-around. Today I tried once more, reminding them of the Cares Act and how it is illegal to report delinquency when the loan was in forbearance. However, they continued to give me the run around, repeating the same message, to go back to the credit bureaus and request that they remove it. I have spent countless hours on hold with this company, being passed from agent to agent with zero success. A friend suggested I reach out to the CFPB to handle it once and for all.

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 2016-09-14
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They left me a message stating they were attempting to collect a debt. ( I do not have any outstanding or late debt, I monitor my credit report monthly ) When I called back they asked me if I used to go by the name XXXX XXXX XXXX ( my maiden name ) and then asked me to supply my dob. I did not. When I asked them what supposed debt they were calling about, they said they needed to verify my information XXXX. When I asked what kind of company this was, they said vaguely " financial services '' I asked them to clarify repeatedly and she would not. I then asked what else was needed to verify my identity in addition to a birth date ( I did not give them that much ) and she said the last XXXX of my social. I told them, '' Absolutely not '' and hung up. This company has more online compalints than I could have imagined and would not give me any information without asking for my personal info first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX  ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me XXXX XXXX : Pursuant to 15 USC 1692C. ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Kohl 's is using a text message platform to message me before the hours of XXXX and XXXX. Text messages have been received in the XXXX hour on the following dates : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lakeview Loan Servicing , LLC ( Lakeview Loan ) has reported a security incident involving unauthorized access to Lakeview Loans file servers, which was identified in early XX/XX/XXXX. 
The companys investigation determined that an unauthorized person obtained access to files on Lakeview Loans file storage servers from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, Lakeview Loan began mailing notification letters to individuals whose information may have been involved in the data breach. 

The accessed files, according to Lakeview Loan, were reviewed by its investigation team to identify the content. The investigative review process, according to the company, generated a preliminary list of individuals whose name, address, loan number, and Social Security number were included in the files. 

I receive a notice and was only offered one year of a free identity monitoring service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-07-29
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received statement of credit denial ( see attached Valley National Bank Credit Denial ) regarding refinance of home loan with Valley National Bank for primary residence. 
Complaint is regarding Valley National Bank is not refunding {$490.00} origination fee. 
According to Valley National Bank Disclosures and Authorization document, under section REFUND OF ORIGINATION CHARGE AND OTHER FEE ( see ( XXXX ) in attached Disclosures_And_Authorization document ) Origination Charge ( The amount collected ) is not refundable, except under the followingcircumstances : ( XXXX ) your application is denied and our decision is based on reasons other than valid underwritingconsiderations which we knew, or should have known, from the facts contained in your application ; My refinance loan was denied because of pending HOA litigation which was the fact contained in my application ( see attached CONDO ADDENDUM, provided with myloan refinance application. Look for " is the project the subject ... '' ). 

For that reason Valley National Bank has to refund {$490.00} origination fee. 

I spoke to XXXX, XXXX XXXX, and XXXX XXXX and they all said we ca n't sell/re sell your mortgage in secondary market due to pending HOA litigation and we ca n't approve refinance home loan. 
I did not get any answer from customer service or XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for an American Express XXXX card but my application was declined because American Express cancelled your previous account ( s ). 

The cancellation did occur, but it was so long ago that it has fallen off my credit reporting and is no longer meaningfully relevant to my credit history. I called Amex to clarify when I might be eligible to be approved for another account. The representative was not able to provide this information. I asked how long this blacklist lasted. The representative could not respond. 

Im not providing information to me, American Express is not being clear and transparent with its credit approval policies and is not giving me the opportunity to redress past concerns which might be adversely affecting my credit availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: BlueChip Financial
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter from XXXX, XXXX XXXX XXXX XXXX. stating they entered a judgement against me for a Target account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe Target anymore and if I did, shouldnt I have been made aware of someone trying to sue me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: OH
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called Transunion and they refer me to this website to file my complain, Name : XXXX XXXX  XXXX  Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX  XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXXXXXX XXXX date : XX/XX/2022, Name : XXXX  date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from myannualcreditreport.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: The Outsource Group, Inc
State: NC
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 spoke with a lady a few moments ago at Medicredit Inc XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. I called to get the collection/chargeoff removed from my XXXX XXXX credit report XXXX I paid the account in full and have the receipt. The lady told me that the can't remove the collection/chargeoff from my credit because they can't release it. I am trying to buy a home and although the account shows XXXX balance, the lender says because it still shows as a collection/chargeoff it affects my financing status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$1600.00} Jefferson Capital Representatives has already told me the name and D.O.B do not match, I do not have ant written agreements or contracts with them. XX/XX/2020 I have spoken to rep. This negative remark is causing damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of the West is sending offers to consumers and honoring them. After opening two accounts with XXXX they are refusing to honor their offer. I first contacted them by phone on XX/XX/2022 and was told by customer support they couldn't help me and I should visit a branch. After visiting a branch the same day I got the same answer. At that point I opened a XXXX complaint. After two months of Bank of the West has yet to contact me even after sending them multiple messages via XXXX and visit a branch for a second time. They keep saying the same lies over and over again.

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 2015-07-07
Company: ECMC GROUP, INC.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both

Company response to consumer: Closed with explanation