BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a current capital one card member however I have also been the victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX someone applied for a capital one card in my name but using a different mailing address, phone number and email address. On both of these occasions capital one approved credit cards for the fraud. I caught both of these within a XXXX days and called capital one to inform them of the fraud. The accounts were immediately closed and I was told no cards were sent out. I was also told that they would remove the hard inquiry from my credit report. To this date they have not removed it, I have called, wrote letters, and even just today spoke with customer service. They have made no effort to remove this from my credit reporting and it has adversely affected my credit score. 

I want these inquiries removed from all XXXX of the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2015-10-01
Company: Continental Finance Company, LLC
State: CA
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 contend that all of the inquiries made by CONTINENTAL FIN CO, XXXX XXXX XXXX, XXXX, DE XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. 

The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. 

I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. 

I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, 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 2016-07-08
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from New Century Financial Services a debt collecting agency saying I owed a bill for XXXX in the original amount of XXXX. Then I was sent court papers sayin I owe {$1600.00}. I went to court to rectify the situation it was clarified that the debt was not mines it was settled on XXXX/XXXX/XXXX the motion was withdrawn by the plaintiff. It was a case of identity theft. On XXXX XXXX, XXXX I received a letter from a marshal that my wages would be garnished in the amount of {$1800.00} for that debt. I contacted the New Century Financial services and faxed over the judgement papers and they have not to stop the garnish.

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 2016-12-29
Company: Lansing Professional Business Bureau,Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While gainfully employed by " XXXX, i was assigned to pick up scrap metal battery racks from " XXXX '', in XXXX XXXX. On XX/XX/XXXX, while i was loading said battery racks, XXXX racks that were stacked on a pallet fell upon my XXXX. I was taken to " XXXX XXXX XXXX '', were i received medical treatment for my XXXX, for which defined said XXXX as a XXXX issue. On or about XX/XX/XXXX i officially provided XXXX XXXX of " XXXX of XXXX of who i received medical treatment from in writing, for which was " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone # XXXX totally {$6700.00} and XXXX XXXX XXXX, XXXX Physician, XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone XXXX totaling {$2200.00}. Pursuant to the XXXX self insured contract and settlement agreement and release, " XXXX XXXX XXXX of XXXX '', was responsible for paying the medical bills. The XXXX contract nor was the settlement agreement and release was honored, for which defines a " Breach of Contract '', and a violation of Federal Law. The aforementioned has caused me significant hardship due to my not being able to obtain a loan to purchase a house and vehicle to start my own business. 
Consent to publish the description of what happened?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY RIGHTS UNDER THE FDCPA AND FCRA HAVE BEEN VIOLATED. 

TRANSWORLD SYSTEMS HAS VIOLATED ALL CEASE AND DESISTS. 

I HAVE REQUESTED SEVERAL DEBT VALIDATIONS AS WELL AS A SIGNED CONTRACT WITH TTRANSWORLD TO COLLECT ON MY RIGHTS UNDER THE FDCPA AND RIGHTS HAVE BEEN VIOLATED. 

TRANSWORLD USED FRAUD AND DECEPTION TO PURSUE AND OBTAIN DEFAULT COLLECTIONS. 

ON XX/XX/2022, TRANSWORLD NOTIFIED ME THAT THEY WERE CLOSING THE ACCOUNT. 

ON XX/XX/2022, SEIZED AN INCOME TAX PAYMENT ILLEGALLY WHICH CAUSED A SEVERE HARDSHIP. I HAVE NO CONTRACT WITH TRANSWORLD SYSTEMS.

TRANSWORLD SYSTEMS HAS ALSO IGNORED THIS ALLEGED DEBT. TO DATE TRANSWORLD HAS NOT PROVIDED ANY DOCUMENTATION BECAUSE THEY CAN NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: CO
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:
found these inquires on my credit report i did not authorize 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 2016-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Made a payment in the amount of {$150.00} from my personal bank account on XXXX/XXXX/16 due to arrive to USAA on XXXX/XXXX/16. I received the bill and noticed the payment was not credited and I immediately called. The late fee was credited and the associate advised us to upload proof of payment to the USAA website so they could investigate the dispute. My wife did this on XXXX/XXXX/16. I called USAA today and the associate stated that what we obtained from the bank was not accurate and that they tried to contact us on Monday XXXX. We have no record of this. In the meantime, my account is showing as past due and the associate even tried to collect a payment from me instead of helping me with the issue, which is where is my {$150.00} payment? At this point, I am asking for your assistance as it appears the USAA credit card is not aware of how to process an FCBA dispute. I asked what else they need me to get from the bank and the associate did not know. They said to give them a few more days to look into this but I am not confident of the investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted LoanDepot in XXXX of this year to refinance a rental property that I own in Florida and began working with XXXX XXXX. A couple of weeks into the process, XXXX XXXX left and my loan was transferred to XXXX XXXX - this is where the problem began. 
XXXX XXXX quoted me a 15-year loan at 2.875 % for {$100000.00} ( rolling in the closing costs and buying of points ) after I bought points from 3.25 %. The cost would be around {$1500.00}. 
XXXX and LoanDepot did not execute my loan in a timely manner - despite my constant emails asking for the status and info they needed. Eventually, in XXXX the loan paperwork was completed and we went to sign, but the interest rate was now 3.25 % with no points being bought down. I refused to sign the loan. 
I was contacted by XXXX XXXX from LoanDepot, who explained why they could not honor the 3.25 % and he was to compensate us {$200.00} on the closing for late fees due to the current mortgage company. Despite not getting my interest rate, I agreed as long as the {$200.00} was compensated. The loan paperwork came again - exactly as the first one with no {$200.00} compensation. I refused again. 
I began asking friends about the loan. Each made the point that LoanDepot could honor the 2.875 % rate but are refusing. 
At this point, due to LoanDepot 's and XXXX ' incompetence, I am not refinancing my property but I am out the appraisal fee of {$300.00}. An appraisal fee that would not have paid if LoanDepot was going to switch the interest rate on my last minute. ( Not to mention that {$35.00} late fee to the mortgage company ). 
In summary, this company has wasted my time, lost me money in additional months of a higher interest rate by not refinancing ( or refinancing in a timely manner ), a late fee, and an appraisal that I did n't need. I am seeking restitution in money lost or them honoring the original interest rate they quoted me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased several Netspend Visa prepaid debit cards attempted to transfer my direct payment to the bank XXXX XX/XX/XXXXand attempted to transfer money by email into the account, according to them no money showed up in the account or on the temporary card. The Permanent cards that where mailed were never given to me, never showed up in the mail.

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 2016-01-12
Company: Khoury Alternative Claims Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from Alternative Claims Management regarding an auto accident that was handled by XXXX XXXX. Letter claimed we owed {$870.00} and we had 30 days to pay. They asked for a credit card authorization. XXXX believes this claim was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me.
I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.

Company response to consumer: Closed with explanation