BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a compliant against Credit Corp Solutions Inc with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that Credit Corp Solutions Inc ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate Credit Corp Solutions Inc. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 
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 improper reporting of information to the credit bureaus regarding my credit history, actual defamation 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. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it

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 2018-04-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I also received a call from a representative at the agency and I advised that the debt was not mine that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have attached a copy of my ID Theft report and letter that was sent to AFNI certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
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:
Evergreen Professional Recoveries : XXXX I have paid this debt quite some time ago and no longer owe this debt. It wasnt until I pulled a new credit report until I found out that they are still reporting this collection and as having a balance owed on it.

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 2018-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX XXXX, Capital One and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on or about XX/XX/17 this credit card was opened in my name Fraudulently in my name. I spoke with this company on several occasions with no avail to take care of this collection charge off debt in the amount of {$500.00}, I preferred to work with this company directly in resolving this matter but due to lack of response I have no choice but to sue my final attempt per my attorney under FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XX/XX/2020 I have been working on my credit, I checked it 2 days ago it was at a XXXX I checked it today a d it had dropped 19 points with EXPERIAN! Checked my report and thing had changed ... Can someone pls help 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 2020-06-27
Company: American First Finance, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
American First Financial was to put me into a holding of the loan or repayment plan, because I started to experience lack of work due to covid-19 early on. Instead they closed off loan and today refused to give me a chance to settle debt. the representative would not even discuss account with me. I told him no collections agency was assign WHY can't I settle it. They added close to {$700.00} in fees I believe. I can't even get a fair print out for account activity. He told me to pay off a large balance somewhere between XXXX ( reported on my credit report ) to XXXX ( by  representative ) I believe. I made my payment regularly until this happen. My whole loan was paid except a small portion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/18 I am writing to get help about Carrington Mortgage company sending threatening letters of foreclosure when I have all of my receipts. My attorney has called and we spoke to them on conference. Yet they are still sending threatening letters of foreclosure. I am writing to you to contact them to resolve this issue as I am going to speak with a judge to assist. They have breached their contract and this must stop today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion is reporting a late payment in XXXX of 2019. After disputing this, which was never late, Transunion stated that this information was verified by XXXX XXXX. However, XXXX XXXX verified to XXXX, which is attached, that I was NEVER late on payments to this account. A copy of this report is attached. I am very concerned that Transunion is continuing to report falsified verified information which is hindering and hurting my ability to acquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. 

In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. 

After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. 


Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experts Urge Rapid Patching of 'Struts  ' Bug In XX/XX/2017, Equifax disclosed that a failure to patch one of its Internet servers against a pervasive software flaw in a Web component known as XXXX XXXX led to a breach that exposed personal data on 147 million Americans. 

I have been trying to repair my credit from information that was obtained on the dark web somehow. 

After disputing several items with this credit reporting agency as " fraudulent '' with an active fraud alert on my account, this company did not perform its due diligence in protecting me as the consumer leaving all the burden of proof on me against these companies who were accusing me of the fraudulent activity. 

After years of trying to get proof that I am indeed a fraud victim, and who knows at which point and for how long, and now I have that proof to include Equifax and their lack of properly validating debts after their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a compliant against DIVERSIFIED CONSULTANTS INC # XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that DIVERSIFIED CONSULTANTS INC ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate DIVERSIFIED CONSULTANTS INC. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 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 improper reporting of information to the credit bureaus regarding my credit history, actual defamation 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. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Paypal had a failure in thier software and sent my money to the wrong recipient {$130.00} on XX/XX/31 was sent to the incorrect XXXX XXXX even though I selected the correct contact that is saved in my Paypal contacts. The XXXX XXXX who received this payment isnt someone I know and I have never sent money to the email address attached to the account it went to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received numerous and repeated calls from National Credit Adjusters attempting to collect a debt. I have repeatedly asked for proof and verification of this debt and have been refused, I was told " we can't do that ''. I informed the callers multiple times that this is illegal and I would be filing a complaint. I have been the victim of identity theft, case number XXXX, I informed the callers of this also, this item is on my credit report and I want it removed for failure to provide the information I requested on numerous occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.

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 2020-10-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity  theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: PA
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:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account

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 2018-12-10
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone at my old address of 5 years ago committed identity theft and opened a XXXX XXXX under my name. I filed a report at identitytheft.gov and sent the report to all three credit bureaus. The others bureaus deleted the fraud but experian refuses to honor it as it remains on my credit via experian only.

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