BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Target card in the mail that I never applied for. Credit limit {$500.00}. The gentleman that I spoke to in regards to the fraudulent account did say that there had been multiple transactions made with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
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:
There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage for our home was serviced by Loancare , LLC for the past year or two. Earlier this year we refinanced and our mortgage was moved to a new company. We have not received a refund check for our escrow balance from Loancare and have been unable to contact them despite repeated attempts over more than a month. 

Here 's a brief timeline : XXXX our last mortgage payment to Loancare XXXX the mortgage with Loan care is closed ( paid in full XX/XX/XXXX ) XXXX Loancare website notes 'EscrowRefundToBorrower ' ( no check or payment has been received by us ) XXXX - Throughout XXXX I attempt to contact Loancare via the phone # s listed on their website and through the ticket system on the website unsuccessfully XX/XX/XXXX - Automated response from website ticket system directing me to new phone number ( same as previous leads to phone tree that eventually disconnects the call ) XX/XX/XXXX - XX/XX/XXXX - I have made repeated efforts to contact Loancare via the email, website, and phone numbers. I have been unable to speak or correspond with a single person

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 2017-08-25
Company: EQUIFAX, INC.
State: KY
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:
On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. But I 've circled an inaccurate inconsistency that shows a different address than the address on the tradeline. 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 %  verifiable information can be reported. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Equifax thumbs its nose at federal laws! 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).

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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete the hard inquiries Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Pennymac that has PMI that I am trying to remove. The estimated time to completion was 15-20 business days according to their customer service. It has been 26 business days and counting. This is not acceptable to be almost double the estimate with no end in sight. Their delay is costing me money and they are in no hurry to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Klarna AB
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My debit card had to be changed. I updated it in the system but they have sent my account to a debt collector!! for XXXX XXXX dollars. When the payment failed I logged in and updated my account so when the next attempt came, they could take their money. Well they did not and now I have debt collectors emailing me for Klarna 's money and Klarna emailing me to spend MORE money through them! 
Which is completely counter productive to the whole purpose of having this type of installment service. 
In addition to that. I signed up for phone notifications. The phone notifications for payment stopped once the last payment wasn't received. 
Aren't I supposed to be informed of my being sent to a debt collector? I was not. 
Then I call customer service and like every other customer service, they pick up and stay on the line until you hang up. I am on hold now. for 11 Minutes so far. It is XX/XX/2022 it is XXXX. 
So the customer service is not being provided as it should be. I would pay on the phone with them but I am not paying no debt collector and I am not downloading the app. All it does is harass you to use their service. So you can be harassed by their mistakes. XXXXXXXX XXXX their fake customer service rep hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I contacted the mortgage company and asked what would be necessary to recast my mortgage, having paid approximately 40 % of the principal over the past 12 months. The mortgage company indicated to send an email and ask my question. I also sent the requested email on XX/XX/22. On XX/XX/22 the mortgage company replied via email to send a letter and check for at least {$5000.00} as a principal payment for this to occur. I was to request the recast in the letter. I mailed the letter requesting this and the check on XX/XX/22. On XX/XX/22 I noticed that my check for {$5000.00} had been deposited. I looked online at my mortgage account only to discover this {$5000.00} was erroneously applied to my XXXX mortgage payment. I immediately called the mortgage company, advised of the error, and asked about progress on my recast request. They advised that they did not receive my letter requesting the recast. I told them that this was impossible because the letter was in the same envelope as my {$5000.00} check that they received and incorrectly posted to my account. The mortgage company then stated that they would correct the posting and asked that I email a copy of my letter requesting the recast to an escalation manager, which I did on XX/XX/22. By XX/XX/22, having not received any information regarding the recast that I requested, I emailed the escalation manager again and asked for status. I received no response. On XX/XX/22 I followed up with another email concerning this. Still no response. On the evening of XX/XX/22 I actually called the CEO of the mortgage company on a personal number. My call went to voicemail, where I asked that someone contact me. As of today, XX/XX/22 I still have no response on my request for recast for which I have now paid {$5000.00} to have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: GA
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:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Law Offices of Les Zieve
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) are in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to XXXX on XX/XX/XXXX 1/ Another request for Error Resolution Notice Unger 12 C.F.R.1024.35 email and fax XXXX and Trustee XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) But both of them continue to ignore my request. Today, XX/XX/XXXX I received this note from XXXX with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request XXXX many time. XXXX clearly does n't care about customer service or customer satisfaction. Nobody trust this company. 
Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. Attachments : 1/ Request for Reinstatement__XX/XX/XXXX 2/ Error Resolution Notice Plus__XX/XX/XXXX 2/Useless letter from XXXX__XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Bonded Business Services, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Original creditor was an apartment complex named the XXXX XXXX XXXX XXXX, located in XXXX XXXX. The debt was then passed along to Bonded Services without any written notification that I owed them. The debt was then placed on my credit report stating that I owed over {$1900.00}. During the 30 day waiting period to receive my deposit back, I called XXXX XXXX ( manager ) and the receptionist with an updated address and phone number to forward the check. 45 days later, the check nor any type of letter or phone call was sent to the address. After disputing with the new creditor about these questionable practices, they only sent me a copy of the lease contract that I signed upon moving in. There was no letter stating that they had mailed a debt collection letter, attempted a phone call or email of any sort. I am attaching the letter that I sent them on XX/XX/2017 along with additional proof asking them to remove this debt from my credit reports. To date, its still on my credit report. I 'm not looking for sympathy, but I 'm a XXXX veteran who ca n't work, with XXXX defendants and they are preventing me from purchasing a home here in XXXX, TX. While browsing the internet for apt reviews, I noticed a trend with this place. Soldiers who reside at this apartment complex are most commonly denied their money back and charged excessively for notional damages. I lived in this apartment alone for 12 months with no kids and no pets. How does one accumulate {$1900.00} in damages in 12 months? Maybe the Quality of carpet needs to change or someone needs to conduct some sort of property inspection. I 've seen the maintenance guys load a garage with old carpet on numerous occasions. I was even told that they are known to replace a tenants carpet with older carpet to justify the charges. Soldiers are an easy target because once we leave, most likely we will never come back ( military orders ) and could possibly end up overseas or combat. Not only would I like assistance on this matter, but I would like to see this business ' procedure for placing debt on credit reports. Im XXXX  and have all day to write dispute letters. What about the guys who cant or do n't have access to the internet? Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: A & O Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am reporting all this because they have stolen my identity, they have taken up an apartment under my name There are accounts in collections that are not mine

Company response to consumer: Untimely response
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MS
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill of {$1000.00} with XXXX XXXX XXXX that was getting auto-paid based on a payment plan of {$91.00} per month for 12 months from my XXXX Account. The plan was set from XX/XX/XXXX to XX/XX/XXXX. I don't check my XXXX Account regularly to see if the payment went through because there is enough money in the account and assuming that if there was any issue then XXXX would contact me. 
In XX/XX/XXXX, I received a letter from Merchants Credit Association ( MCA ) asking me to pay the remaining principal of {$530.00} + collection cost of {$77.00}. I contacted XXXX right away, they claimed that they tried to collect a payment from my XXXX on XX/XX/XXXX but it failed. I asked them if there is a proof that they tried so that I can contact XXXX and ask why, they said there is no proof. I asked why they didn't contact me before sending the bill to a collection agency, they said they tried but couldn't get hold of me, but again there is no proof that they tried and my phone number and address never changed. I contacted XXXX and they said there is no evidence that a payment was rejected. I went back to XXXX and asked if I can pay the principle amount in total, they refused and told me the case is not with them anymore, it is with MCA and I need to sort it out with them. I called MCA numerous times and explained to them but they seem to be always focused on collecting their collection money. MCA also claimed that they reached out to XXXX and asked them to take the case back but XXXX refused. I have been receiving multiple letters from MCA demanding that I pay the principle + collection cost. Today on XX/XX/XXXX, I called MCA one last time and asked them if they can waive the collection cost, make it less, send the case back to XXXX but the agent told me am just wasting time to save {$77.00} and advised that I should pay the entire amount to MCA or make multiple payments BUT pay interest. I gave up on all and paid the entire amount ( {$450.00} principal + {$77.00} collection cost ). I am writing to you because I feel that what XXXX did was not fair at 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 2022-09-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Servicing LLC violated my rights 15 USC 1692 c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with a collection of any debt ; 15 USC 1692 b ( 4 ) not communicate by post card ; 15 USC 1692 b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 b ( 5 ) not use any language or symbol on any envelope, or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692 d ( 2 ) Related to harassment or abuse : not use of obscene or profane language against the hearer or reader ; 15 USC 1692 g ( a ) Related to validation of Debt-notices within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless, the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing : ( See ( g ) a-1, a-2, a-3, a-5 ) ; 15 USC 1692 k ( a ) 2 ; ( c ) ( d ) Related to civil liability and debt collector should pay for damages and injuries caused to the consumer ; ** I the affiant invoke my rights as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13 ( d ) 1 : ** I the affiant has sent certified letters with returned signature, as the administrative process requires, to SLS requesting proof and evidence for alleged debt, agreement between parties with binding contract and wet signature, that they did not purchase debt from the origin source, that they are not debt collectors, that they are not a third party agency, that they have authority to contact me and harass me using violence, threats, conspiracy to commit fraud and extortion, etc., I the affiant has proof of all correspondence sent to SLS via certified mail using the postal office as " Postal rule '' ; from Debt Validation on XX/XX/XXXX, Cease and Desist on XX/XX/XXXX, Affidavit of Truth on XX/XX/XXXX, and a final Extension letter on XX/XX/XXXX to provide requested information. But SLS has failed and did not provide any of those ; instead SLS has continued to use my name, address, credit records, DOB and other private information without my consent.

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 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you

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