BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I have sent letters to the three main credit bureaus XXXX, XXXX  and Experian. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.

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 2020-05-18
Company: Ernst, Ernst & Artmann, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt of {$460.00} acquired by this collection agency in XXXX/2019 was unknown to us but showed on our credit report when refinancing. While trying to resolve the issue the collection agency still is not returning phone calls or answering calls. A letter is said to be mailed but returned to them. We receive our mail fine. We have received 0 paperwork. When calling we have been given an extension to enter for a specific person. This person has returned our calls 0 times with us leaving numerous messages. We did receive a call back from another company who could not help us but did offer to send information through the mail again. We continue to call months into this with him not answering or calling back. We have called 7 times in the last 3 work days with 0 response. Today we contacted another customer service representative who told us of the letter being returned to them and gave and email address. We have emailed and are still waiting for any correspondence or further information. We would not know of this debt if not refinancing. Now that we are, the inability to get more information or even communication we are very frustrated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: COLLECTION SERVICES OF ATHENS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The CSA/XXXX XXXX debt of {$190.00} has been paid. The debt still shows as unpaid and is being reported to credit bureaus.

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 2017-08-06
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my account in XXXX XXXX to National Credit Audit in XXXX of XXXX. I call to ask when my information would be updated. The person became rude and adjitated that I contacted them and told me because I did a settlement it takes a long time to update and is up to the credit agency 's to update my information. I have called and e-mailed for updates and no response. Account name under XXXX XXXX. My new name is 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 2023-02-08
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 submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TMX Finance LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I logged onto their site to see that the payoff amount is {$280.00}. I've made payments every two weeks since XX/XX/2021 of {$57.00}. However, I received an email stating that my balance was " past due '' and that they are taking out another {$57.00} on XX/XX/XXXX. I found that strange so I logged in and it states that, despite having already paid {$280.00} so far, I somehow owe {$210.00}. I have no idea where this continued charge is coming from as they actually owe me at this point. The pay-off amount clearly states {$280.00}. They're also currently closed and that is the only way I can have my account information removed from their system. It seems that they wish to continually charge me indefinitely and they have no means to change or remove bank account information online, only via phone. it seems extremely unethical and just plain bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX the XXXX at XXXX XXXX XXXX had an appointment at PNC bank to try to refinance his house at XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX They told him ( us ) we had to pay {$31.00} for them to run a credit check on Mr XXXX ... We paid {$31.00} for the credit check, ,After being on the phone with XXXX XXXX of PNC loan officer.. He told Mr XXXX XXXX he had to pay {$500.00} for an appraiser to come out and appraise the property ..All we want to know if that is right or is it by law ... Mr XXXX do not have the money to pay that {$500.00} ... XXXX XXXX mortgage loan officer said to the daughter let your daddy borrow the money from you, or get it from your stimulus check ... .And I told him I have not got mine yet he said it is coming ... .... All we want to know is all of this legal and right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper assigned a loan specialist for me during my forbearance period. The phone lines don't allow you to enter an extension ( the letter assigning her had an extension ), faxes I sent and messages left for her all went unanswered. In XXXX, I was told if I made some payments during the forbearance period the " investor '' would reconsider my modification application. Three times it was confirmed that I had an application for modification to add the balance owed from the forbearance pending. Finally, today the lady I spoke with said " you were never eligible for a modification once they denied you in XXXX '' and the reason your application shows pending and then does not show up at all is that it is automatically declined without further notification. I was never sent a letter despite the application showing as pending and advising I would hear back within 30 days. I made up 6 months of payments during the past 4 months and paid monthly payments in reliance upon this. With Mr. Coooper, if you press 1 for COVID assistance you are automatically disconnected. I tried on 20 occasions. I spoke to someone at Mr. Coooper who acknowledged it and said, " you figured out to press 2 ''! This company has no intention of assisting people after their forbearance period. I have documented all calls and experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. On XX/XX/2020, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXXXXXX XXXX XXXX  information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for two months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX has refused to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Finance of America Holdings LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Finance America Reverse to refinance my reverse mortgage. 
I was ask what is the fair market value of my home. I estimated {$290000.00} based on similar homes in my neighborhood. I completed an application based on {$290000.00}. I was told IF the appraisal came in at {$290000.00} It should be approved and I should be able to receive {$28000.00}. ( This would help me pay Taxes, Ins, & HOA fees-and remain in my home for years OR until COVID19 gets me ). The appraisal came in at {$230000.00}. My home value was based on Comparisons to homes in other neighborhoods in XXXX XXXX where homes sell for ~ {$50000.00} less. NOT XXXX XXXX XXXX XXXX. Finance America Reverse ask the appraiser to consider comparisons in XXXX XXXX. The Appraiser said none were appropriate due to old sales dates, Square ft differences, & other differences. This is wrong. Several similar home sales in XXXX were for homes in XXXX XXXX for over {$300000.00}. There are about 100 homes in XXXX XXXX. Two are identical to mine. One ( with a pool ) sold for {$320000.00} in XXXX and the other is estimated at {$280000.00} online. Home values in XXXX XXXX are increasing $ XXXX to $ XXXX per year. My appraisal was {$50000.00} to {$60000.00} LOW. Florida Regulators of appraisers allow complaints for standards or independence violations only NOT for doing a bad job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: LEXISNEXIS
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:
File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to Jefferson Capital Systems. In my request, I disputed the unverified data and requested proof of debt. It is now XX/XX/2021 and the unverified debt remains on my XXXX  and XXXX  Report. In my request for removal- the debt agency claimed the debts have not been reported. The attachment has been supplied. However, the item remains on both described reports for - {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020, I submitted a complaint against the credit bureaus for allowing XXXX XXXX to report a trade line on my credit reports without providing full validation. The results of the dispute came back as 'verified and accurate '. Thus, I called XXXX and asked them to provide me the documents used to validate this debt. I was told that my records didn't exist and that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. Thus, on XX/XX/2020, I submitted a CFPB complaint against XXXX XXXX XXXX XXXX XXXX ( Company 's response attached. ) Furthermore, another company, XXXX, XXXX, has also contacted me about collection of this debt. In sum, XXXX is using it's in house collection company, XXXX XXXX XXXX, to report the debt on my credit reports, however, they are using several other companies to collect the debt. Neither of the companies have been able to provide me with full accounting and proof of contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Account status incorrect

Complaint:
XXXX XXXX is reporting my account closed as of XX/XX/2019 when it is not closed it is PAID OFF as of XX/XX/2019, this caused a 69 score point decrease on my Equifax credit file/ report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions 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:
In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # s XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.

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 2020-10-15
Company: EQUIFAX, INC.
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 have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX  and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, Equifax, XXXX  and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation. 


XXXX, Equifax and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

XXXX, Equifax and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Commonwealth Financial is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Commonwealth Financial is indicating that the account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized
Commonwealth Financial as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Commonwealth Financial } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Commonwealth Financial, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of penur ( under the laws of the XXXX XXXX, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. 

Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation