BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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 information incorrect

Complaint:
I received a bill from XXXX XXXX XXXX Bank that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XXXX  in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I  called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: SYNCHRONY FINANCIAL
State: IN
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: Was not notified of investigation status or results

Complaint:
I notified the company of inaccurate reporting of the date of last activity, the incorrect amount, and never received a response from the company. Ive made several contact attempts and never receive a response in writing.

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 2020-03-12
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is NOT MINE! I'm sick of these false amounts on my credit! I do not owe any such debt. This is a issue from the breach! I have contacted my attorney and they have sent a formal letter to this company. Please stop all reporting for this account. Not mine! I never owed this! Never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never lived at the XXXX PA address. This is not or never has been my address. Please remove from 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 2016-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Submitted account closure request XXXX, confirmation received, still waiting. 
Account XXXX. 
Tried calling them twice, just put in wait queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report : - XXXX XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I was offered a refinance option ( XXXX  ) through my current lender, XXXX XXXX XXXX, and was in contact with a loan XXXX working with the company for the process. Im currently residing in XXXX, XXXX, but have family living in my home in XXXX XXXX, Maryland. 

Initially, I went through the whole process of digitally signing documents and obtaining the requested documents by getting a power of attorney for my mother to be the designated signee through the XXXX XXXX of which took time, money and other logistics on my part to get done so we could close for the refinance. During this time, my mortgage payments changed due to a shortage on the escrow in XXXX of XXXX, and since the account was being deducted automatically, the change had to be made via the bank and I reached out to the company to make payments via the phone but they couldnt take the payments. Further, the money owed was part because they didnt receive the full payment, but the main mortgage principle that we were paying for XXXX years was still being deducted. That sum was a total of {$1700.00}. The late fee was also charged and paid thereafter. After the change that increased my mortgage payments to {$1800.00} was made in XXXX, they received my power of attorney that I obtained from the U.S. consulate in XXXX, XXXX XXXX, they decided to deny my refinancing option under the basis of missing one late payment. I wanted to talk to someone in the department regarding this but was not met with my requests. I really feel that this whole situation couldve been handled better and fairly treated under the circumstances I was in. I would like to complain about this with hopes of receiving a fair shot, since we were doing our due diligence for 4 years making payments on timeeven in the mist of the pandemic we were puntual with our mortgage payments.

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 2016-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
The company, Kohl 's Dept Store NY is contacting my cell phone ( my cell # XXXX ) everyday at 10 times per, calling me after XXXX ... They use several phone numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a collections notice placed on my credit report by Franklin Collection Service Inc at the request of XXXX. Upon contacting Franklin to learn what the debt was, it was clear this was not my debt : different state, address, phone and email. There is no evidence I owe this debt. I was never contacted prior to being placed into collections. 
Franklin refused to remove the collections notice from my credit report and required I provide them with written evidence the debt isn't mine ( which is backwards, they should provide evidence the debt IS mine ). 

This account was opened while I : a ) had a fraud notice was on my credit file due to the XXXX  data breach b ) my credit was locked with all three credit bureaus c ) the account was opened using none of my personal information beyond my SSN I have attempted to contact XXXX  3 times today. I've waited on hold for over 60 minutes with their " Fraud Team '' and ultimately they just hung up on me without my call being answered. Other people at XXXX  just forward me to this " team '' who never picks up the phone. I see no way that I can resolve this without your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.

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 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC systems is attempting to collect a past due amount on a PRE PAID XXXX  ( XXXX  XXXX  ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating

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 2016-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. 
I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a transfer of a balance from Capital One XXXX. The transfer went through on XXXX/XXXX/15 so I now have a $ XXXX balance on XXXX XXXX XXXX. However, the transfer has n't gone through yet on Capital One so I still have that balance on that card, too. Therefore, I am being charged finance charges on XXXX cards. Seems like a game the credit card companies play to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have contacted chase Bank in regards to a Loan the have reported on my credit report. I had a previous case and they sent a letter with some information but it does n't give information as too what happen to the account balance. They said it was a CD, I did not have a CD It was a secured loan from my savings acct. There should not be a balance left. The person I spoke with XXXX, asked me for information on the loan and any paperwork I may have. They need to remove this from my credit report. I believe a cover up is trying to take place. Please assist in getting to the bottom of this issue. The previous case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
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:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, 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 explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, 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 explanation
Consumer complaint received 2018-06-26
Company: World Omni Financial Corp.
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: Account status incorrect

Complaint:
On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Resurgent Capital Services L.P.
State: CT
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:
On XX/XX/2020, I received a letter/bill from Resurgent Capital Services in the amount of {$610.00} and there is a derogatory mark on my credit report with XXXX. Upon further research, this account was sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Resurgent Capital Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX and secured a loan from Mid America Mortgage. I have had continuous payment processing issues since the inception of the loan and have attempted to resolve this issue with the lender numerous times without any success. Today I called and asked to speak to a supervisor and the first agent told me to hold for a supervisor and then hung up on me. When I called back, the next agent refused to let me hold the line so I elected instead to send a complaint. Additionally, I signed up for an XXXX  Accelerator Program to make payments on my behalf however, there are still payment processing issues. 

According to my XX/XX/XXXX statement from Mid America, they are saying I have an outstanding balance of {$4900.00}. 

Please find below a list of the dates/activities that have occurred as of today : XXXX XX/XX/XXXX - Mortgage Payment Made ( as part of closing ) {$8400.00} XX/XX/XXXX - Payment Reversed {$8400.00} XX/XX/XXXX - Mortgage payment reposted {$8400.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XX/XX/XXXX - Signed up for EquityPlus Program XX/XX/XXXX - Canceled ACH Recurring Payment with Mid America XX/XX/XXXX - Equity Plus started withdraws from my account XX/XX/XXXX - Mortgage Payment Made - {$2300.00} XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$10.00} additional principle XX/XX/XXXX - Mid America Reversed the Payment - {$2300.00} & did not show receipt of additional principle ( {$10.00} ) XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle XX/XX/XXXX - Mid America shows receipt of payment + additional principle on XX/XX/XXXX statement XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.

Company response to consumer: Closed with explanation