BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: GA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: LA
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:
Ive reached out to companies and was told that once reported to the Credit Bureaus I have to take it up with them about the inaccuracies. So I contacted All 3 credit bureaus, wrote letters and never received a response. Then I sent a 30 day comply. Still no response after 30 days.

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 2016-01-28
Company: Meade & Associates, Inc.
State: KY
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 received a bill from an apartment management company for damage to the unit. When I called to speak to them regarding these charges, the gentleman told me he would not discuss the amount and even if I sent payment he would not accept it and instead he would send me to a collection agency - which is listed at the same address as the apartment management company - so that my credit would be damaged. 
I never received another bill from either the management company or the collection agency. 
I paid the debt in XXXX of XXXX in order to remove it from my credit report, but this company continues to report as " settled for less than the full balance '' and has even updated my file showing a late payment as recently as XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-06-21
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am experiencing financial hardship due to prolonged unemployment. I initiated a loan assistance application because I was unable to make my mortgage payments and yet JP Morgan Chase has been using Collection calls to harass me to make payments. 

I have applied for loan assistance via two applications on XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX is my SPOC and that has not changed. 

Over the last several months, several Chase employees call and demand for different documents to be sent. 

I have complied with all their requests. I have sent the following documents : 1. Personal and Business Bank account statements. 
2. Tax transcripts for XXXX & XXXX, including all Schedules. 
3. Investment account statements. 
4. Food stamp benefit statements and 60-day Food stamp transactions. 
5. Rental condo Lease & Rent Deposits. 


All these documents have been faxed to Chase using the fax machine at one of their local branches. I have copies of these fax confirmations. My contact information, loan number and property address has not changed either. 


To resolve this continued harassment of document requests, I told XXXX that she needs to put document requests in writing. She has avoided doing so. I also told her that I will be getting a XXXX Counsellor to conference the XXXX of us so we can go over any document requests that are pending. 

XXXX Counsellor XXXX XXXX XXXX tried to conference me and XXXX on XXXX XXXX, XXXX at around XXXX PST. XXXX XXXX XXXX who got on the call told us that XXXX XXXX had gone for lunch. 

XXXX XXXX arranged for a conference call the next day at XXXX PST. XXXX avoided initiating the call and then later called back 30 mins later saying she was confused as to the exact time of the conference call. XXXX avoided initiating the conference call. 

Since then XXXX gets others on her loan assistance team to call me up and demand documents that I have already sent. This has happened over 4-5 times. 

On XXXX XXXX, XXXX I got a call from XXXX XXXX once again demanding a new set of documents. I asked her to ask XXXX to call me back, but XXXX is not contactable. 

I called XXXX XXXX, XXXX at around XXXX PST. The person who came on the phone call refused to connect me to XXXX and hung up the phone call. 

I called back and spoke to XXXX XXXX. I left XXXX a voicemail indicating once again that I have completed her document request. If there is any other document needed she needs to call and not instruct others to call me with random requests for new documentation that they make up on the fly. 

Instead of processing my loan assistance application and providing me with a loan forbearance and loan modification, JP Morgan Chase has resorted to harassment calls by Collection agencies during the day and repeated document requests by other team members in the loan assistance team but instructed to harass me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife lost her business in the end of XXXX, we have since separated and are in the process of divorce. We have decided that I would keep the house. In XXXX XXXX, GTS told me to enter into a forbearance loan for 6 months. At the end of the period if I made all payments on time I would be eligible for a loan modification. My monthly payment was XXXX, the forbearance was XXXX a month but I was told to save the addtional XXXX for each month that I would be required to pay a lump sum of XXXX in XXXX. How this was supposed to help be get out from under is beyond me. It is now XXXX XXXX and I received a letter from GTS that they in tend to foreclose on my home on XXXX XXXX. They wont give me the promised loan modification and offer me no resolution other than curing the debt by XXXX XXXX. They basically lied to me, I have been paying everything in full and on time and yet they are treating me like a XXXX. I want to keep my home and I do n't know what to do at this point to keep these thieves from taking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One Bank is engaging in deceptive practices with their customers savings accounts. They created a new savings account with a slightly different though similar name to the legacy savings account ( named XXXX savings ' ) when interest rates began to rise ( named 'performance XXXX savings ' ). They gave higher rates to the new account type performance XXXX savings, while keeping rates low for the legacy accounts XXXX savings, so any customer that did not notice this lost out on hundreds of dollars of interest as rates began to rise. Capital One gave no notice of this change in accounts, and many people thought they were getting the higher advertised rates who had prior accounts. 

The problem is described here XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: PLAZA HOME MORTGAGE, INC.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I made my mortgage payment to Mr. Cooper on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Worth Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Last week, I received a check in the mail for a {$1200.00} " XXXX XXXX ''. 
The check is dated XX/XX/2021 from Worth Finance Corp., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

The terms of the loan are 12 payments of {$150.00} for an APR of 82.51 %. 

I did not seek this loan. All I need to do to accept this loan is to cash the check. 

This appears to be a bulk mailing. ( Mailed from zip code XXXX Permit No. XXXX ) I believe the interest rate is usury. If this conduct is not illegal, it probably should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ALLY FINANCIAL 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:
I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Hello, I was lied to on XX/XX/2021 by a Target XXXX XXXX XXXX employee during a phone call interaction regarding my account. I asked Target XXXX XXXX XXXX Fraud and Guest Relations to pull and listen to that phone call, so they could see how the employee deceptively had me take actions on my account that did not properly impact my account as she indicated it would. I have my account in a status I did not want, which is due to the interaction with that employee back on XX/XX/2021. Target XXXX XXXX XXXX and Guest relations continue to refuse to help and I've done all I can so far. I also now have a 30 days past due mark on my Credit Bureau reports for XX/XX/2021, which I'm really frustrated about, since I've always maintained 100 % payment history. This is now back to current as of XX/XX/2021. 

This was all caused by a deceptive employee and the interaction whom Target XXXX XXXX XXXX and Guest Relations continue to refuse to investigate further. I've contacted them every few days since this occurred back on XX/XX/2021 to try to have this resolved but, they just continue to refuse to. Please help correct this, since they refuse to assist and this has now impacted my credit payment history from 100 % to 99 %. I take these things very seriously and am very unhappy by the deception and what I would even consider fraud by that Target XXXX XXXX XXXX Employee on XX/XX/2021. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made charges on the credit card, XXXX in this example, and I paid off the balance in full through a checking account with my financial institution namely XXXX Bank also known as XXXX Bank XXXX XXXX. I have the bank account statement that shows the payment was accepted because there is a debit in the amount of the charge in my checking account. Now, the credit card company namely XXXX has not credited the amount in the credit card account and they are leaving a balance with a payment due. I do not have a balance on the card and there is no payment due. I am a responsible citizen and I would sincerely appreciate attention to this matter.

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 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX  are reporting incorrect information on my credit report. My XXXX ACCOUNT ( charged off account ) was paid in full {$260.00} and it is not past due and they are still reporting it as past due and this is really affecting my credit report. I demand them to delete this information off of my report or update immediately. I have called them several times and put in many disputes. XXXX has updated their information correctly on my report so I have no issues with them. I am concerned about my XXXX  AND XXXX  reporting inaccurate information on my report. This is against the law and needs to be fixed today. This was paid back in 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 2016-06-07
Company: Westlake Services, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained a Vehicle loan from West Lake Financial Services for about {$4800.00}. I had the vehicle in my passion for about 28 days. I was involved in a XXXX in which my insurance company deemed was a total loss. Insurance company only paid about {$4400.00} as they determined that was actual value. I had GAP insurance with West Lake Financial and was told it would cover the rest of the loan which it did. On or about XXXX XXXX, 2016 I made a call to Westlake Financial to inquire what my Balance was. I was told over the phone that I had a XXXX balance. For whatever reason West Lake reported a {$71.00} Charge OFF on my credit report. West Lake never notified me I owed them this money therefore denying me any opportunity to make the needed payment. This Charge Off caused a drastic drop of my Credit Score. It went so low that my main Credit line thru XXXX was closed. I lost my {$10000.00} credit line!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!

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