BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a notice from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX stating that I should send them {$310.00} that I owe to XXXX XXXX XXXX for services they performed for me on XX/XX/2021. 

Knowing that I have been always covered by insurance, I checked my records and I saw that XXXX XXXX XXXX billed my insurance and got paid by them on XX/XX/2021. My portion for this bill was XXXX, which I paid with a credit card and I have the receipt for this as well. 

I believe Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX is trying to scam me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original letter from XXXX XXXX XXXX , XXXX. 
Alleged date of violation : XX/XX/18 Alleged balance due : {$160.00} Letter from Transworld Systems , Inc. ( " Company '' ) : XX/XX/18 Company has taken on debts from the City of XXXX XXXX as a loophole to circumnavigate Louisiana State Law in collecting Red Light Camera civil fines. As part of an ongoing class action lawsuit, I wish not to be contacted or harassed by a company which is not affiliated with the City of XXXX XXXX or XXXX XXXX XXXX Parish for collection of a debt that is currently in litigation. Future letters or calls with consequences of reporting to a credit bureau will result in further complaints to CFPB and/or included as part of the above litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called this company several times trying to dispute this debt they said I owed even tried to get my insurance to pay off something I had no clue about I asked them to provide me proof that this is me and still can't get a reasonable response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX  XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.

2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Have a car financed through westlake financial that become due on XXXX XXXX from that date I received seven phone calls from then to XXXX none of which left a voicemail any time. Never been late on a payment in almost XXXX years and when I asked why I got 7 phone calls that were only few hours apart the person I spoke to claimed there was no way got called that many times basically calling me a liar. Not sure if there is no communication within this company but XXXX phone call a day is plenty specially if dont leave message to why you are calling

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Keybank pre-approved me for an {$80000.00} mortgage based on my income. Their broker made it sound like this was a done deal. They did not disclose all of the requirements at the beginning of the process.

Then they began giving me the runaround on approval, in relation to requirements that, had they been disclosed in the beginning, would have deterred me from choosing this lender. This went on for several weeks, during which, instead of giving me all of the information, they doled out one new request at a time. This eventually ended with them insisting my husband had to cosign for the loan, and we had to start all over.

Then they gave us both the runaround for a few more weeks, including demanding that we explain to them where Keybank 's own inquiries into my credit for the previous mortgage application that the bank abandoned came from.

In the end, they denied the loan, leaving both my credit and my husband 's credit damaged by their multiple inquiries, the seller whose property we were planning to buy doubtful that we'll be able to make the purchase, and our landlord with renters who have no lease but can't move out.

Upon putting us in this position, Keybank 's broker finally admitted to us that another option he had actively discouraged us from using, OHFA, would have been better for us all along, but he didn't want us using that option because it's not through Keybank and they wouldn't make any money from it.

This lender acted dishonestly to prevent a potentially profitable client from getting better service elsewhere, and damaged our credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX Circuit Court, Sept 2004.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    XXXX  -  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   -  XXXX ,   XXXX   XXXX   -  XXXX   XXXX / XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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 2022-07-17
Company: Experian Information Solutions Inc.
State: NJ
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-17
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: Account status incorrect

Complaint:
Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  XXXXrom my XXXX and Equifax credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and Equifax to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX   LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. 
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 

This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX  AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
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:
" " '' I have disputed this collection on thisXXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Account status incorrect

Complaint:
On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At the time I was living at : XXXX XXXX  XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. I will include my account number with XXXX  XXXX on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX Executive office Wells Fargo, advised that my property was not in foreclosure but that Wells Fargo hired an attorney. Despite the fact that since XX/XX/XXXX, when the loan mature, I submitted an application for financial assistance ( loan modification ), due to the fact that Wells Fargo was demanding a full payment of {$55000.00}, I received a payoff statement from Wells Fargo that reads as follows : " this is a foreclosure case and legal proceedings may continue ''. It is obvious that Wells Fargo provides false an misleading information, I was advised that while an application for loan modification is being process, foreclosure is on hold, and that after being denied I will have the right to an appeal. Wells Fargo is not consistent, basically lies to the customers. I am requesting for my complaint to be Escalated. I am requesting for my application for financial assistance to be Escalated and review by someone that doesn't practice DISCRIMINATION. I don't want my property to be foreclose. I have never refused to pay Wells Fargo. I have provided all documents requested by Wells Fargo. I paid taxes an insurance on the property. I deserve to be approved 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