BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: Resurgent Capital Services L.P.
State: TX
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:
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am not certify the way that big company came out with there final results the why 1.It is true that the Address, Id, phone number, is main but during the process of me to get the TD BANK/TARGET CREDIT the company have to call the number and make sure that their are issuing the credit card to the right person if you make a call I will answer the call since I am holding my cell phone at hand right in-front of you or I may answer you from far away since I am not the right person .did you do that? 
2. Try to check my credit payments 3. I have never ever used store credit card except XXXX credit card 4.Also I want to know how many times I used the credit card for purchases 5. How long do I pay the the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My family had to put my dad into XXXX. He vacated his house on XXXX XXXX, XXXX. It 's XXXX XXXX and we 're still trying to work with Financial Freedom, the provider of the reverse mortgage on the property, to sign over the house. Financial Freedom has been impossible to work with : 1 ) Even though they throw around terms like " Single Point of Contact, '' we have never had a dedicated representative to work with. 2 ) It took five months to get them to recognize that the property was vacated. 3 ) It has taken three months to get the right forms to start the Deed in Lieu process. 4 ) Every time we call to get an update, we 're told conflicting information. Meanwhile, my dad is paying for utilities and insurance for a house he has n't lived in for ten months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am having a problem with my mortgage servicer. They are denying me the right to obtain the appraisal value as i am in default and trying to short sale my property. By law i am entitled to the appraisal value of my property within 3 days of appraisal. name of company refusing to cooperate is Selene my loan number is XXXX. They are forcing me to foreclosure and discriminating on my financial status. I have numerous appraisers stating that banks are having them increase the value of the home to a number that is not comparable to the home price. They are manipulating the system to force homeowners to foreclose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I submitted a Sales contract to Home Bridge XXXX  XXXX. Knowing they only have 3 business days from the XX/XX/XXXX to send out application documents, Loan Estimates, etc., They took almost to weeks to send my documents to me. I received a Loan Estimate on XX/XX/XXXX. When I confronted the Loan Officer about the problem, he informed me that his company is following the appropriate guidelines. However, they are playing the system. I have proof that I sent the Sales Contract to this Loan Officer on XX/XX/XXXX, but the " Date of Application '' they have is XX/XX/XXXX to make it look like they are in compliance. I told her Loan Officer that they are out of compliance and I should not be charged any fees due to the 0 tolerance rule. He disagreed with me but told me that their systems generate the dates of application once they get the 6 key factors of the application. He had ALL information needed on XX/XX/XXXX. He even states he let the sales contract " Sit '' in his email due to being " So busy ''

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 2015-10-05
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude.

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 monetary relief
Consumer complaint received 2020-08-06
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is reporting an account past due and a charge off and past the statue of limitations for my state of alabama which is 3 years. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: AMERICAN PACIFIC MORTGAGE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied and was preapproved for a mortgage with American Pacific Mortgage group in XXXX or XXXX. They provided misinformation advising that my XXXX money was never and would never be in jeopardy as long as they issue a denial letter. We scheduled closing more than 4 times and completed XXXX amendments with the sellers keeping the home off the market for over XXXX months. We terminated the contract as of XX/XX/2022 due to their underwriting issues and the seller not being willing to wait any longer. At which time the mortgage company advises that I will not get any of my money back even though the denial was no fault of my own. I requested to pull out of the contract several times through the process due to their underwriters getting upset with me for contacting their offices. They knew I am a first time home buyer. I wasn't aware I am not allowed to contact their office. Instead of telling me they decided to punish me by drawing out the process. There is no reason it should take them over XXXX months to underwrite a loan when are being provided all requested documents in real time. The broker later advised my realestate agent that the initial loan officer was taken off the loan processing due to him accidentally leaking the underwriters information and the underwriters decided to " punish '' me this way and probably in causing me to lose the home I was under contract for also. This was a nightmare of an experience for a first time home buyer. I attached the communication between myself and the broker as proof of my complaint.

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 2020-08-06
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XX/XX/XXXX I applied for a cash out refinance loan through American Financing. On XX/XX/2020 I signed documents on the loan ( the documents had errors, like not having my name correct ). To properly close, the title company XXXX XXXX XXXX needed some additional deeds recorded. The loan was not funded and my existing mortgage remained. The loan processor at American Financing was aware of this and we had almost daily emails about the situation. In a letter dated XX/XX/2020, I received notification that my unfunded loan had been sold to XXXX mortgage company and my first payment was due on XX/XX/2020. Eventually I got deeds prepared at my own expense as the ones I received from XXXX XXXX had errors in them they could not seem to correct them. The loan finally closed on XX/XX/2020 and my existing loan was paid off. However on the new loan, I have been charged interest on the balance of {$180000.00} since XX/XX/2020 despite my not having the money. I never received updated closing documents from the title company either

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: CADENCE BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the years of XXXX and XXXX, there were approximately {$24000.00} cents removed from my checking account. At which time, there was a breach that took place with XXXX, that caused information to be released without consent. I am a victim of that breach that took place, as to say my information was released in various locations and areas. Which allowed unknown people to retrieve access to accounts, social security numbers, and etc. There has been police reports filed with the XXXX Police Department and the Sheriff Department in XXXX, Louisiana. I have visited the branch on XXXX XXXX in XXXX, on or about XX/XX/XXXX, and spoke with the branch manager making them aware that I forgot all about the account and opened a new account with a different financial institution. At such time another card was given out to an unknown source and funds were removed from my account in numerous cities and states.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

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 2022-05-17
Company: EQUIFAX, 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:
FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX stating that I owed an XXXX crypto exchange called XXXX XXXX {$26000.00}. To which I know nothing about, it's a fraudulent debt. I never borrowed any money from this place, nor did I make any agreements to pay them. I sent the collection agency a dispute letter on XX/XX/22. I requested that the debt collector verify and prove that I borrowed, owed and agreed to pay this amount to XXXX XXXX- which I never agreed to any of that, as I don't even know what the debt is. I filed a dispute with all XXXX credit bureaus. Today, XX/XX/22, I found out that XXXX is not able to remove it from my report because the collector lied and told them that the debt is valid. I was wrongly put in collections by XXXX XXXX in the first place. After sending my dispute letter to the collector, I expect all of this to be removed from my credit, and so far it hasn't happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Capstone Credit & Collection, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for {$9700.00} with Capstone Credit Stone & Coll. The apartments name XXXX XXXX XXXX. They located in Florida, XXXX which I never been too ever. I called the company letting them know what was going on, no help. So I filed a dispute twice with XXXX back in XXXX & XXXX. I filed a police a police back in XXXX and sent it to XXXX the debt still on my collection. So another dispute is being open XX/XX/2022 with a copy of the police report.

Company response to consumer: Closed with explanation