BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: OR
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:
The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had several leases with GM Financial. I have even worked with a GM dealer and had direct daily dealings with them. They are by far the most unorganized unprofessional auto finance/lease company that I have ever worked with, they can NOT handle the volume. One of my leases I sent 3 payments in to pay ahead. Thinking that I was paid up until XXXX they had never sent me a statement. So 3 months later I called to verify next payment due and they told me I was 30 days past due, they never called, never mailed never emailed me to let me know that they were claiming I was past due. How is a customer that had 3 current leases at one time with there company not get a phone call or a statement to let me know my {$200.00} lease payment is past due, really what a joke. They swear up and down they sent statements. I can promise they never sent me a statement nor did i get a phone call. I will never lease a GM vehicle again if I have to lease from GM Financial or there affiliate bad credit company XXXX. They should forget GM and stick with XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As per the FCRA " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed IQ Data International collection agency via certified mail twice asking for them to provide me with debt verification in the form of, a copy of the apartment application that was used to initiate an account with IQ Data International or original creditor the XXXX XXXX at XXXX. I was told by XXXX at IQ Data that, " they do not have the apartment application on file to send to me for verification. '' However, IQ Data International has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of the FCRA! IQ Data is claiming I owe them {$540.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! IQ Data refuses to send me the application which the FCRA says I am entitled to in order to validate the debt! IQ Data has also refused to show me proof they are licensed to collect in my state of FL and refused to provide me with their license numbers and Registered Agent or Agent of Service that I requested in writing from them. Please have IQ Data to follow the FCRA and send me all the information I requested as well as the application, lease, or signed contract, or else have this erroneous debt deleted from all my credit files!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately, my loan was sold to Amerihome Mortgage and its been XXXX ever since. In XX/XX/2017 just 3 months after purchasing the home, I had an accident which landed me out of work for 6 months. I sent modification documents to Amerihome Mortgage 21 times. Each time they confirmed they received the documents and would process. Between 10-30 days later i would receive a letter stating there was a page missing or something else was needed, etc. This went on for months until they filed foreclosure. This forced me to file Chapter XXXX Bankruptcy. Since my plan was confirmed i have made all payments to Amerihome. Unfortunately they have not applied the payments properly thus leaving my account in a perpetual past due status. Bankrutcy code states they are required to apply ongoing payments as if the account was never behind. Statements that are paid in full one month will show an amount that is past due for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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 repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX  {$760.00}, {$53.00}, please remove these accounts 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 2019-04-09
Company: EQUIFAX, INC.
State: MO
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 repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX {$760.00}, {$53.00}, please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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:
I have disputed the 3 bankruptcies on my credit report several times. XXXX, Experian & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, Experian, XXXX and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you

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 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OnXX/XX/XXXX,2019 I was notified that I had a new debt collector on my credit report at the time I immediately contact the company which was close at the time. I had no clue who this company was and why it came on my credit report. After doing research I figured out It was a company called XXXX XXXX XXXX and that someone had stolen my identity and utilized it to obtain a apartment in which Im guessing they was evicted from. I notify the apartment complex in which they didnt care at all. I also on Monday afternoon contacted Pro Collect Debt Agency in which I was put on hold twice before speaking to someone also the phone was disconnected in my face for no apparent reason. Upon finally getting in touch with someone who introduced himself as Mr. XXXX located in XXXX TEXAS  THAT WORKS FOR PRO COLLECT DEBT AGENCY who didnt seem to have a supervisor he claim he was the highest rank in charge. However he was so impatient, rude and extremely unprofessional with me and didnt care at all that my identity had been stolen or compromised and that they had made a mistake on their end. He didnt want to explain the fraud process to me kept putting my on hold for no reason and was not understanding or pleasent at all. Im already frustrated with this process dealing with Identity Theft this is overwhelming not knowing answers etc. To get treated like he treated me Is unacceptable.

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 2019-04-09
Company: Cornerstone Home Lending Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased a new home. The escrow amount for taxes only included the land for the XX/XX/XXXX assessment. In XX/XX/XXXX the tax assessment included the value of the house that was built on the land and the land itself. This caused the tax bill to go from {$900.00} to {$9000.00}. This was fine I anticipated that the tax bill would jump, but I was given incorrect information by Cornerstone Home Lending, Inc. I  spoke to a customer service representative in XX/XX/XXXX and explained to the rep that the tax assessment in XX/XX/XXXX only included the value of the land and not the value of the land and the house, and therefore the tax bill would be significantly higher in XX/XX/XXXX. Because of this I requested that we recalculate the amount I was paying into escrow to ensure that we would have enough at the end of the year. The customer service rep ensured me that the escrow amount I was paying was enough and would be enough to cover the taxes at year end. This was incorrect and a very consequential error. My mortgage doubled in XX/XX/XXXX and this could have easily been avoided if the customer service rep would have either given me correct information or recalculated the escrow payments as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I leased a vehicle from XXXXl. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I reported fraud and sent police report. Have not received the following finds : XXXX {$78.00}. {$5.00}. {$53.00}. {$20.00}. {$200.00} XXXX XXXX {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2021-06-30
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Mother had reverse mortage.She passed a couple months ago and have since sold her house pending probate.Reverse mortgage keeps sending foreclosure letters weve though I have sent them all forms requested and intent to sale notice.Champion Mortage is reverse mortage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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:
I leased a vehicle from XXXX. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a military verteran, I attempted to refinance my existing home loan with USAA XXXX XXXX. I initiated the process in late XX/XX/2017 and worked with XXXX XXXX. During the process, I provided extensive information regarding my income, debts and the value of my home. USAA completed an appraisal and provided no less than three good-faith estimates of my anticipated closing costs. At most, the estimates for closing costs were no more than {$5500.00}. 

Two days before closing, I received an " updated '' estimate that placed closing costs at {$64000.00}. XXXX XXXX refused to explain the discrepancy and blamed it on an " underwriting decision. '' She promptly closed my loan file when I refused to pay the {$65000.00}. 

I wrote a complaint to the USAA Chief Executive Officer, who referred the matter to corporate representative XXXX XXXX. XXXX XXXX admitted that XXXX XXXX had made an error and explained that my case " would be used in training '' USAA representatives. Beyond the error, XXXX XXXX declined to make any corrections to the loan file or otherwise assist me. 

I believe that changing the loan terms at the last-minute, without any chance to address these issues, constitutes predatory, bait and switch lending under California and federal law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation