BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage forbearance with XXXX since XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX to notify them I wanted to end my forbearance and begin to pay my note. I spoke to them many times and was given different information every time I called. Finally, in XXXX I decided to start mailing payments. They returned my payment. I sent it again. I really felt like they wanted to drag this out as long as they could to increase my indebtedness to them. Then they sent me a promissory note of {$41000.00} which I believe is wrong. The forbearance should have ended XX/XX/XXXX, XXXXTheir behavior was so absurd that I began to think there was some kind of fraud going on here. 



SEE THE ATTACHED DOCUMENTS

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 2018-06-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was charged off in XXXX and included in bankruptcy in XXXX. There is no way this debt is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CA
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 HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES 7/09/2021,09/27/2021, 10/26/2021 & 12/21/2021
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They sent a letter stating that I paid this bill with my XXXX account and lucky for me I never had a XXXX account. So like I have been stating I do not have an account with you. Also you stated that I had two accounts and decided that one of them was fraud when they both are. After contacting XXXX because American Express refuse to do any leg work to find out the truth. XXXX stated they never has an account in my name under my social security number. They did state an account was open with my social under a different name that they could not disclose to me because it was not my name. PLEASE QUIT DESTROYING MY CREDIT WITH FALSE ACCUSATIONS. Also they can get my credit report from the same people that they are reporting the negative info to. All three credit bureaus have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 3 spam calls a day, every week, except weekends. This has been happening for years. It is a Robocaller, asking for a debt to be paid under someone else 's name. They never answer when you call back to tell them to stop. 

I have blocked the number, but I can still see in my call history that they have attempted to call. I've been part of the Do Not Call list for years. 

This is the list of the times and dates that I received calls in just a week- there is more, but I've only added a week for the sake of this complaint : XX/XX/2020 - XXXX, XXXX, and XXXX. 

XX/XX/2020 - XXXX, XXXX, and XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX ( I've attached a screenshot of my call history to this complaint )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports 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 non-monetary relief
Consumer complaint received 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Information belongs to someone else

Complaint:
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my XXXX clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Colony Brands, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021, I paid Ginny  's the balance that I owed. I don't owe them anything now. But they are reporting to the credit bureaus that " I am still late. But paid balance. So I file a complaint but they refused to stop reporting that I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ENCORE CAPITAL GROUP INC.
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: Information belongs to someone else

Complaint:
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing XXXX XXXX XXXX as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. XXXX XXXX XXXX is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and XXXX XXXX XXXX never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to XXXX as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off XXXX in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by XXXX XXXX XXXX from Capital One Auto Finance, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both Capital One Auto Finance and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and Capital One Auto Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The limited categories provided forced me to select this option because I didn't see one more closely describing my situation. 

My complaint is about Wells Fargo ( my home mortgage lender, " WF '' ) requiring me to obtain flood insurance for my condominium that is located on the third floor of my building, due to my building now being zoned into a FEMA flood zone. If a flood were to occur ( where WF is indicating a 1 % chance of a flood occurring in my zone ), my building would be impacted but my third floor condo would not be impacted. Therefore, having a flood insurance policy would be unnecessary for me to obtain and WF requiring me to do so causes me unnecessary financial cost. In fact, if I opt not to purchase a policy, WF will require impound account fees to cover a flood insurance premium to their liking which would cost me even more unnecessary financial cost. 

WF did offer to accept a flood insurance policy of the Homeowners Association for the building. But such a policy if obtained by the Association will only cover common areas outside of my condo ( i.e. walls out policy ), where its coverage won't impact the condo that WF has the lien on regardless. So, it seems that such a policy is irrelevant to whether or not I should have to purchase a separate flood insurance policy as required by WF.

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 2019-08-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Well, you got 1/2 of our original complaint accomplishedthat of not receiving a statement. WE NEVER RECEIVED A STATEMENT and when we heard from them it was by way of a collection agency and the balance had increasing charges. WE NEVER RECEIVED A STATEMENT how can we pay a bill when WE NEVER RECEIVED A STATEMENT. 
I do not now know my original complaint number, but I am writing to tell you the solution of having the company send a years worth of past statements is NOT A RESOLUTION. 
We will be happy to pay the original charge sans accumulated interest. But not the interest because WE NEVER RECEIVED THE ORIGINAL STATEMENT. 
Looking forward to a proper response and resolution. 
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 monetary relief
Consumer complaint received 2018-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had any business with Portfolio Recovery Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this supposed debt or to have it removed from my report. I have not received validation and verification in the form of any acceptable document. I have two unverified accounts reporting on my credit reports from Portfolio Recovery Associates.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt you claim I owe. I continue to request that PRA provide verification of the following : the original Application or contract with my signature and an itemization of the costs, including an accounting, for all purchases, charges, interest, or other fees placed on these accounts that you claim I owe. Sending a copy of a billing statement does not constitute verification of the account or demonstrate in any way that I am responsible for these accounts. Please provide an original consumer contract. Copies of old billing statements do not constitute verification or my signature. I am enclosing a copy of the billing statements PRA considers verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account, please provide me with the original instrument of debt with my signature on it to verified that this account belong to me in accordance with the FDCPA. And any contractual agreement that proof you have the right to collect this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with XXXX which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX bank {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX.XXXX {$570.00} and XXXX/XXXX and XXXX XXXX {$330.00} these all resulted in fraud account due to XXXX data breach and i have disputed many times every year for the last few years and XXXX  has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
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 information incorrect

Complaint:
Today, XX/XX/2020, I met with my Housing advisor to review the content on my credit report. It shows an account that I still owed according to Equifax. I have paid all of my student loans for XXXX XXXX XXXX XXXX. This is affecting my process of home purchasing because it says I am behind. I want this removed, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
in XXXX I had a loss in the home- a check from my insurance company was issue to me and mortgagee. I sent check to mortgagee for them to release funds. since XX/XX/2019 I been trying for them to release funds. I pay already a contractor and still no money has been sent out. If is not one thing is another. I paid out of pocket thinking I was getting the funds right away now I am struggling to pay the home to avoid foreclosure. Loss draft dept has all documentation inspections and still no payment out. 
The property is 70 % fix and still no payment for them to issue.

Company response to consumer: Closed with explanation