BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: Vengroff Williams, Inc
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A prepaid car rental reservation totalling XXXX  euros was made on XX/XX/XXXX via the Merchant 's website, XXXX. After the rental period, which was from XX/XX/XXXX -XX/XX/XXXX, a refund of XXXX euros was due as the total rental charges were only XXXX euros. At the time of the vehicle 's return, rental agents informed me that they were unauthorized to issue the refund being that it was a prepaid rental, therefore, a dispute/investigation was launched via XXXX XXXX ( the method of prepayment ) to obtain said refund. After four ( 4 ) disputes, XXXX XXXX  resolved the issue in my favor, as the Merchant purposely submitted erroneous invoices for the aforementioned disputes and was unable to substantiate its claims. Instead of issuing the refund of XXXX euros, the Merchant referred the matter to their internal collections department for non-payment and have engaged in a harassing dunning campaign for non-payment of a fictitious " debt '' by sending collections letters dated XX/XX/XXXX and XX/XX/XXXX The Merchant has been contacted on numerous occasions via email and telephone and has engaged in ghosting and does not respond to email or telephone inquiries. On XX/XX/XXXX, case # XXXX was opened up by the Merchant to internally investigate the matter, however the Merchant has failed to provide any outcome or resolution to said case and has failed to respond to numerous follow-up email inquiries. The most recent contact with the Merchant was via telephone ( XXXX ) XXXX onXX/XX/XXXX at XXXX in response to their latest collections letter dated XX/XX/XXXX.  After six ( 6 ) minutes with representative " XXXX '' during which the entire situation was explained, the representative put the call on hold and then hung up on the call. Three ( 3 ) callback attempts were made to reach the representative again. The expectation is that the Merchant immediately cease and desist this fraudulent dunning campaign. Failure to cease and desist will result in further legal action being taken against the Company ( XXXX XXXX XXXX ) and/or its representatives. On XX/XX/XXXX, the Merchant informed me that the falsified " debt '' had been removed from the account and that the account balance was XXXX and reinstated rental priviledges, however, the Merchant had already contacted third party collection agency, Vengroff Williams ( www.vwinc.com ) to pursue collection activities. Merchant stated they informed Vengroff Williams that the " debt '' was invalid and cleared, but has not provided documentation supporting this claim.

This complaint has also been filed with the Federal Trade Commission on XX/XX/XXXX, Case XXXX / XXXX XXXX XXXX / XXXX  Internal Investigation Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA loan was previously owned/serviced by XXXX, and has been sold to LoanCare. I am a XXXX years old, XXXX, female that has applied for a loan modification with XXXX ( of which I am quite concerned there may be unauthorized default rates and charges ), which did not transfer over, I then had to re-apply again for a loan modification with LoanCare. I have diligently supplied all my financial documentation along with all of my daughter 's ( non-borrower contributor ) financial information, however LoanCare has denied my modification application with no explanation, figures or breakdown. I believe they are deceptive, and cut many corners. I have attached their response to my application, where there is no reason stated for my denial. How do I know they have calculated our income and expenses property. I have an FHA loan, there are certain guidelines they must follow, ( which I have researched extensively ) there is no way to see if they have accurately processed the application, because they did not supply a figure breakdown. This is outrageous, I have owned this property since 2001 and am a senior citizen XXXX female. I do not  want to lose my home. I have done the calculations and I DO qualify. LoanCare has failed to provide accurate calculation of ineligibility. I believe they are acting in BAD FAITH and have IMPROPERLY denied my application for a loan modification.

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 2019-01-19
Company: WELLS FARGO & COMPANY
State: CA
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:
I noticed unauthorized activity in my checking account and my line of credit account on XX/XX/2019. I also discovered that account preferences had been changed without my knowledge, request or authorization. I have not had access to over {$1500.00} of deposits since XX/XX/2019. Wells Fargo admitted a glitch in their system and stated my funds are in limbo. This is affecting my commitments to my creditors. I have filed a police report with XXXX and a complaint wi OCC. Thank you in advance for your help and attention.

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 2018-02-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have a home equity loan with lender XXXX XXXX. The company closed doors and we contacted a lawyer to pursue this company and found out they closed doors and no longer in business. All payments were seized and never heard from XXXX and all correspondence stopped and on line account access locked. Statue of limitations were reached. And now to our surprise the loan was sold multiple times. And we have sent letters to each of these new debt collectors asking for proof of original copies of loan and terms and real time payment made to loan so we can see the real time date and amount and transaction payor id so we can determine the information is in deed accurate, true and just so we can identify if statue of limitations has been meet. No one can provide that info. the loan is know in the hands of Shellpoint who has numerous complaints of Racketeering and unfair debt collection practices for mortgage loans that have unfair subprime terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I learned that without my knowledge or any connection to me, these inquiries had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had issues with making online payment for a XXXX XXXX XXXX Credit card. They charged me for late payment while later it was discovered that they had issues with their online payment technology. They have accepted their mistake on the phone and sent me a letter. But the letter does not state that they have issues with their payment technology. Also, I applied for a new credit card with Chase but my credit card was rejected by chase and they had sent me a letter stating that they used my XXXX XXXX credit score to base their decision.

I checked my XXXX XXXX credit report online and the issue with late payment of XXXX is still reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. 
Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. 
I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. 
OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
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 sent three 609 dispute letters to each credit reporting agencies, XXXX XXXX XXXX  Experian, starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018, to verify and validate all accounts and collection accounts and inquiries, yet they fail to give the proper information stated under fcra law, example who verified name dates where the validation came from contracts with my signature on it, or any other documentation supporting these are my accounts. I sent each letter registered with returned signature, they did this up to 12 business days later, when I sent it 2 day mail. inquiries that were not verified and validated, lawyers requested these inquiries not under my authority. to my dismay, they sent back results in some cases over 30 days later which is against fcra law, anything over 30 days must be removed per fcra law. I listed on each letter to each reporting company dates names account numbers and all other important info, but yet would not give me any, documentation or other contracts with my signature on it. nor did they provide any information of who did the verification, or validation dates companys anything. under fcra they are supposed to provide all this, and nothing.i sent 1st letter to Experian on XX/XX/2018 and did not receive until XX/XX/2018, 2nd letter XX/XX/2018, and third XX/XX/2018, XXXX  1st on XX/XX/2018, 2nd XX/XX/2018, third XX/XX/2018, XXXX XXXX 1st XX/XX/2018, 2nd letter XX/XX/XXXX, third XX/XX/2018, now I have there signatures and returned info signed by them for proof, each letter contained accounts, inquiries and collections that needed to be validated and verified along with documentation to show my signature and or contracts nothing was provided on any.please if there is anything you can do, I would appreciate your help to get this straightened out. I am willing to take this to litigation and ask for damages and my time.i can provide each account and dates if wish, aprox. 6 or 7 items on each report with illegal inquiries not authorized by 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 2018-04-12
Company: CCB Credit Serivces, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I returned my XXXX XXXX XXXX to the XXXX XXXX in XXXX, FL at the conclusion of a 36-month lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected.

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from XXXX or XXXX XXXX. No invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " CCB Credit Services , Inc. '' for collections. Upon receiving this letter, I immediately called XXXX XXXX, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. OnXX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In early XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX Bank. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that XXXX XXXX severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX to resolve this matter in their time constraints, meanwhile XXXX XXXX already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and requested they report a line of credit ( {$500.00} ) to Transunion credit bureau XXXX They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to  make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact Transunion and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent? 
This complaint is in conjunction with a previously file complaint against the credit bureaus. 
Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home. 
A timely response to this ongoing issue is imperative to the concerns of my family and I. 
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 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if walmart approved me for a new credit card why are you reporting an old account, that XXXX agreed to remove once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft.

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 2018-06-07
Company: First Credit Services Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First Credit Services XXXX  This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: U.S. Auto Sales Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has been on my report for awhile and I have tried several times to get this removed. No action has been taken on my request for removal.

Company response to consumer: Closed with explanation