BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: IL
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 disputed and credit bureaus will not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I notified my loan company, Loan Care, about a decrease in my property taxes, which would save me considerable money on the escrow portion of my monthly payment. I contacted customer service with this request on XX/XX/XXXX. The representative I spoke with let me know that the escrow department would review my request and follow up with me within a week. Today, XX/XX/XXXX ( a week later ), I contacted Loan Care again because I had not received any follow up. The representative I spoke with informed me that Loan Care declined to adjust my payment because " they had not found any significant change in my taxes. '' I informed the representative that this was incorrect and she provided me with an email address to which I could send my complaint with documentation from the county, and explained to me that I would have to start ALL OVER by providing all information over again, in a brand new request. This is beyond frustrating and has a significant financial impact on my cost of living ( about {$400.00} a month! ). 

I also asked if it was possible to get my escrow account removed, so that I could pay my own tax bills. We have a XXXX XXXX and I understand that escrow is NOT required. The representative recommended I submit a separate request to the customer service email and informed me that there was no specific criteria for removing the escrow account and " sometimes they don't do it. '' This is troubling, because it is unclear to me, as a customer, what I need to demonstrate and what the criteria is to be able to pay my own bills ... rather than pay this third party company what amounts to an additional {$2000.00} a year to pay my bills for me. 

I am significantly concerned that the company failed to follow up the first time, conducted an erroneous analysis, that they will neglect to follow up on my current request, and that there is no transparency in the process around closing an escrow account. I am perfectly capable of paying my own bills.

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 2021-05-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: XOOM CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 under transaction number XXXX I sent {$80.00} dollars trough Xoom at a XXXX bank account for help some relatives to buy medical supplies during Covid 19 situation. Xoom usually set the transfer in half hour, after two days I communicate with them by email, they answered that will give me more information about my money, today is XX/XX/2020 and xoom still doesnt resolve this simple situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: PHH Mortgage Services Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is PHH mortgage there address is XXXX XXXX XXXX XXXX, NJ,XXXX.My payment have went through my bank and cleared yet they have no record of this for my XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and show no payment for XX/XX/XXXX. Now they want to foreclose on my home I have sent proof of checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Valentine and Kebartas, Inc.
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 AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Experian Information Solutions 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:
I submitted a complaint with Experian for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, experian is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

XXXX also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.

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 2021-05-26
Company: EQUIFAX, INC.
State: IL
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 XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice of a collection from Fair Collections & Outsourcing! By law I had 30 days from time of receiving to request the debt be validated. I responded with a debt verification letter sent certified mail to Fair Collections and Outsourcing. 

By law they are required to send me a validation notice or respond to my verification request. 

They have not done so but instead sent me a threatening letter stating the following ... 

" Your account has already been reported by our office or is scheduled by our office to be reported by our office to one or all of the following national credit reporting bureaus : XXXX  Credit Information services,  XXXX Credit Information Service or XXXX. '' I know for a fact this debt is not valid and my verification request has gone unanswered because they to know it is not valid. 

There refusal to to send a validation notice is a clear violation of the collection practices act.

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 2019-05-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My parents and I attempted to REFI my home with Wells Fargo to do a couple of things. We needed to pay off an existing HELOC on the property which is in my grandfathers name and to pay off some credit card and auto loan debt. Things were going fine from what we could tell. Then our mortgage processor contacted us requiring closure of all credit cards and confirmation of such. My parents closed all of their accounts as requested before I could stop them. Only AFTER the cards were closed did the processor contact them and say not to do it. Then Wells Fargo proceeded to back out of the loan. This has caused significant financial hardship for my parents. When we contacted Wells, they did an internal investigation and concluded that they did nothing wrong. But their actions have negatively affected my parents financial situation as well as their FICO scores. They are now refusing to work with us on resolving this issue

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 monetary relief
Consumer complaint received 2019-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Why would I submit a fraud or identity theft if they have not proved the information that it was my information that was used. How many people were born in 1976 and how many people named XXXX XXXX. I have told them to give me information that would prove to me that it was in fact that my identity was used. If they could do that then I can rightfully fill out an affidavit stating I did not authorize this. However, if I do the affidavit right now then I could be clearing someone else debt that actually may owe them by the name of XXXX XXXX. Please ask them to verify with more verifiable identification such as my social security number. On the affidavit they supplied to me this week, it is asking me for my social security number. I will not give them that information. If this is my debt they should already have it. Why are they refusing to supply it to me. I will not and should not be bullied into making a fraud report on someone if I do not if it is fraud on me without the proper verification. Look at that affidavit you are asking me for all my important information that you have EXPLAINED to me that you do not have. So why are you pushing this debt on me if you can not verify it is me. A birth year or birthdate and a name does not say it is me and I can not put fraud on this account without knowing if it was actually my information. Please remove this off of my account if you can not verify SOCIAL SECURITY NUMBER OR IDENTIFICATION. NOW IF YOU SUPPLY ME WITH THAT INFORMATION THEN I CAN NO LONGER ARGUE THAT ITS NOT FRAUD. IF YOU CAN VERIFY THAT INFORMATION THEN I WILL FILL OUT YOUR DISPUTE VERFICATIUONS TO THE FULLEST AND FOLLOW THE STEPS TO CORRECT THIS. HOWEVER, ONLY IF YOU CAN PROVE MY INFORMATION. SOMEONE OUT THERE OWES YOU AND YOU ARE WASTING TIME PURSUING THE WRONG PERSON,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: GA
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:
SEVERAL DISPUTES SENT WITH NO RESOLVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their  accounts and remarks are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Penn Credit Corporation
State: FL
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:
On XX/XX/2021, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX  XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I WAS THE VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED FTC REPORT AND LETTER TO FURNISHERS RE : CAPITAL ONE SPARK CARD THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan with EdFinancial services and have been planning on getting PSLF loan  forgiveness. When I consolidated my loan I told the lender that I was planning on this and I asked which plan would work. They put me on the Graduated Repayment plan. I just contacted my lender to verify that I have made 120 qualifying payments and they told me that the payment plan that I am on does not qualify. As a result I owe a large amount of money that I was expecting to have forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over the past year i have received multiple phones calls and letters from southern management systems. They reference a move out fee for an apartment I rented during college over 3 years ago. This particular move out/ cleaning fee was optionally paid during the beginning of my lease, namely the " express checkout fee '' option. I had paid this fee upon move in and thus they are not entitled to it again upon checkout. I have told them this over the phone multiple times to only receive a response of " mail us a copy of your lease proving that it has been paid ''. I certainly do not keep a copy of my lease of a college apartment from 3 years ago and after calling the apartment company they did not have a copy on file as they have changed electronic systems between this time period. I assume that during the change over it did not transfer that I had paid this " express checkout fee ''. After several more fairly aggressive conversations with representatives of southern management systems, where i am simply trying to explain the situation and get information about their claims, I made a statement that if it was necessary to take this to court I would be more than willing to. At which point the person I was speaking with stated that all further communication would have to be through mailed letters with their PO box . During this entire ordeal they never provided any evidence that the debt was legitimate, refused to communicate openly, and have threatened me with credit damage. If I do contact them by written letter I will be providing an attached invoice for my time they have wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
During the Covid lockdown Discover student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiriesand public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXXXXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several calls from this number : XXXX. Caller says the message is from a debt collector and gives this number to call back : XXXX. I have not talked to the caller and only know the message because a voice mail was left. I am not aware of any outstanding debt and I have not received any written communication from any company about money owed them. I think the call is a scam and hope you can handle it.

Company response to consumer: Closed with explanation