BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX
                                                                                       XXXX, XXXX


XXXX XXXX, General Counsel
General Law & Ethics
XXXX XXXX, Deputy General Counsel
Litigation & Oversight
XXXX XXXX, Deputy General Counsel

Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX. XXXX

Dear Friends : 

I hope you decided to join me and provide guidance in pursuing justice with respect to my local government XXXX County and XXXX XXXX XXXX. After losing my home in XX/XX/XXXX I am exhausted. 

Please allow me to share with the most recent evidence of poor governance and tax collector fraud by XXXX   County. Attached is a copy of the XXXX County Georgia Property Tax Assessment for a property that I owned from XX/XX/XXXX to XX/XX/XXXX. 


First, please note that home is appraised for XXXX   on the most recent XXXX  County Tax Bill forXX/XX/XXXX


First, the home continues to be appraised at XXXX
Second, the true market value was realized or evidenced at the sale of the closing statement for XXXX.

Historically, my XXXX  County Tax appeals were met with valuation increases the following year.

XXXX County doesn’t have a reliable tax assessment model. The Governor Of Georgia as advocated this as well and requested a freeze in tax billings.

The Congressional Tax plan will place many of the local tax authorities in crisis due to the limit on local property tax deduction to XXXX. When taxpayers realize this financial change, the local governments will enter a crisis due to heavy dependency on “Non Market” Property Tax Valuation. The Federal government has been subsidizing local tax authority property tax abuse by shielding the financial impact with a deduction. This has also supported unfavorable local government management. For example, XXXX County Tax revenues and budget expenses increased during the Great Recession of XX/XX/XXXX to XX/XX/XXXX. We market property valuations declined 30%.

Please join me in litigation against XXXX XXXX XXXX and XXXX County Tax Assessor for Property Tax Fraud Home Affordable Modification Program. I would like to recover over XXXX  in excessive property tax non-market assessments payments and damages from XX/XX/XXXX to XX/XX/XXXX. I understand that class action litigation may be more applicable.




Sincerely,


XXXX XXXX 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 2018-03-24
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Credit card 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 for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2023-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
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:
The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.

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
Consumer complaint received 2019-04-01
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/19 my direct deposit was due into card as of today it's not there. XXXXXXXX XXXXXXXX is literally holding my money from my from a mistake they've made!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX I receive a letter from Eqquifax with my incorrect address XXXX XXXX   XXXX XXXX, Ca,XXXX in which XXXX XXXX is closed and Equifax has my new mailing address on their data. 

Equifax is sharing my private information to Equifax in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is Equifax sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XXXX XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XXXX and XXXX in which XXXX has deleted the derogatory remarks on XXXX XXXX. 
XXXX and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XXXX and US Military Veteran and my XXXX XXXX. 
XXXX, Equifax, XXXX and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX  and a US XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Commonwealth Financial Systems, Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from Wells Fargo stating that I had a shortage of {$1600.00} in my escrow account.

This shortage caused my mortgage payment to go from {$960.00} ( which I was paying on-time since purchasing the home ) to {$1200.00}.

This is a {$240.00} difference.

When purchasing my home I made sure that I chose the loan amount based on what I was able to afford as a monthly payment. My budget was based on a payment under 1k a month. This overage is over that budgeted amount.

When I called Wells Fargo they told me that I might be able to lower this amount if I filed for Homestead Exception. Which I did on XX/XX/XXXX ). The county advised that this exception will not take place until XX/XX/XXXX.

This still leaves me with 9 months of a higher mortgage payment.

I'm wondering if this is all accurate, if this can be done without any warning or explanation other than " you now owe this amount '' by Wells Fargo.

At this time I'm not scared of losing my home, but I am having to allocate bills differently and use Credit Cards to pay for items which is causing me to be more in debt. I would prefer for this not to happen.

I'm currently just trying to find answers and hope that my mortgage payment does lessen come XX/XX/XXXXand reflect a dollar amount closer to what I had originally agreed upon.

Any help would be appreciated.

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
Consumer complaint received 2019-08-20
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from advanced 24/7 in XX/XX/2017. I am a disabled individual that lives on a fixed income. I did not realize that getting this loan was going to put me into a viscous cycle of having to borrow from this loan to make ends meet because the payment on the loan was extremely high. Especially seeing as I make only a little over $XXXX a month. The percentage rate for the APR on the loan is ridiculous at 279.5%. I am not able to pay the $XXXX that they are asking per month and buy groceries, my medication, toiletries, etc that are needed for me to live my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Fairway Independent Mortgage Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought a house on XX/XX/19 with a 1st mortgage through Fairway Independent Mortgage company and 2nd mortgage with a XXXX  XXXX XXXX first time homebuyer grant about $ XXXX. ( Fairway Mortgage Co. arranged for this grant ) I am trying to refinance my mortgage and know that by doing so I need to payback the grant. As there is a 2nd lien on the house for this grant amount, the new lender needs a payoff statement from Fairway mortgage as to the amount and where to make the payment to pay it off. I have talked to the XXXX  XXXX XXXX who has told me I need to get this information from Fairway Mortgage since they have not sold the loan. I have asked Fairway where I can send a payment to pay this off and can not get an answer. 

I have been trying numerous times via email and phone to get this payoff information, but have been told by Fairway that either they don't know how I can pay it off or that I need to go through the XXXX   XXXX XXXX. 

I am stuck and do not know where else to turn at this point. 

Thank you for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have be using Coinbase and XXXX for cryptocurrency Investments, however on XX/XX/XXXX my account got " disabled '' for an unknown reason, I have tried contacting support multiple times since then but still have not gotten an answer or a solution. I have access to my coinbase account, however my money is all kept on XXXX   which is owned by coinbase, when I try to log in it tells me that I need to contact support, but I get no answer from them. The account has over 8000 dollars in it and also some cryptocurrency of a value of more than 1000 dollars. I need to be able to access my XXXX  or have all my assets in XXXX  transferred to coinbase for me to withdraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Debt Recovery Solutions, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: FC HoldCo LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE ORGINIAL DEBT WAS TO XXXX XXXX XXXX XXXX, THEY SOLD THE DEBT TO FLAGSHIP CREDIT ACCE. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A ZERO BALANCE.

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 2021-04-09
Company: Screening Reports Inc.
State: DE
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 company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( Equifax, XXXX, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits.

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NC
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:
my information was stolen during a data breach and used to open fraudulent accounts and gain medical services in the amounts of XXXX that are causing me to be harassed by collections company 's and is effecting my credit. i have attached a copy of my id and bill to show i am who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I did not complete the process to obtain a Capital One Bank USA credit card on XX/XX/2019 and had recieved a message stating the application would be cancelled and would not be processed because they needed more information, which I never provided. It shows up as a hard inquiry on my credit report even though I was told the application would be cancelled and never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We sold a car XXXX XXXX back to Carmax. They offered close to what was due on the loan, XXXX XXXX paid the difference ( under {$10.00} ). 
There was a XXXX remainder refund. 
We were told by Carmax corporate that the XXXX  location of carmax released the money to XXXX XXXX XXXX. 
They sent a check then stopped payment saying it was the wrong lienholder. 
the car was refinance through XXXX  XXXX XXXX, but we were told it stayed with original lienholder. XXXX  XXXX XXXX is researching but we believe its XXXX XXXX who has the money. 
please contact XXXX XXXX auto fiance and carmax to find out who has our refund. 
if they continue to sit on it we want interest or additional money added to my husband XXXX XXXX XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical services were pre-approved by my insurer XXXX, it was covered under my group health plan. XXXX paid said claim. Central States, the collection company is repoting false and incorrect information. 
Claim was paid, debt now owed. 
Their claim of when account was opened is impossible as I the services were rendered in XX/XX/XXXX and I did not have XXXX insurance in XX/XX/XXXX nor work for the same employer. 
I have contacted Central States and they refuse to accept documentation from the insurance company, EOB or any other documentation to prove it is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE ORGINIAL DEBT WAS TO CAR FINANCE CAPITAL L, THEY SOLD THE DEBT TO XXXX XXXX XXXX. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A XXXX BALANCE.

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 2022-08-10
Company: EQUIFAX, INC.
State: NC
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:
In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company XXXX XXXX has called multiple times and threatened to serve me with court papers. They also threatened to take me to jail. I have been receiving calls and voicemails since XX/XX/2018. I reached out to the company and they stated they can not work with me on a payment plan to help reduce the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls and text messages from XXXX. They do not leave a message, but text message says it was XXXX XXXX  about collecting debt for an account with XXXX XXXX. I have never shopped there and don't wear glasses. I've gotten approximately 15 calls from them in the past week. I think someone must have given them my number or that they have my number by mistake.

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