BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: CCS Financial Services, Inc.
State: AE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I appear to be the victim of fraud carried out using my name and former address in XXXX OH. I became aware of the situation when my former neighbors sent me an e-mail with photos of a delinquent car insurance bill from XXXX XXXX XXXX ( XXXX ) in XXXX, PA ( attached ). Our neighbors check our mail box for us. My wife and I moved from our house at XXXX XXXX  XXXX XXXX, XXXX, OH in the summer of XXXX to Florida and subsequently to XXXX. We have not been in the US since XXXX. We started renting out our house on XXXX starting in XXXX. It is not currently occupied. 
I called XXXX XXXX XXXX on XXXX XX/XX/XXXX and informed them that I had not taken out a car insurance policy with them and did not owe them any policy money. The policy was issued in part based on my Florida driver 's license. The Florida driver 's license number XXXX XXXX has is my correct driver 's license number. I did not ask if they had a copy of the license or not. Again I reiterated that I was not responsible for the unpaid premium on the policy XXXX the policy had been issued on XXXX XX/XX/XXXX and terminated for non-payment on XXXX XX/XX/XXXX ) and was informed they would work on the problem. 
On XXXX XX/XX/XXXX I received a subsequent e-mail from my former neighbors in Ohio with photos of a demand for payment from CCS Payment ( XXXX ) in XXXX, MA ( attached ). On XXXX XX/XX/XXXX I called CCS and talked to XXXX XXXX. She said she would note that I disputed responsibility for the bill and that I should fill out a police report for fraud and forward a copy to CSC. 
As shown on the XXXX XXXX XXXX paperwork, the insurance is for a XXXX XXXX XXXXXXXX. I have never owned such a vehicle. Additionally, since XXXX, I have insured all of our vehicles with the XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX said that a XXXX contact telephone number was given ( XXXX ). I called this number, but it was no good.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 'm the victim of identity fraud. Since  XXXX   XXXX  ( and prior to that  XXXX  of  XXXX  ) I have been battling to have the   XXXX   XXXX   charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who  the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under  XXXX   XXXX . I would never open an account under a nickname and I 've never had   XXXX   as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the  XXXX . Interestingly, only the reports pulled by the mortgage company show these scores.  XXXX   XXXX  still has me in the  XXXX  range where I 've been all my life. PLEASE fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: CA
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:
Contacted Experian and XXXX  multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.

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 2021-02-05
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX have tried going through legitimate channels to stop what amounts to a loan broker maintaining a balance on my credit report that has been satisfied through a third-party lawsuit for {$12000.00}. The attached letter from XXXX XXXX states that the original debt was procured for XXXX, then sold to XXXX XXXX XXXX. XXXX XXXX has nothing to do with the original loan, and is in violation of their subscriber agreements with all three pertinent credit reporting agencies, XXXX, Equifax and XXXX XXXX respectfully. The answer given by XXXX XXXX through the Consumer Financial Protection Bureau is completely unprofessional, and the fact remains that when XXXX XXXX lost its servicing for the original loan, the balance from their responsibility should have been placed as XXXX balance, sold to third party debt buyer. I p [ aid the loan off through my lawyers office for a {$12000.00} cashiers check. XXXX XXXX must delete the account altogether as it has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX must delete this account Immediately and permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Other

Complaint:
Capital One USA has been reporting to the XXXX credit bureaus that I have a credit card with a credit limit of {$10000.00}. Initially, I was not sure if this was my credit card account since there had not been any activity on it since XXXX. I requested a fraud investigation. Capital One requested additional information from me which I sent to them XXXX/XXXX/XXXX. They researched my account and found no evidence of fraud and placed a disagreement code with a resolution of dispute on my credit file. So I requested a credit card to be mailed to me so I can utilize the account and low interest rate. They refuse to issue me a credit card so I have no access to the {$10000.00} credit limit they are reporting is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: NC
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:
My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in 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 explanation
Consumer complaint received 2016-03-18
Company: NTFN INC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Last XXXX I closed on a house I purchased using my VA home loan. Normally when your a second time VA home loan user you pay a VA funding fee. I used Premier Nationwide Lending for my home purchase. I sent my Certificate of Eligibility from the VA to my loan originator who put it in my package to build my loan. I also used my XXXX monthly income from the VA to get approved for the loan. I am XXXX by the VA. At closing I asked what was the XXXX dollar closing fee for the VA and my originator told me that it was a VA funding fee and that since it was my second time using the VA home loan I had to pay it. Fast forward to Monday of last week, I now work for a bank as a banker and I was talking to a former veteran also our mortgage guy for the bank I worked at. In passing we talked about my loan and proceeded to talk about how much I had to give the VA. My mortgage guy told me that since I was XXXX I should n't have paid that funding fee and showed me the VA reference guide saying that " while its true that second time VA users pay a funding fee, XXXX vets are exempt. I pulled my HUD my COE and sure enough I was exempt. Last Monday I contacted the loan originator I used at premier nationwide lending and complained to him and sent the documentation showing they made a big mistake. After a few days I texted him on Friday of last week and he said he would get back to me Monday or Tuesday this week. Well today is Thursday and I have had enough. This is a serious matter, I paid money I should n't have paid and now am paying interest on that money I should n't have paid, not to mention closing cost were built around the overall amount of the loan. I still have not heard from premier nationwide lending 's compliance, or even the loan originator unless I text or call him first. For me this is ridiculous and as a XXXX veteran it is very distressing to have this financial burden and uncertainty hanging over me and my family. I feel as if no one cares enough to keep me informed or to even let me know if this is being resolved. This is wrong whether it was intentionally done or unintentionally done. This loan is 30 years of my life and if I would not have caught this error I would have paid much more than XXXX dollars over 30 years. My loan currently cost more than my home would appraise for because of that funding fee. Please contact me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Referring to Complaint # XXXX, Seterus admitted wrong doing with their statement " When an escrow account is created for the disbursement of property tax and/or hazard insurance premiums, an escrow payment is to be created to repay the disbursements. However, XXXX did not create a regular escrow payment. Please be advised that we are unable to explain the actions of XXXX while they serviced the loan. ". 
2. When Sterus can not explain the actions of XXXX, Seterus has the responsibility of obtaining the explanation from XXXX before creating an escrow account. They failed to do it. 
3. The {$0.00} is simply due to round off to higher dollar when I make payments, instead of {$1800.00} to {$1800.00}. It has nothing to do with any escrow payment. 
3. Calling a non-escrow account an escrow account is a deceptive practice. Seterus can not produce a letter from XXXX to confirm it is an escrow account, because XXXX will not say it is an escrow account. 
4. XXXX simply put the amount in an account that will be part of pay off amount. The mortgage is principal and interest payment only. 
5. XXXX sent me a letter stating that the terms and conditions remain the same after transfer to Seterus. But Seterus violated those terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX I XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # *******************Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the XXXX credit reporting agencies. 
Although I made a late payment XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
Ive applied for a loan through this company several times over the past 4 years. I was approved three times and was always told the information that I needed to further approve my application. On the final attempt of submitting my application on XX/XX/2021 along with my personal information including tax documents, license and car registration and title, I called to verify what I need and was told by a women in the office named XXXX what exactly was needed. I was then contacted by the owner XXXX XXXX explaining why I would not be approved for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we requested a 6 month forbearance of our USDA loan that is guaranteed by and in accordance with the CARES act of XXXX. Our mortgage company is Rushmore Loan Service Management, which is basically a loan collection service. 
Throughout the whole six months and now beyond, Rushmore has insisted on treating us as a debt that is overdue and that they are trying to collect. They refused to acknowledge the CARES act and tried giving us 3 month forbearances which they were 'choosing ' to grant. They tried to say we were late on the XX/XX/XXXX payment so that the CARES act would not apply. They pretty well did everything you would expect a debt collection service to do, even sending someone by our house about the 'debt '. We have sent them numerous letters with the USDA forbearance guidelines included, and still they insist on saying our loan is overdue and the 6 months payments are due immediately. 
We did not request a 2nd 6 month forbearance and resumed making our regular monthly payments on XX/XX/XXXX. They have accepted each payment while still insisting that we owe $ XXXX immediately. Today we received more letters indicating they are 'reviewing ' our requested loan modification as part of our 'home retention package ' and they will have their decision in 30 days. Another letter says they are appraising our property and may make us pay for this process. 
We hold that per CARES they have no right to do any of these actions. We properly and in a timely manner requested our forbearance and resumed our payments. They have the right to determine if we are capable of making the payments, but as we have never missed a payment prior and are currently making payments as we speak, they sufficiently have their answer. 
Rushmore bought into the mortgage business by purchasing US guaranteed home loans specifically for the purpose of foreclosing on these guaranteed loans if at all possible. Their aim is not home retention but home foreclosure. Every step of the way they have acted like they are eager to foreclose on our home. We have had this mortgage for over 7 years ( since XX/XX/XXXX ) and have never missed a payment on it. They took over our loan 2 years ago ( XXXX ) and we have never missed a payment on it other than the 6 month forbearance. 
We request that your agency act within your guidelines to provide assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  and TransUnion were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.

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