BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted 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 2020-01-28
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Submitted letter of student write loans right off, submitted current documentation from medical leave with notice of termination while on medical leave with proof of long term care and pending XXXX as well as submitted to the company that I didn't get to see my vehicle upon repossession as well as when I tried to turn in keys they told me didn't need my keys at the reposession place. While I am still pending SSDA/SSI from 2017 and it is stuck in appeals court they continue to not offer refiaancing and now it is affecting my credit. I have went above and beyond contacting them during my medical termoil and on XXXX XXXX XXXX XXXX have had family drive me across state just to get my possessions in the vehicle then they tell me that I can't fiancnce my car and i explained that I talked to original dealership and they would help me refiance the vehicle yet they refuse to budge.

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 2020-07-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage company deducted {$2600.00} for " Unscheduled Draws '' and and {$5.00} for " Interest on Unscheduled Draws '' on the Payoff Statement Created Date XXXX/XXXX/2020. No unscheduled draws were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). 
Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. 
There are lots of discrepancies on their website to reflect the balance and total. 

When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every week day for the past 2 week these people have been calling me every morning telling me they're collecting a debt for HRRG, but they call from a different phone number EVERYTIME and tell me to call this toll free number to get back to them. They won't tell me who the debt is for, they just state they need my credit info so they can take out what's owed but even then they won't tell me how much so I've stopped communicating with them. I reached out to everyone who I could possibly think of that might have submitted this debt and was told everything was fine. I just want these phone calls to stop.

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 2021-02-08
Company: General Motors Financial Company, 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:
GM FINANCIAL XXXX Opened XXXX. XXXX, 2017 Balance {$4100.00} As a consumer, I have rights that are granted to me to protect me from misinformation being submitted on my own credit report. At this time I wanted to set up a last demand for assessment before I talk with my lawyer for advice on how to deal with inaccurate and unverifiable items that are ongoing to be approved as genuine. You need to deliver me with a copy with the contract agreed upon or voice dialogue where I granted billing me from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo Home Mortgage informing me that my home mortgage loan was being transferred to XXXX XXXX XXXX. The email from WFHM claimed that it was a follow up email, even though I had NOT received any previous correspondence from WFHM that my mortgage loan was being transferred prior to XX/XX/XXXX, nor have I received any information about the transfer from either WFHM or from Specialized Loan Servicing since XX/XX/XXXX. As there has been no follow up info, I don't even know for certain if my loan was transferred to XXXX XXXX XXXX. My mortgage is due on the XXXX of each month, with a grace period up to the XXXX of each month. I went to pay my mortgage on WFHM website on XXXX, but they would not allow me to pay. I sent them an email and still have not received a response. I've contacted XXXX XXXX XXXX and have not received a response.This situation is absolutely ridiculous. I have received no info about the transfer of my mortgage loan and I am unable to make a payment. As has been demonstrated with multiple complaints against Wells Fargo Home Mortgage, I already am more than aware that they are a corrupt and dishonest company. Once more I have been forced to file a complaint because of their dishonesty and incompetence.

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 2020-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is ridiculous and inhumane PRA! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: National Credit Adjusters, LLC
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 reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$880.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am the victim of ID Theft and LexisNexis is reporting information that does not belongs to me such as addresses, last name, first name, phone numbers and accounts such as XXXX insurance and many more. I sent LexisNexis my police report and also a FTC ID Theft report a number of times and nothing seems to be done about the problems but LexisNexis is reporting false information to XXXX XXXX  and XXXX Credit bureaus such as bankruptcies, wrong addresses, wrong work history, wrong phone numbers and wrong accounts. This the 3rd time they investigated these items with no proof these are my accounts and nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: MO
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:
There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: NV
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 a 3rd request. These aren't my accounts. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Asset Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XXXX I emailed Ms. XXXX at ARS LLC along with a couple other people to obtain a statement for a private student loan debt ( XXXX XXXX ) sold to this company. Mind you, this company refuses to send statements to people even though this company was being paid through my debt consolidation company, XXXX XXXX and I thought one of the requirements of collecting a debt was to provide written statements. I notated in the email ( copy provided below ) that I called the company back in XX/XX/XXXX requesting a statement and one was not sent to me. XXXX XXXX from ARS LLC responded to me that he requested that a statement will be emailed to me ; however, the instructions of how to unlock the password protected statement was not sent in another email or even in the one that XXXX XXXX replied to me in. On XX/XX/XXXX, I emailed XXXX XXXX again to clarify the balance. I received a XXXX balance notice from my debt consolidation company stating that the balance was paid in full with ARS LLC. XXXX XXXX replied on XX/XX/XXXX at XXXX that my account was paid in full in XXXX this year, XXXX. I replied back to XXXX asking for a statement that my account was paid in full and did not receive a response back. I sent a follow up email on XX/XX/XXXX to XXXX and still have yet to receive a response. If my balance was satisfied in XX/XX/XXXX, why were they still cashing the {$50.00} monthly payments that were being sent by my debt consolidation company from XX/XX/XXXX to XX/XX/XXXX? Debt consolidation companies send each company their version of Power of Attorney to each company that includes their contact information and phone number. How come the company was not contacted that the balance was paid in full? Also, how come a company that is collecting a debt can not send people statements of their balance which I thought was required by law so that we know the debt they are claiming that they are collecting on is valid and consumers know their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a derogatory account with Transunion on XX/XX/2021. XXXX XXXX, a debt collector, put an account into collections illegally, and I made Transunion aware of this. I made a previous complaint to Consumer Finance which was # XXXX, back on XXXX. XXXX XXXX disavowed that it was their account, and then reported to Transunion that the account was accurate. I am including the XXXX XXXX response as an attachment. When I disputed this with Transunion on XXXX, I told them that this company, XXXX XXXX was lying and had answered the Consumer Finance complaint and disavowed their account. Transunion did not send me any follow up correspondence or reach out to me again. I called Transunion today, and they told me that XXXX XXXX answered the complaint and verified that the account is accurate!!! I want Transunion to remove this account immediately. They are the ones damaging me by not doing a proper investigation.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong 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