BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was told by my lender, Loan Depot, that I was approved for Loan Mitigation and I would be receiving a statement with a lower payment. 
About a week later I received a letter form loan Depot denying my mitigation due to not being with them for 12 months. 
I then contacted XXXX XXXX from XXXX XXXX XXXX, filled out there papers on line and sent them {$1000.00} on XX/XX/XXXX to fix this problem. I continued to get calls from Loan Depot and they heard nothing from XXXX. I realized it was a scam and did not pay them further. 
I called Loan Depot and explained what happened and we trued loan mitigation again. They would not accept any payments from me unless they were to pay the past due in full which was already {$7000.00}. 
I again was denied mitigated payment due to not being with Loan Depot for 12 months. 
I began a new process with XXXX XXXX XXXX XXXX her in Indiana. They have been tryin to help for over a year. 
I received a call about a month ago from the VA guarantor and they advised me they can not get any response from XXXX/Loan Depot concerning my loan. They have agreed to waive the 12 month requirement, but XXXX/Loan Depot will not respond the the VA. I was told by XXXX, that this is an ongoing problem with XXXX/Loan Depot. 
Now my house is going to Sheriff sale XX/XX/XXXX and I will have to file Bankruptcy. I do not believe that I have been treated fairly or justly from Loan Depot/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After battling through XXXX XXXX  XXXX and XXXX I called my insurance company to see if all treatment and costs are fully covered, they assured me insurance covered absolutely everything since I'm on XXXX Medicare & Medicaid that I'd owe nothing. A month after my XXXX treatment ended I received a letter from Focus Financial Services saying that I owed hundreds of dollars. Please be advised I never received a bill from the hospital even though I have Informed Delivery from USPS. Last year in XXXX I called Focus Financial Services and informed them it was an error, since I got off the phone with XXXX and they paid all my bills and there is no outstanding balance. Almost a year later Focus Financial Services send me another bill for hundreds of dollars and called me on Wednesday XX/XX/XXXX at XXXX XXXX. I called them Thursday XX/XX/XXXX to dispute charges they said I'm responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have spoken with Kohls department store on several occasions, each time I talk to them they try to get me to set up a large amount that I can not pay due to my illness right now. I did explain to them about my illness, but they still offer me very large payments, Yes I do owe them but I am doing my best to pay what I can pay, my work is very slow right now due to my illness, I am doing my best to try to pay them what I owe them, Slow payments I'm making. I know they want their money and I want to pay them but I can't when I can't work. 
My main concern is they call me on Sundays while I'm at church, I don't care if they call doing week days but not on Sundays while I'm at church, It is very annoying the phone ringing while at church. I want them to stop calling me on Sundays. They call all doing the week days, Creditors should not have to have to call you on Sundays. I am doing my best to pay them, Some weeks I make no money for the pass weeks, I have not made any money so I can't pay them. I pay them when I can make some money. Due to my illness I can't work every day some weeks no work at all, When I do see a way to pay them I do try to pay. I am not working full time and most weeks no work but I try my best to pay something. I know I owe them but it is annoying on Sundays, we had two funerals and they call while at the funeral. Just need to stop calling on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

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 2019-11-12
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past two years I have been treated unfairly by a debt collection company named Lockhart, Morris and Montgomery. Initial contact started in XX/XX/XXXX for an account that was closed out back in XX/XX/XXXX. I explained to the company that it would take time to find the documentation showing I cancelled before the 10 day grace period listed in my contract. I did ask for the original creditor 's information because I tried reaching out via email to the person who contacted me via email with the contract, as I replied to their email to cancel back in XX/XX/XXXX, fast forward to XX/XX/XXXX that email address is not working, the debt collector would not give me any contact information. So when I produced the documentation showing I cancelled in XX/XX/XXXX ( and received a reply from the company acknowledging receipt ) a male representative at LMM ( would not give his name ) told me that I did not provide the right type of cancellation (? ) and he still considered the debt valid and would not removed it from my credit report. In addition, I was told by LMM that they have the right to pursue the debt regardless of any cancellation proof I produce. I questioned LMM if I was delinquent, wouldn't the original creditor have posted the account on my credit report back in XX/XX/XXXX? There was never any filing of such an account. Then I said well if you are posting this account as a valid debt ( which it is not ) why did you reage the account to XX/XX/XXXX versus the original XX/XX/XXXX date? The male representative stated they are able to post as of the date they received and it's not consdiered reaging (? ) I have recently found the company, as it went out of business and now it's renamed ... ironically I found the company on the XXXX XXXX XXXX  's website and the company has issue with contract issuance, misrepresenting themselves as XXXX & other companies, as well as unfair billing practices. I emailed the company ( need everything in writing with these shady characters ) and I have yet to receive a response, the company has a 2 star rating on XXXX and a D+ rating on the XXXX  website most of the complaints are for being unethical. Please help, report a debt that does not exist is illegal, unfair and deceptive collection practices is illegal, reaging an account is illegal, not honoring a cancellation request and trying to collect on it 3 years later is illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: A.R.M. Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX  in XX/XX/2022 to check to see if they could fill my propane tank, as I moved into my house in XX/XX/2022 and it was empty just before XXXX day. They took all of my information and said someone would call me to setup a call but it may not be for a few weeks. I let them know I needed service within 1-2 days and they said someone would call me with emergency service departments. 

In the meantime, I found another company, XXXX XXXX who was able to come out the same evening as my call and filled my propane tank. 

A few months later, I began receiving calls and bills for propane service. I let them know we already had another company come out months before. I spoke to multiple supervisors and asked them to take me off their list. Then, I received this collection notice for a very high amount. My propane tank is XXXX gallons which is about {$700.00} to fill, no where near {$3700.00} despite the fact XXXX XXXX has never stepped foot on my property nor been engaged or contracted to fill. 

I believe they used my information gathered on the XX/XX/2022 call to create a fraudulent account. 

Propane was filled XX/XX/2022 by this vendor, who can be reached to confirm service : XXXX  XXXX XXXX ( Owner ) : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Website : XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAINE & WEINER COMPANY, INC.
State: OH
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 am a victim of identity theft there have been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. Please delete/remove the following unverified accounts : 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 2019-11-12
Company: EQUIFAX, INC.
State: WI
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 submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
my identity was stolen first they tried to get a loan from XXXX XXXX they denied it after they called me to verify my identity today i receive an email from bank of america saying that there is a new account was opened under my name and need to finish the setup so i called bank of America and closed it.

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 2022-12-04
Company: EQUIFAX, INC.
State: MI
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: F.H. Cann & Associates, Inc.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
F.H. Cann and Associates, representing XXXX, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to F.H. Cann. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding XXXX. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. F.H. Cann, XXXX XXXX XXXX and XXXX have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

F.H. Cann and Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXXXXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. 

I did not receive validation response from them as the letters were returned to me as undelivered. 

Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. 

I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. 

This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. 

Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. 

I request your support in the removal of the above inaccurate items that are listing on my XXXX  credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. 

They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. 

I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Kriya Capital, LLC
State: OH
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: ID
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 XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from XXXX XXXX multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.

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 2018-10-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have 2 closed cases in which the bank resolved the complaint then resubmitted the charges. On the second complaint they said they did an investigation which is a FLAT OUT LIE. I have written letters from XXXX that I did not make the purchases I am disputing. I also have a letter from XXXX that states that they did not contact them about my dispute. I have filled a complaint with the FBI internet fraud dept. I have contacted every senator that oversees the Banking system. I am filing a formal fraud case with my local police dept. I want both of these cases REOPENED and a FORMAL INVESAGATION as to how this bank can OUTRIGHT STEAL for consumers. I have all the paperwork in writing documenting my claims.

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