BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company has failed to pay our county, XXXX, and school taxes again. This is the second year in a row this has happened even though we have the money in our escrow account. Last year they repeatedly told us they would handle it but did not do so until we had a complaint with CFPB. We are now getting a letter stating there is a late fee and that a lien will be placed if the taxes are not handled right away. This needs to be taken care of immediately and we should not be responsible for any late fees.

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 2022-04-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
New Additional information : I have sent Navy Federal Credit Union a debt validation letter on XXXX {$1300.00}. I have yet to receive and any information pertaining to this alleged debt. It is past 45 days according to the FCRA, FCDPA. And they have violated my consumer rights. I will be seeking remedy. Since they did not respond to my debt validation letter. I followed up with a cease and desist letter. An account continues to report charge off on a closed account since XX/XX/2018. Which is also a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ ROSS ASSOCIATES XXXX XXXX XXXX XXXX XXXX Michigan XXXX Back in XXXX of XXXX, the above collection agency threatened to place a collection on my credit report if I didn't pay XXXX left from an original debt of XXXX from XXXX. I thought the debt was paid in full with the security deposit put down on the XXXX account 5yrs prior. When the rep from LJ Ross informed me that there was still a balance, I was annoyed for getting a call for such a petty amount but paid the debt immediately. LJ Ross still placed a collection on my XXXX credit report a week later, reporting the debt after it was paid. I called to inquire why and it was noted in my account that the female representative didn't like my tone during our phone conversation. Not to mention they reported an erroneous amount/date for the original debt. I disputed the dates and amounts with XXXX. XXXX updated my report with the correct amount, date and paid in full but didn't remove. I've been fighting for 6 years. Please investigate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-19
Company: EQUIFAX, INC.
State: FL
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:
I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three XXXX. Equifax andXXXX and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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 have been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A closed account is not supposed to be reporting balance every month. I have requested debt validation from transunion to validate XXXX XXXX XXXX and they keep verifying a debt without proper documentation to prove the balance reporting. I have submitted a fraud complaint to FTC for proper investigation as transunion cease to validate my dispute and without investigation. 

I recently received a response to a dispute ( XXXX XXXX XXXX  ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
1 expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. Thank you very much, look forward to getting this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately

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 2022-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS ACCOUNT RESOLUTION for committing identity theft. I have never given ARS ACCOUNT RESOLUTION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from ARS ACCOUNT RESOLUTION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ARS ACCOUNT RESOLUTION can not provide me with proof such as a certified mail tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, then this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( including reporting of ; or verifying of this account on my credit reports. ), of this and any alleged debts until ARS ACCOUNT RESOLUTION can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS ACCOUNT RESOLUTION continues its collection efforts, I will file for litigation for actual damages caused and ARS ACCOUNT RESOLUTION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Please attach copies of : Any agreement between you, myself and your client that grants you the authority to collect on this alleged debt ( trilateral contract ), or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

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 2020-05-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: FL
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:
The account in question is XXXX XXXX. 

Disputed this account, and nothing was sent to me to legally verify this account. 

Experian is in violation of the FCRA. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. 

On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. 

On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report was updated and again no proof of verification was provided. 

On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was updated, again simply saying the information was verified. 

I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX  Account XXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account Number:XXXX  Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account NumberXXXX Validate Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2022-06-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
These companies are in clear violation of the law. Pursuant XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX my husband and I started researching for the best bank to apply for a HELOC as we are building onto our property and construction would soon be starting. I contacted several banks so I could make an informed decision as to what bank would be our best fit. We decided to move forward with PNC and apply online on XX/XX/XXXX, this was after I spoke with a PNC representative ( XX/XX/XXXX) who provided me their current loan term information which included information surrounding loan to value ( LTV ) percentages. On XX/XX/XXXX the representative clearly advised and confirmed that their HELOC product would go up to 89.9 % LTV during our conversation.This information was why we decided to continue the process with PNC, as all other banks I researched and spoke with only offered up to 84.9 % LTV, and this was the flexibility we were looking for. Fast forward almost a month later when we received our approval letter. The counteroffer approval came much lower than what we were expecting. I phoned PNC and they advised the loan could only go up to 84.9 % LTV. I requested to speak to a supervisor and I did have one call me back the following day. She advised they could not honor the 89.9 % LTV originally stated. There was also nothing they could offer even with the misinformation I was provided as the Bank 's LTV procedures were updated in early XXXX. She also said there is no guarantee the call was recorded and if it was recorded there was no way to look up this call if I didn't know the name of the representative. This approach of a bank is very irresponsible if all calls are not recorded on calls that representatives are quoting terms and rates of current products. When assessing the possibility of a UDAAP this certainly his the deceptive element which seems to be a clear bait and switch tactic. The timely process of a HELOC application and the original misinformation is provided to be a material impact on our financial situation which could have all been avoided if the accurate information was originally provided. We now have no choice to go elsewhere due to the length of time this process takes and the potential impact these inquires made to our Credit Bureaus. My husband and I will end up accepting the offer and possibly have to get an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file

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 2021-02-04
Company: LD Holdings Group, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account that is set up to pay my property taxes. Property taxes in Wisconsin can be paid in two installments, with the first installment due on XX/XX/XXXX of each year and the second installment due on XX/XX/XXXX. 

I contacted my lender by email on XX/XX/XXXX. Since my loan had recently closed on XX/XX/XXXX, I wanted to be certain that the first installment of property taxes would be paid. The representative assured me that property taxes are paid by the due date. 

I contacted my lender again through their messaging system on XX/XX/XXXX since I could see in my escrow history online that the property tax amount had not been disbursed from my escrow account. I also contacted my lender by phone on XX/XX/XXXX. Both times I was advised to send an email to a " delinquent tax '' email address. I emailed on XX/XX/XXXX. 

Today is XX/XX/XXXX. I have not received a response from the " delinquent tax '' email address, nor have I seen the property taxes disbursed from my escrow account and I can see on the county 's property tax website that the taxes have not been paid. The property taxes were due 4 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AR Resources, Inc.
State: NJ
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:
An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. XXXX  still has it listed and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially applied for an Indigo Card through Genesis bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. Genesis responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to XXXX XXXX XXXX as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from Genesis saying I am not responsible to XXXX XXXX. Today I received an email from XXXX Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.

Company response to consumer: Closed with explanation