BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681. 
You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : XXXX XXXX Status : Charge Off Balance : {$1600.00XXXX XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Charge Off Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Charge Off Balance : {$0.00} {$540.00} XXXX XXXX XXXX Status : Charge Off Balance : {$0.00} XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00} According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.

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 2017-03-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, my identity was stolen when someone broke into my car and stole my wallet around XXXX of 2016. Since then new accounts have been opened, not paid and placed in collections. I did place a fraud alert on my credit during that time which was only good for 90 days. I have reported and disputed this to the company and have not heard back. When I tried to pull my credit report, their were questions that were never related to me and I am worried. Please get back to me soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is a regards to pennymac. I just want to make sure everything is being complied the right way. On Friday XX/XX/XXXX phone call was made to penny Mac. Advising them that I was approved for the homeowner assistance fund HAF. I only contacted them, knowing a lot of complaints I heard with people who does have the penny Mac mortgage and who was approved for the fun what trouble they was experiencing. So I just wanted all the information to be noted in the account. So once I got myself verified I had my husband speak on my behalf. The representative gave my husband a hard time period stating that they don't believe that I got approve for this fund. Discouraging my husband and me, that they said the state don't depend on the state by sending any funds over. Is that they not reliable. That we still must continue making our payments regardless. The rep No compassional empathy on the situation. Acting like I wasn't gon na get this fund. That is a long process and I might not get approved for this fund. It was explained to her from the start, that we already got the award letter and got approved. That they was paying past and future payments. I just wanted her to put in a notes, when they get the XXXX  the money from the fund That it gets applied to the payments and not the Principal. The rep said that can not be done. It was told that if it goes to the principal we have to see if it gets approved to move its to payments. That I found was ridiculous. If this post was pay all the payments back and post the pay my future payments for the next 6 months why can't it be apply to my payments. I only filed this complaint due to what the representative has stated. It made it seem like they are not gon na comply and put the money towards the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, BSI assumed my mortgage loan. The payment due was {$1700.00} for XX/XX/XXXX. I continued my previously scheduled payment of {$3000.00} dollars, which BSI applied the overage to XXXX 's payment and charged interest. I contacted BSI via telephone and asked that they deduct all overages from the principal balance for the life of my loan. The overage was reversed. XX/XX/XXXX, an escrow refund in the amount of {$5100.00} was removed from my escrow account. I received that refund a month later after inquiring about the money being removed from my account. In XX/XX/XXXX, BSI once again elected to divert a payment without explanation. I contacted them via telephone again and requested that any and all overages are to be applied to the principal balance. This practice that financially benefits BSI is unethical and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has ignored my complaints that no merchandise was delivered to my home and I did not authorize this order from the company. They are still harassing me to pay them money. I have sent multiple affidavits to the company to dispute this. This has been doing on since XXXX of XXXX when I learned that the order was placed and was on a back order. If the company was concerned about helping me, they would have canceled the order and not wait for months to pass and then bill me in XXXX of XXXX. They are still wrongfully trying to collect funds from me and have linked the account balance to my credit file. This is ridiculous and I hope that this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Resurgent Capital Services L.P.
State: TX
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:
This is not a duplicate complaint CFPB! I replied to lvnv/resurgent via email regarding an account they said I owed. In my email response I asked the company to send me verification of the said debt and I never received anything from them. I had a cfpb case regarding this issue in which the company responded stating the account had been sent back to the original creditor. I called lvnv/resurgent on the same day that I received their response to my cfpb report and a rep stated that the account would be deleted from my consumer reports however that has not happened to this day. Obviously the company was not able to verify the said debt so why has it not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Issue 1 : I applied for Mortgage loan with Quicken Loan and they did my credit check and issued pre-approval and then we agreed for XXXX XXXX ARM loan@3.375 % for loan amount XXXX with estimated cash to close XXXX. I wrote an additional email to my mortgage consultant to get confirmation that estimated cash to close it correct and and if changes will be XXXX XXXX dollars and not significant. I got the rates locked signed documents for the above quote and have copy of the same with rate locked. On XXXX XXXX they uploaded another quote showing estimated closing cost almost XXXX which was a big shock. I was frustrated called mortgage consultant he said he will get it fixed but days went by nothing got fixed and I was concerned more, I kept calling and escalated till Director but no one helped they say that it was a mathmatical mistake and we cant do that.my decision is based on the quote which was locked on XXXX XXXX and I planned for only XXXX XXXX as closing and dont have additional to pay. I have talked to them but they are not helping at all and not honoring the quote we locked. 

Issue 2 : They mailed all my document containing my credit report, SSN, Date of birth, all my bank acocunts and credit card details to the New Property Address which has closing date XXXX XXXX instead of sending to my current address. They envelope went through many hands and when I finally I got it it was tampered and already open so all my confidential and credit information already got leaked. This is totally ridiculout and was also reported to Quicken Loan. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: PREFERRED CREDIT INC
State: UT
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 never signed any paperwork, anything on a devise or verbally agree with anything. I do not have the product that was supposedly sold to me. All my information was filled out by an agent with some company and I did not acknowledge the loan she was creating in my name. I have attempted to reach out and cancel it through the loan company and they have done nothing even after saying they will multiple times. I have also disputed it with all 3 credit bureaus and only XXXX has taken it off. The other two keep saying it was verified and updated. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a XXXX account with chase bank And I was scammed out of {$2000.00} by a company asking me to send that to them to verify my bank account. I called the bank and they told me that they do not reimburse anything like this even though it was phishing and a scam that I fell for because they threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows cascade receivables management, but when I contacted this number the recording states, office of XXXX or XXXX. I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from 2009. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from 2009. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after 6 years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 received numerous documents in the mail from Capital One Bank telling me that I was prequalified to receive a new credit card from them ... They included a preference code as well as Security code to use online or when I called them in person to get accepted for this credit card ... I think that was just to bait me into their scheme.. Now get this, I have an XXXX credit score with all 3 credit bureaus and Capital One declined the credit card issuance to me after making me, the applicant go through their online website, and go through their lengthy online credit card application and then tell me that I am not approved with no reason ... They gave me no valid reason for declining me the credit card and now furthermore, I am now getting dinged on my credit reports with the 3 credit bureaus and loosing points on my credit scores with these 3 credit bureaus because off these jokers /misfits /or plain scam artists ( whatever you want to call them ) that they knew they couldnt make any real money off of me, while they say that you can pay up to XXXX % interest rate on the outstanding credit card balances based on the applicants credit worthingness. These type of banks should be penalized, fined, and I should be have my credit score returned to the proper level and score before these jokers got involved ... .. If you dont do anything about these type of business procedures, then you are not doing your job as well and should terminate your operations as well ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: CITIBANK, N.A.
State: FL
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 XX/XX/2022 i noticed an inquiry alert stating citi bank had collected my credit report from XXXX XXXX and XXXX i called them and told them it wasnt me and to remove the inquiries which they said they would, later i received a alert saying it was removed from XXXX but not the others. i received a letter about a week ago from citi bank dated XX/XX/XXXX stating they had changed the inquiry from a hard to a soft inquiry, which is not what i wanted or was told on the phone, but nothing about XXXX or XXXX. i called back and after being transfered several times i got hold of a ladywho claimed they had no knowledge of any of this, which i stood my ground and told her i had proof of it in form of the letter they sent me, she changed her tune then and said she sent emails to both XXXX XXXX XXXX i tried to dispute this with XXXX over the phone but thet said they needed a copy of this report so im submitting this, i just want this off my credit 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 non-monetary relief
Consumer complaint received 2016-03-24
Company: Estate Information Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Estate Information Services XXXX is a debt collector but makes it appear that they are assisting people with probate. They are not a law firm. They are in Ohio, my client who received a notice from them is in Texas. Nothing indicates they are attempting to collect a debt until you call them. This is outrageous and fraud. The letters they send say they can help you with probate, but the purpose is subterfuge to get information on the recipient 's decedent and on the executor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-10-31
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the credit report act This creditor Carmax has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states also states a consumer reporting agency can not furnish an account with out my instructions. Under 15 USC under 1666 B a creditor may be not treat a payment on a credit card account under a open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation