BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I received notification that a collection was added to my credit. I have made multiple calls and sent emails with no response. They never tried to contact me or mail a letter proving the debt was mine. I have no knowledge of this debt. I sent an email asking for them to prove my ownership of the debt with no response. I could not get anyone On the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Never issued this fraud alert and unless requested by me, Experian better not issue another one. Remove this fraud alert immediately, FCRA violation. 

Please provide documentation of who issued this fraud alert when and what address. 

Copy of Alert : Consumer Statement XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XX/XX/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 2019-01-27
Company: ERC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: National Account Services Group, LLC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past 6 years or so I have repeatedly been contacted by a credit collection company claiming very vaguely that I have not responded to paperwork sent to me for a debt they claim I owe. 2 years ago they actually contacted my elderly parents at their home and indicated that they were looking to serve me. I have not ever lived at this particular address of my parents, nor have I ever lived in that State ( New Hampshire ). 

When ever I call and speak with them they claim I owe for a debt that was paid directly to the creditor at least 10 years ago, the account no longer appears on my credit report and I have since moved and can not find my paperwork for the account. They claim I owe the debt unless I can prove otherwise and they insist that they are going to serve me. 

It happens like clock work about this time each year and then I threaten to have my attorney call them and I ask them to stop contacting me and they stop for about a year. I have to date NEVER received any paperwork from them and they refuse to speak to my attorney. 

Today the company that called was XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I refinanced my VA home loan in order to take advantage of lower interest rates. My loan was previously serviced by XXXX XXXX XXXXXX/XX/XXXX, with property taxes paid monthly into escrow. It is now serviced through Lakeview Loan Servicing, with property taxes paid monthly into escrow. When I tried to file my 2020 taxes, I reviewed the XXXX from each bank, and both showed that no property taxes were paid for 2020. I contacted XX/XX/XXXX and they said that since property taxes are paid in XXXX, they did not pay them and the money went to Lakeview Loan Servicing. I have spent weeks trying to contact Lakeview Loan Servicing to find out why they didn't pay my property taxes and what happened to the {$7000.00} I had paid into escrow for that purpose. Lakeview Loan Servicing does not have a valid customer service phone line, it is completely automated and there is no way to reach a human to ask a question. There is a message system that makes it look like someone will call you, but I have submitted more than 30 messages with no response. I don't know where else to turn for help. I don't understand how the company can just not allow contact from customers and take thousands of dollars with impunity. How is that legal?

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 2020-02-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is with both XXXX and Navient. I dropped the classes at XXXX and never completed them which I was advised that I would not be charged. I called them many many times regarding this and was advised it would be removed. Then later told they were not dropped in time. Then Navient kept sending me information to put me in forbearance because I was having trouble paying for years. I now have thousands in debt and fees for classes I never took. What was originally around {$4000.00} is now over {$7000.00}. I have went thru XXXX, Navient, the XXXX  and reported this to the credit bureau but received no help. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This month, Agency Credit Control fraudulently placed a $ XXXX collection claim on my credit report on behalf of XXXX XXXX XXXX XXXX - XXXX XXXX-Attorney. Mr. XXXX failed to provide contracted services in XX/XX/XXXX which resulted in actions taken by the Colorado XXXX Court XXXX XXXX XXXX. Since that time, I have not heard or received anything from XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, or Agency Credit Control. I only became aware of the collection actions when I noticed a significant decrease in my credit score. 

It appears Agency Credit Controls is not a licensed debt collection agency in the State of Colorado. The name of this collection agency is Agency of Credit Con on my XXXX report and Agency Credit Control on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I have called them to call the credit bureau and tell them I never applied for anything. All they tell me is that it's not their problem. So rude they made the inquiry without me knowing and now they will not fix it. I NEVER applied here for credit and furthermore I don't even live in California.

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 2019-01-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
experians has locked me out of my accounts and not giving my creditors my credit report clear violations of my rights and XXXX has done nothing to help me

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 2021-08-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get mortgage forbearance on 2 single family homes ( XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX, XXXX XXXX, NC XXXX ) due to covid related issues. My son, who is a co-borrower has had covid twice and I have had it once. Most of our income is derived from some rental property we own. Due to the fact that some of our tenants and some tradesmen we usually hire to work on problems at the properties have had covid, we have lost significant income from tenants not being able to pay rent and losing months or rent because we can not find tradesmen to enter homes of people with covid and/or being too sick to repair properties to make them rentable. 

Our mortgage institution, First National Bank, XXXX XXXX XXXX XXXX XXXX PA XXXX has turned down our request for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed

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 2021-04-01
Company: EQUIFAX, INC.
State: MA
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: Other problem getting your report or credit score

Complaint:
My name is XXXX, for the last XXXX  years I had a student loan which I paid in full on XX/XX/XXXX. Paid {$2400.00} in full. Student loan started on XX/XX/XXXX. 
I have been trying to get a copy of my credit report from Equifax, unfortunately Equifax keeps denying my requests every time saying that I do not have credit history. 
That's just not true. 
I have access to my reports from XXXX and XXXX, they clearly show everything, including my student loans, which they have been paid as well my purchases with my credit cards. 
Equifax keeps refusing to provide me my credit report. 
This is not a XXXX time incident, this is been ongoing since XXXX. 
I am also one of the victims of the Equifax data breach of XXXX. I found this out on the data breach settlement page. 
I called Equifax, they send me a letter to fax them my information, which I have done as requested on XX/XX/XXXX at XXXX XXXX. Faxed over 15 pages including drivers license, ssn, lease agreement, utility bills. 
Called Equifax on XX/XX/XXXX and the agent, again, refused to send me a copy of my credit report stating that I do not have credit history and I should contact my bank. 
My credit union keeps denying my application of credit because Equifax says I don't exist on their systems and my credit union tells me to contact Equifax and when I call Equifax, they say I need to tell my bank to report my information to them. 
Called Equifax on XX/XX/XXXX and I said I want to purchase my credit report, I was also denied, again. 
Since when is it my responsibility to tell banks or credit unions how to do their job or my responsibility? 
I am trapped on an endless loop. 
To this very day, Equifax is refusing to provide me my credit report. I called, I requested to buy it and no success. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: FIRST PORTFOLIO SERVICING INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I went to XXXX XXXX XXXX and I had to take out a loan for Petes private student loan services for {$16000.00} in almost {$17000.00}. Peaks private student loans and XXXX were sued and were obligated to refund and withdraw all the loans to all of the students who took out loans with them. I have not received any information from peaks private student loans or from XXXX in regards to my loan being dismissed and withdrawn I would like to have that information in writing. Can you please help me with that?

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX. I opened a XXXX XXXXr credit card with capital one bank in XXXX. There is an offer both online and when I applied if you spend {$500.00} you will receive {$200.00} within 3 months of account opening. I spoke to a representative from capital one on XX/XX/XXXX. I was told that I will be getting the {$200.00} bonus in XXXX. They gave me miss information and now there saying today on XX/XX/XXXX. That I will not be getting the bonus. That the worker gave me the wrong information. I spent {$1300.00} in the first 3 months depending on the {$200.00} to be coming back to me at the end of the 3 months. I was told by a supervisor that she replayed the recording of one of there staff telling me that I qualify and will be getting the bonus. I told them that they are false advertising to attract customers and that I will be reporting them. I was told because I spend the {$500.00} before the XXXX when I spoke to the representative there saying that I dont qualify even though on the website and the paper I received saying that I was pre approved showed the bonus on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXXXXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX  ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX   XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX XXXX ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.

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