BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA.

Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. 

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. 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. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.

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 2019-04-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
WENT ON XXXX TODAY AND GOT AD FOR CONSUMER LOAN FROM ONE MAIN AD INSTALLMENT LOAN TO HELP WITH BILL CONSOLIDATION. THEIR AD ARE MISLEADING THE CONSUMER! ATTACHED SEE THE ATTACHED TRANSACTION START TO FINISH. ALSO, THEY ARE NOTORIUS FOR PULLING PROMO-INQUIRIES AFTER OPTED OUT, ONE MAIN IS VIOLATION ALL 50 STATE DECEPTIVE TRADE PRACTICES ACT AS WELL AS THE DODD FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT. ( TITLE X ) AND NEED TO CHANGE THEIR BUSINESS MODEL AND INFORM CONSUMERS MIN SCORE AND THE FACT DO NOT DO BUSINESS IN ALL 50 STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Sequium Asset Solutions, LLC
State: TX
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:
On XX/XX/2021 I paid the collection agency Sequium Assets for an account with a balance of {$710.00}, open date XX/XX/2021 and the original creditor being XXXX XXXX This account was since updated and closed on my credit report. On today XX/XX/2021 this same information was ILLEGALLY REINSERTED onto my credit report with that same balance and same date only difference is its a new agency called Focus Receivables Management. This was done without my knowledge or consent and without any prior notification. This is AGAINST THE LAW and NOT IN COMPLIANCE with the rules and regulations set forth by the FCRA. This derogatory information needs to be REMOVED from my credit report IMMEDIATELY or I will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about Wells Fargo handling of escrow accounts for property tax & home insurance. After many problems with my escrow account, I tried to have my escrow account cancelled, which would allow me to pay my own tax & insurance. I was told by the customer insurance representatives of Wells Fargo, that it is a requirement of the VA to maintain the escrow because I have a VA loan. I contacted the VA which told me this was not true. The VA stated they do not require property tax & insurance to be escrowed. I called Wells Fargo back, and when they tried to tell me the VA story again plus send false documentation for their claim, I stop them and told them I had been in contact with the VA. That's when the Wells Fargo representative changed the story and said you are right the VA don't require the escrow but it really XXXX XXXX who require the tax and insurance to be escrowed. They whished they could help but there was nothing they could do. They offered to send the documentation to support their claim again. I Then started a day long search to get a good number to XXXX XXXX and a contact person. It was hard but I finally found it. I spoke with XXXX XXXX contact person on mortgage loans. He informed me that It was not true, XXXX XXXX do not require escrow accounts for VA loans. he gave me the article which says they do not require escrowed accounts. Long story short I called Wells Fargo back with this information. This time they said I had to submit a written request and include the article which I did. This time Wells Fargo said, they will not cancel my escrow so I can pay my own taxes and insurance because THEY DON'T WANT TO. My question is why all the Misinformation & false documentation about the VA & XXXX XXXX to back up there untruth about escrow accounts. I still would like my escrow account cancelled so I can pay my taxes & insurance in a timely manner. I would Like other consumers to know NEVER escrow your taxes and Insurance in a home mortgage with WELLS FARGO.

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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a large amount of credit accounts, 36 showing to be exact. I never view my credit on a regular bases. I found these account mixed in my credit report, once I took the time to study my credit by each line item. I have no knowledge of these accounts.

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 2018-03-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In response to Experian investigation results with report # XXXX dated XX/XX/XXXX. I've contacted Experian several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/XXXX requesting the method of verification used to verify the erroneous Public Record showing on my credit file and Experian failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So Experian purchased this data from a 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the Experian 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Experian can Never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. Experian most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above is why Experian was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2019-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My lender penny mac failed to pay insurance from my inpound account .the insurance was then canceld .they told me they sent letters i do not recall seeing any or i would have responed .the lender placed there own insurance .califorina civil code 2954.1 states they have to pay insurance and taxes on time .the lender is now saying the inpound account is over drown by XXXX and i need to pay it back ... please any help would be great.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I, XXXX XXXX, a consumer and the original creditor requested a validation of debt from Federal Loan Servicing. I applied for a student loan through FAFSA which stands for Free Application for Federal Student Aid which may be deemed very misleading pursuant to 15 USC 1692e.

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless FED LOAN SERVICING wants to inform XXXX XXXX XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, FED LOAN SERVICING, intends to invoke my remedies. 

I have also attached a copy of my debt validation request and cease & desist demand below which was sent to FEDERAL LOAN SERVICING via Certified Mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017, XXXX - XX/XX/2017, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-04-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One Bank XXXX are reporting XXXX accounts on my credit report. I have sent them letters asking to validate the date, also my Affidavit from XXXX along with copy 's of the police report and my ID card has been sent requesting to have the information removed from my report. I am not able to get any information from them nor has this information been removed. I contacted XXXX again in XXXX and it has not been removed with all information that was sent to them but information is still reporting on XXXX. I need help with getting this information reported as to I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit report EQUIFAX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: M&T BANK CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I applied for a COVID 19 forebearance in XX/XX/XXXX due to losing my job because of Covid 19 and today I received a Debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my car loan payment wasnt received for XXXX and they are reporting this information to the credit bureau agencies. I received an email shortly after my application for forbearance that my request to not pay for 3 months was accepted but they are now still reporting this lack of payment to the credit bureau. I received the delinquency letter from them dated XX/XX/XXXX and When I just called them they said they called me and I didnt answer the phone so they are not accepting my forebearance request. This bank is not following federal guidelines due to the Covid 19 crisis mandates. Please contact XXXX XXXX XXXX XXXX to ask them why they are not abiding by Federal rules.

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute request to Transunion over 30 days ago and instead of receiving investigation results, I received simply just a credit report with a report number ( Report # XXXX ) as a stall tactic from Transunion. 
According to the Fair Credit Reporting Act that is a direct violation of my rights as a consumer and I want the negative items on my report investigated and removed from my Transunion report 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 2018-04-27
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included XXXX, XXXX, and Transunion. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to XXXX and Transunion ... .both initially declined my request citing evidence was inadequate. I finally received a report from XXXX after complaining to the agency in California ... but received nothing from Transunion. I then called Transunion and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from XXXX, XXXX, and Transunion. My main complaint concern is with XXXX as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with XXXX which was supposed to be completed by XX/XX/XXXX. After checking with XXXX no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.

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 2021-04-12
Company: Leap Credit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I began getting payment reminders for a loan for which I never applied, on XX/XX/XXXX. According to Leap Credit I have a loan with them dated XX/XX/XXXX, for {$600.00} at an interest rate of XXXX percent, with total finance charges of {$1500.00}, for total payments amounting to {$2100.00}. I suspect this came about around an identity theft we suffered in fall of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we got approved for a trial modification in XX/XX/XXXX for XXXX -XXXX- & XXXX XXXX we made all 3 payments by XXXX XXXX   and they kept XXXX payment in the unapplied funds never applied to our last trial payment so there for they said we defaulted! then we were told it will be fixed and we will resume with our modification! they lied XXXX XXXX payment was just applied on XX/XX/XXXX to our old amount! now they want to foreclose on us! they committed fraud and lied to us! help please

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 2017-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.

Company response to consumer: Closed with explanation