BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
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: Account status incorrect

Complaint:
I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am being charged overdraft fees ( NSF ) when my checking account is still in the positive. 

On multi days in XXXX of XXXX. 

On XXXX XXXX, XXXX, XXXX. 

Each time my account goes less than {$38.00}, BBVA Compass applied a NSF Fee of {$38.00} making my account negative then they charge additional NSF fees for all other transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
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:
For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and equifax everytime the dispute results come back verified. Either company investigated my dispute for XXXX auto Finance or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX XXXX about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Real Time Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am dealing with a company called Loan Care LLC. Based out of Virginia. 

I decide to take advantage of the low-interest rates. Decided to re-finance, I requested the PMI be dropped during the re-fi process. Due to my home being way over the 20 % value required to not carry PMI. I was denied. ( XX/XX/XXXX via email ) Response from loan care loan processer XXXX XXXX ( XX/XX/XXXX ) : The only way to not have PMI is to refinance out of the FHA and into a conventional loan. As long as you are doing a new FHA loan, you will PMI again. Concerning the appraisal, I can approach management on that, but no guaranty that it will be reimbursed as we had no knowledge your home was manufactured home when it was ordered and because as I mentioned in prior emails, they dropped the rate on the new loan for you to match the prior file. The Rates on the FHA Streamline would have been over 4.0 % and Im sure they will do much more, but I will try I owed about XXXX k then my house appraised for XXXX k.. 

After Refinancing was finished XX/XX/XXXX. It didn't make sense that I had to pay PMI. 

So, I mailed in a request to drop PMI. My home had gone up in value current market value is {$250000.00}. Sent XX/XX/XXXX to Loan Care XXXX box XXXX Virginia XXXX, VA XXXX. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX. USPS.was received. 

I called a few days later to ask if they received my request in writing. They stated it had been uploaded into their system. This included the letter and the signed appraisal. 

They denied my request, when speaking to a rep. they said it was due to my loan being an FHA loan, they stated I had to pay PMI for the life of the loan. til XXXX payoff my loan. They also sent a letter stating they denied my request. I am now reaching out for your assistance. 

I have reached out to loan care XX/XX/XXXX and emailed them explaining why this complaint was sent as well as informing them of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/XXXX, to provide technical corrections and clarification. The HPA addresses homeowners difficulties in canceling private mortgage insurance ( PMI ) coverage. It establishes provisions for canceling and terminating PMI, sets disclosure and notification requirements, and requires the return of unearned premiums. 

Thank you, XXXX XXXX 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 explanation
Consumer complaint received 2018-01-10
Company: Real Time Group, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRUIST FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To SUNTRUST XXXX on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my [ XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give you written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with SUNTRUST XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SUNTRUST XXXX for review or collection., under the FCRA XXXX Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C . 1681n ( a ).

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 2017-12-27
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, Experian & XXXX.

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed.

Company & Inquiry date 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX  XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX 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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2017-10-30
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to  be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Im filing a dispute with XXXX XXXX  which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting 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 non-monetary relief
Consumer complaint received 2022-01-09
Company: LendingPoint Holdings LLC
State: TX
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:
I sent Lendingpoint LLC a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lendingpoint LLC has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card, wallet and phone were stolen back in XX/XX/XXXX. The card was fraudulent used on XX/XX/XXXX for charges which were {$1800.00} with XXXX  and {$320.00} with XXXX XXXX XXXX These charges were not made by me, authorized by me nor anyone I know. I have informed Wells Fargo and also informed them that they have no proof that I made the charge because there is none. They have added the charges back on my account illegally and telling me Im obligated to pay. I didnt make the charges and informed them in time about the card being stolen. Per fraud act Im not liable and have informed them that. They are illegally still putting the charges on my account. I need assistance getting this removed and corrected because as of now dealing with corporate bullying. We have seen the documentary and reports about the illegal practices that they have committed and still do.

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 2022-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Im filing a dispute with XXXX financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting 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