BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: Northern Trust Company, The
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX this letter was sent by E-Mail to a Vice President of Northern Trust XXXX with whom there has been abundant E-Mail communications. 

There has been no response. 

Response to this request would be time critical, as Northern Trust would be in the process of preparing paperwork to be signed to close this estate. 

Upon my receipt of the paperwork to close the estate, there would be by law thirty days to agree or disagree to closure. 

I can not agree to closure until the requested documents mentioned in my XX/XX/XXXX E-mail have been provided for my review. 

For reference there have been three, now four, CFPB complaints regarding request for documentation of charges to the estate. The latest was XXXX-XXXX. 

Letter : XX/XX/XXXX Due to water damage in XXXX to my dwelling I still do not have access to all the documents pertaining to my fathers estate which are still packed away in boxes. 

Today there was review of the monthly account statements for the past several months. 

There are two documents which must be received and reviewed before I will sign the pending estate closure agreement.

1. On the XX/XX/XXXX monthly account statement there would be a charge to the estate of {$6200.00} to XXXX XXXX XXXX, XXXX. 
Please forward all correspondence and documentation regarding this charge. 

2. On the XX/XX/XXXX monthly account statement there would be payment to the estate lawyer, which would be contradictory to a statement in a letter from a Senior Vice President that Norther Trust would have no further involvement with this estate lawyer.

This brings into question the statement from this Senior Vice President by letter that if I agree to close the estate uncontested, the estate would not be charged?

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 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-07-03
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: Their investigation did not fix an error on your report

Complaint:
I disputed the balance of a XXXX collection on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.

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 2023-04-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amount : {$170.00} My husband and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. On XX/XX/14, the agent that call me claimed the bad credit marks would be removed if I were to pay immediately and they would leave us alone, then refused to send a letter stating as much in writing. I pushed for it to be sent in writing, and he eventually agreed. At the same time, my husband received a call, he explained this to the agent, the agent made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if we didnt pay now, we would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after my husband said he would be retaining legal counsel. He was forced to hang up. I called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call me, who, less than 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. I was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. I then received a text message from Genesis immediately after that conversation and another email. I feel this constituted harassment, threats, and illegal debt collection practices. My husband also made a complaint regarding this and the credit removed, but it has not been removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I payed LLC loan care on XX/XX/2022 and XX/XX/2022 and the money was deducted from my account but LLC loan care didnt cash the money. I got the money back into my account and sent it back to them but my credit is now ruined and they have charged me absurd late charges. I dont feel like this is right because I upheld my obligation but these banks keep dropping payments. The also happened last year.

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 2019-07-03
Company: Paypal Holdings, Inc
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2019, I received a letter from XXXX XXXX XXXX XXXX, which stated that they represented PayPal, Inc. in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XX/XX/2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to PayPal, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XX/XX/XXXX, I received another letter from Convergent with an attached letter from PayPal. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, XXXX XXXX , XXXX, indicating that my failure to dispute the debt within 30 days would result in XXXX declaring the debt valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from Amerihome mortgage to XXXX XXXX XXXX XXXX  Payments were sent to Amerihome for XXXX XXXX XXXX XXXX, and XXXX Amerihome transferred the XXXX payment to XXXX in XXXX. The other 4 payments for 4 months have not been transferred. I have made several attempts to contact Amerihome to have the funds transferred to the XXXX and no one will assist me with this matter. In the meantime the funds are with Amerihome and it is not being credited to my account properly. Amerihome has a responsibility to account for all funds and transfer those funds immediately to XXXX. Amerihome has egregiously mishandled my mortgage payments and they refuse to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX in a pre-recorded conversation with Toyota Financial Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my XXXX XXXX Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, XXXX and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and Toyota Financial Services didn't want to take the offer from the dealership. 

So Toyota Financial Services sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a US XXXX XXXXXXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to XXXX XXXX XXXX XXXX in XXXX, Idaho, and spoke to a rep XXXX XXXX  and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX Toyota Financial Services and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had been using Experian Credit monitoring for a few months for the price of {$19.00} using my XXXX XXXX. They would monitor child XXXX in the area but what does that have to do with my credit report. I had on my report my XXXX, student loans was closed and my old addresses off my credit report along with a po box address, so I decided to complaint a disrupt. And once that disrupt was submitted they took my credit score down ( XXXX ) points my score was XXXX. I had been pre-approved for a mortgage loans and yet once my score went down I had to explain to the lenders what was on my credit report as closed. When I contact Experian, she explained to me it would go back up so I was very disappointed in the services with the XXXX at the price of {$19.00}. I explain to the rep I was very disappointed and that this services is a fraud which the mistake was on my credit report and then you decided to harm my score instead of protecting my credit with correct information. So I discontinued my memebership. My score had been the same since and when I login they are asking me if you want credit monitor for {$19.00} just to see my credit increase this is fraud they should never put a consumers in a position that they need to pay just to see the updated credit score. Since I stop being a member they just keep taking my score down they hurt my credit with my SL being closed it was their mistake the other 2 credit bureau had my correct information regarding my SLoans. I requested my old address es be taken off my credit and yet nothing. I must pay {$19.00} to get anything done. I have the app on my XXXX and my credit is lock I cant even unlock or lock my credit unless I had contact them. This is fraud I have paid for this services just to hurt my Credit this company need to be investigated to the fullest. Today, my credit score is still the same and hasnt moved or anything. I would like my refund on the services they had surrounded to me for my credit monitor program sucks and I am sure I am not the only customers that has had these issues. Free credit report Experian charge you a fee. All my credit report are lock now expect Experian unless I pay for a membership of {$19.00} and I am not going to do it anymore.

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 2022-03-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received an on line loan with ace in XXXX with payments set up on auto draft. I was able to make a few payments and had some difficulties and cancelled the auto draft. I can not access my loan any longer on their web site and someone is writing manual checks and still taking the payments out my account without my authority. I can not get them to stop and also i have no access to my loan anymore to view what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has stated that I the consumer owe a debt and has reported on my credit report without my permission and by doing do they have violated FDCPA. I have communicated with XXXX XXXX to request verification of the alleged debt however I have not received any response. 
On XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX a Cease and Desist letter along with Debt validation/verification letter. Capital One did not rebut the letter point for point with proof of a valid debt owed and I have not gotten any response from any of my correspondence to them in regard to this alleged debt. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit of Service by mail. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit attesting to the mailing of papers or documents ( with documents attached ) & Notice of Record - Notice of Default and Opportunity to cure. 

I have attempted to settle this matter with XXXX XXXX XXXX XXXX XXXX XXXX, however the company continues to report negatively on my consumer report and has violated several of my consumers rights. I have suffered emotional distress, defamation of character, and other unseen injuries. Please see all violations below : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: FL
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 have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I simply asked about a few checks on hold and when they would be released. In return, I was asked why doesnt your relatives have the same last name as you? why do you have so many relatives? Why dont you come into the bank with your so called relatives and show the bank that you really have that many relatives? Indeed, I came from a big family, a loving family that would lend me help whenever I needed it. I am proud of my last name, so does every other XXXX, we do not simply change our last name due to marriage. What did I get in return for pointing out racism to XXXX? XXXX suspended and terminated my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to file a complaint against Fair Collections & Outsourcing ( FCO ) concerning a collection account reported on my credit report without prior notice or validation and failure to respond to a letter verifying payment to the original creditor. 

On XX/XX/XXXX, I was alerted by my credit monitoring service of a new account in collections on my credit report and that my credit score dropped XXXX points. This was the first time I received any information about this alleged debt. According to the report, FCO claimed that I owed an amount to my former landlord. 

Immediately upon receiving this notice, I requested a debt verification letter from FCO to substantiate their claim. They provided a statement of accounts dated XX/XX/XXXX, with itemized expenses and an alleged amount due. However, I had previously settled this amount due in XX/XX/XXXX. Furthermore, I contacted my former landlord to verify the status of my account and was informed that I had no outstanding balances with them. 

To resolve the matter and clear my credit report, I sent a certified mail to FCO, providing evidence and a receipt that the amount had already been paid to the original creditor. This communication was sent well over 45 days ago, and I have yet to receive any acknowledgment or response from FCO. Despite the lack of communication from their end, the collection account continues to be updated monthly by FCO to the three major credit reporting agencies.

This reporting and handling of the alleged debt by FCO has not only been incorrect but has also adversely affected my credit score and financial standing without justification. I have been declined a housing opportunity because of this erroneous data. The lack of response to my attempts at communication and resolution is also concerning and goes against the standards of fair and transparent debt collection practices.

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