BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Nicholas Financial Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted my work asking for me by name and identified himself as a dept collector from XXXX XXXX XXXX XXXX in Collections to my fellow workers. His name is XXXX XXXX at XXXX This is a violation of the law. The call was made on XX/XX/2019

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!

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 2018-02-06
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my house for {$250000.00} and currently owe {$230000.00} on it. I realize that I do not have 80 % equity to remove the PMI, however I am confident that my house will appraise for {$330000.00} which will give me the 75 % equity that LoanCare requires in order to remove the PMI. On XX/XX/XXXX, I emailed the escrow department at LoanCare stating that my house recently appraised for {$330000.00}. I asked if I could submit that appraisal report or if I needed to order a reappraisal through them. I received an automatic response that they would get back to me within 5 business days and that my reference number is XXXX 

On XX/XX/XXXX, I called LoanCare because I did not receive any follow up within the 5 business days. Customer service rep # XXXX apologized for this and said that he would make sure that someone wrote me back by the EOD on XX/XX/XXXX.

As of the morning of XX/XX/XXXX I still have not received any correspondence so I called LoanCare again. This time they said that they guarantee a response by XX/XX/XXXX. The customer service rep said that I would receive a denial or acceptance to remove the PMI. I explained to her that I do not currently have 80 % equity in the house and would need a re-appraisal. She said that I would have to wait to get a denial letter and that would explain how to file the paperwork for an appraisal. 

I feel LoanCare is purposely making me wait 30 days before helping me remove PMI. In addition, I am upset that they never followed up within 5 days as their automatic email reply stated. Also, both customer service reps told me something different so what is the real policy?

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 2018-07-16
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2018 Experian added a collections account {$5200.00} to my credit profile. Fail to send a written notice of debt before adding it to my credit profile.

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 2018-02-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCI, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a cell phone on XXXX which arrived cracked. the seller refused to accept a return, so i opened a case with my credit card company XXXX XXXX XXXX, who put the transaction on hold with paypal. The seller agreed at that point to send the refund, so i sent back the phone, and XXXX has closed the case. paypal, however, refuses to return the funds to the seller ( who would then send it to me XXXX, since they claim that they haven't heard from XXXX that the dispute has been closed. i called both companies repeatedly, and XXXX repeatedly insists that the case is closed on their end, and it seems to be paypal which is holding the case back, as it's been stagnant for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: Collection Bureau of America Ltd.
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:
On XX/XX/2020, CBA Collection Bureau of America add a derogatory mark on my credit report peXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Collection Bureau of America has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: ASG Solutions LLC
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:
You, AGS Solutions, Inc must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, AGS Solutions, Inc are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to AGS Solutions , Inc to Cease and Desist 15 USC 1692c 805.  Communication in connection with debt collection. I have no paperwork or contract for business with AGS Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have emailed the CEO, XXXX XXXX yesterday and have attached my receipt from my probation office that the charge of {$420.00}, a charge that was on my XXXX  XXXX  Card/LVNV Funding LLC can be removed from my credit report that is in collections. That {$420.00} has been paid for through probation. That is in attempt to collect money from me. I have not received an answer yet but will like the collections removed, deleted, permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX tried to collect a debit in the amount of {$420.00} for a credit card and have reported the collection account to XXXX, XXXX, and XXXX. XXXX XXXX volutary surrendered its license in 2015 in the state of tennesse. I attempted to disputed this company on several occasions and they continue to attempt to collect this debt and I want them off of all of my credit reports asap as they are hurting my credit profile immensely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 requesting for Midland Credit Management to remove and delete this fraudulent account from all three major credit reporting agencies immediately or legal actions will be taken against your company. I have never had any type credit cards with XXXX XXXX XXXX. 
1. Midland Credit Management Account # XXXX I have attached a copy of my police report as well as FTC report stating for this fraudulent account to be removed immediately from XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: FIVE STAR MORTGAGE
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to the following credit Agency : Equifax They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXX was their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX for a medical debt reporting in XX/XX/XXXX.

I called the XXXX XXXX before submitted the original request through Equifax and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with Equifax and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with Equifax is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  report does not show item or address.

My XXXX  report does not show item or address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a credit card customer of Bank of America for approximately 26 years. Due to some financial difficulties that lowered my credit scores about 13 years ago my credit limit was reduced to {$900.00} and never has been raised again naturally by your company over the years that I have been a loyal customer. I have never used all of that credit at any time for such a small credit limit utilization would hurt my credit. I have paid off each monthly statement on time and actually paid ahead creating a credit balance because the limit was so small as to not cause negative impact to my credit. A few months back I requested an increase of {$600.00} in my credit limit and was denied, then as part of my business I added a few authorized users to my account which I was allowed ( I heard I was even allowed 10 ) and as a consequence my credit card was closed by Bank of America without ever contacting me as to whether I had initiated the aforementioned changes to the account. When I questioned why the account was closed I was told I had to apply for a new credit card. I followed through with the application process only to be denied. I have had no derogatory information or late payment with your company. This is negatively impacting my credit scores and average age of accounts and number of accounts. I am planning on a home purchase and was going to you Bank Of America. I feel you do now appreciate out long standing history together. Is this accurate? At the time the account was closed there was a credit balance that has not been returned. I also received customer surveys after the account closure for valued customers like me. I do not feel valued. I have also included Texas Exes terms of conditions attached along with other supporting documents. Also I included my new Bank of America credit card that was seemingly sent after my alleged account closure. How i this possible. I believe the board of directors would be interested in this as would the attorney general of Michigan and supporting government agencies local, state and federal.

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 2018-07-10
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is Experian, XXXX, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. Experian has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.

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 2019-09-25
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I have paid a settlement offer to Cardmemeber Services for my US Bank, Cardmemeber Services Account. I received a letter from the company advising me my credit report would reflect a XXXX   balance. However, to date my credit file still reflects a past due balance. I have made several attempts to contact both the company and XXXX to have this infomation updated. Although, the credit reporting agencies of XXXX and XXXX report the balance correctly as XXXX. XXXX refuses to update the account balance after I have submitted four disputes.

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 2021-01-27
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had my credit score checked for a mortgage application and it showed an open/active account for a past student loan with ACS Education. This student loaned was paid off about 5 years ago, but the account appears to still be open, even though the balance displaces as {$0.00}. When I tried to contact the loan provider, the phone number was disconnected and the website was no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but Experian and XXXX refuse to correct the issue. Experian keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but Experian kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is 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