BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: CL Holdings LLC
State: VA
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 am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE  ATTACHMENT 3 ) JEFFERSON CAPTIAL SYSTEM ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. 
I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My US Bank mortgages was being refinanced with another provider. It was reported as late once. That is incorrect. I have NEVER been late. I contacted them and I was told it doesn't show any late payment. It was closed because it was refinanced with another lender. I've gone back and forth with this. I'm frustrated.

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 2021-08-05
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
You do not provide an other option for Type of Problem. Therefore, I had to select the problem that most closely resembles my issue. I have strong evidence that this lender is not a XXXX  owned corporation and that it is actually a XXXX XXXX used by outside investors to skirt the usury laws of many of the states in the U.S. behind the shield of the sovereign nation. What this lender is doing is fraudulent and should be investigated not just by the CFPB, but also by other agencies that regulate the financial sector and by Attorneys General of the states whose usury laws they are violating. 

Furthermore, I have observed that there happen to be multiple corporations run out of the same office by the same people, lending to the same customers with different names such as XXXX XXXX, whose mailing address is almost the same ( a few P.O. boxes away ), whose customer service agents get confused about what company they are representing on the phone, and whose marketing emails are identical and are sent simultaneously. Their customer service agents deny being one and the same corporation, but all the evidence says otherwise. These two in particular, XXXX and XXXX, have divided into two corporations in order to fraudulently issue twice as many loans ( to the same customers who can not repay either one ) and in order to fraudulently receive twice the investments from the outside investors using them for their sovereign immunity to violate state usury laws with impunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: MN
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:
The information listed on this account is inaccurate and does not belong to me. According to Fair Credit Billing Act. Creditor needs to verify this account actually belongs to me. Creditor needs to verify Date of Last Payment date. Creditor needs to verify which payment method was used to make last payment date. Creditor needs to verify date opened. Creditor needs to verify Highest Balance. Creditor needs to verify accuracy of this account, as it doesn't appear on my XXXX  or XXXX  bureau credit reports, which means this information is inaccurate and fraudulent. I want this account removed from my Equifax credit report. I have sent police report stating I am a victim of identity theft, with said account listed on police report. Unfortunately, creditor is violating Fair Credit Billing Act. and Equifax is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-24
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I purchased several different crypto currencies on coinbase. {$64000.00} USD worth. The value of my account is approximately {$110000.00} USD as of now. For an unknown reason and not upon my request I am locked out of my account in every way. Can not buy, trade, and most importantly sell any of my assets if need be. I was locked out of my account in mid XXXX and tried to fix the issue thinking it was something on my end, but after a lot of research i realized it was coinbase that locked me out, I made 2 formal claims regarding this issue. CASE # XXXX on XX/XX/XXXX and CASE # XXXX on XX/XX/XXXX both describing in detail my situation and I have followed up with several emails and still no response or satisfaction on this matter. I made these purchases on the coinbase app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applier for a mortgage refinance with the current mortgage processor ( NewRez ) in XXXX 2020. I was initially given a timeline to close on the refinance not probably by end of XXXX, but by end of XXXX the latest. I have been providing all the requested documentation promptly ( typically the day of or the following day. I was told they were trying to save me money by consolidating the new with the old loan which would save about $ XXXX from the overall closing cost. The delay, however, is costing me {$1000.00} every month ( a combination of the PMI I am currently paying, and the lower interest rate for the new loan. 

After my last discussion with the loan officer ( XXXX ), I was asked to provide latest XXXX and pay stub, which I did the same day. The loan processor called on XX/XX/XXXX, I returned the call and left a couple of voice-mails. I did not hear back for two weeks, when I tried reaching either of them, unsuccessfully. They called back only when I called the customer service line and told them I am considering of filing a complaint because of the big delay and information not provided on the process along the way. I was told my credit had expired and they needed to run another credit check, to which I declined until some assurance was provided that this would not be a hard inquiry posted again on my credit report 5 months after the application. I was told the loan processor would discuss with their manager and get back to me the following day, and yet not a word. As I had mentioned, the delay has costed me at least {$2000.00}, and it will keep accumulating at the rate of {$1000.00} per month. If they are delaying the process for all their customers, I can only imagine the amount of money they are making by every month of delaying the process. I just tried reaching the loan processor, but my call gets connected to the voicemail directly ; no email, no returned calls, even from their respective managers or anyone higher up on the organization to provide clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2019-01-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made several requests to have my property tax Escrow payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. I am still being escrowed for {$3400.00} per year when my taxes was reduced to {$2900.00}, a difference of {$510.00} per year. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I also feel that Lakeview Loan Servicing is in violation of RESPA because they are charging penalty fees on any mortgage payment made between the XXXX and XXXX day of the month. RESPA says that they can charge a fee from the XXXX day. This is very unfair to borrowers and I think Lakeview should be held accountable for their illegal actions. It is this type of reckless greed that forces the govt to protect consumers from unscrupulous lenders, thus the CFPB. If possible I would like to have my loan transferred to a different servicer. These people are the worst!!!

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 2019-07-14
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home during the XXXX security breach and lost my identity theives took over my bank account and caused me to miss my mortgage payments i filed a loss mitigation package and while going through the mitigation process my lending was dual tracking my mortgage and continued with the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

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 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I learned on XX/XX/2019, via mail that a vehicle had been purchased in my name from XXXX XXXX XXXX in XXXX, NC, on XX/XX/2019. The vehicle was sold on a loan made by Bank of America for the principal amount of {$84000.00}. Upon discovering this loan was made, I immediately contacted Bank of America and they confirmed the loan had been made. On the same call, I advised Bank of America that this loan was fraudulent and that I did not make it nor authorize it and determined that my identity had been stolen. I was notified by the Bank of America representative on the call that their fraud department was closed for the evening and that I would need to speak with someone the following day. The representative advised me that I would need to submit a police report for the case. I opened a case that very evening. After contacting the XXXX XXXX ( GA ) Police Department ( my  local department at the time ), I was notified that I would need to open a case where the fraud occurred, but they did issue me an incident #, XXXX. I contacted the XXXX Police Department and opened case # XXXX. I then contacted XXXX XXXX XXXX the evening of XX/XX/2019 and notified them that the vehicle they sold was not to me and that I did not authorize the use of my name nor credit, and they had sold the vehicle to someone using my stolen identity. 

XXXX XXXX of the Bank of America Fraud Division contacted me the following day and informed me that she would send me paperwork asserting my denial of financial responsibility. I completed the forms, had them notarized, and submitted them via registered mail to the Bank of America office in XXXX, CA ( XXXX, XXXX XXXX   XXXX, XXXX, CA ). I was notified by Ms. XXXX on or about the week of XX/XX/2019 that she received the paperwork and that I would have a decision within 30 days. 

After a number of follow-up attempts with Bank of America, with absolutely no response from them via email or phone, I was finally contacted today by XXXX XXXX in the same department. She notified me over the phone that the loan was deemed a non-fraud case, which is an absolute farce, because I never authorized the loan. As importantly, Bank of America did not notify me, neither through phone nor mail nor email that the case had been resolved. I had to leave numerous non-returned voice mails before someone contacted my back on XX/XX/2019. Bank of America maintains that I owe them for a loan I did not make nor had any part of. This has negatively affected my credit and prevented me from obtaining credit. Additionally, Bank of America sent me a harassing letter maintaining that I need to register a vehicle that I don't own nor have ever seen in the state of Georgia, or be in default of the loan terms.

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 2019-05-14
Company: EQUIFAX, INC.
State: CO
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 the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief