BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
When Stewart Zlimen & Jungers first contacted me they didnt send anything about the debt, I told them I am XXXX XXXX live on 112 % XXXX and have been having major issues with my health. I supplyed them with info about my ssdi and told them I have nothing of value. I also asked that they stop contacting me all together and asked them to provide what should have been sent within 5 days of contacting me. Thats the only response I wanted as I have been having major health issues and am on 11 medications and have been sick for 26 years. 
I also have XXXX and then the wife and I are home on a saturday and there is a knock at the door we opened the door to find a server serving me with a lawsuit, or what appeared to be. 
Again no information on where this came from I wrote a response as best I could with the info I had. This was not what I asked of them I asked that they not contact me. After the answer I then got more stuff asking me toi call and discovery. ' Thats when I told him I needed to get ahold of legal aid. 
I did and they informed me that this was no lawsuit nothing filed in the court in my county and it stated atempt to collect a debt. So after I told him what was going on and asked to not be contacted serves me with a fake lawsuit like legal aid said he was only harassing 's me me which I didnt need The name of his firm is not him and the people stewart no lawyer license same with the other 2. I am not even sure who it is that is contacting me and harassing me and my wife. The server made entry into a secured building without even buzzing us. I am not sure how he forced his way into the building. Debt collectors by order of the Governor XXXX were not to be collecting or trying to collect debt at this time. And a no garnish is still in place. My funds are not able to be taken anyhow. This debt is from XXXX. 
A junk debt buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: WA
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:
I have been locked out of my credit report with Equifax because of fraud. Equifax refuses to work with me, they will not talk to me, or let me see my file. There is a fraudulent address on my report that I have been trying to get removed since XX/XX/XXXX. They have not removed it, and it has been updated as of XX/XX/XXXX. Equifax has locked me out of all communication with them because they say I can not identify myself. I am afraid my report is being changed and I can't get anyone to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several fraudulent inquiries and inaccuracies on my credit report : XXXX  FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  INNACCURACIES : - Accounts Ever Late : 2 -  Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX  - XXXX XXXX   Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX Equifax Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to have my PMI removed since I am within .5 % of the LTV guidelines in order to have this happen. I currently have an LTV of 80.23 % and am aware that by law once my LTV reached 80 % I can request it be removed and the mortgage company has to do so. I reached out on XX/XX/2021 to have this issue resolved, not only could I not get anyone on the phone but I could not get a clear answer as to what department to speak to. I finally got ahold of the refinancing department and they agreed to mail me the proper documentation needed to have my PMI removed. Once I received these documents and read them at length they explicitly state that once my LTV reaches 80 % I can simply submit a request to have my PMI removed and once it is confirmed by my mortgage company they will remove it. It gives me the option to pay for a BPO or an appraisal but since I am only .23 % over the necessary requirements to ask for it to be removed, I intend to make the necessary payment to reach the 79 % LTV and just have it removed. I sent an email on XX/XX/2021 through the online portal about this and received a response on XX/XX/2021 telling me to contact caliber home loans. 

I reached out today XX/XX/2021 about this issue and was told that the investor who has my loan will not let me remove the PMI without doing a BPO or appraisal I explained to the woman on the phone that is not how this works and she did not have an answer for me. I also explained that I have letters from caliber that directly contradict what she was saying, and that the website says at 75 % it will automatically be removed. She was of no help and no further assistance, she couldn't even tell me what amount to pay to have the LTV drop below 80 %.

I have never missed a payment, and have been trying to get the PMI removed since the beginning of 2021. I can make whatever payment is necessary to meet whatever LTV is necessary to have my PMI removed but nobody at Caliber home loans is able to provide me with that information. I am the ideal candidate to have my PMI removed and I want it done, asap. The mortgage company is not willing to work with me, and it is not my burden to pay for a BPO when I have already met the guidelines. After this month my LTV will be 80 % or lower without me having to make an additional payment. 

I am requesting this be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.

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 2019-06-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pressler & Pressler Law Office of XXXX, NJ has been hounding me for a few for years about a debt they did not specify the amount of & more importantly that did not belong to me. I have never personally had an account with the XXXX. I recently received a summons to appear in court as they have filed a suit to garnish my wages. They are referring to a XXXX credit card account I co-signed for my mom 15 years ago. In XXXX, this XXXX account was charged off in a Chapter XXXX  Bankruptcy filed by my mom. I explained this to them in writing providing them with all the applicable information ( filing/docket #, court address, etc. ) regarding the bankruptcy & submitted a copy to XXXX County Court 's Special Civil Part Dept. as well. 
In the letter, I also requested a mailed copy of the original signed agreement for this debt. & to cease contacting me until they provided it. Pressler & Pressler never acknowledged nor sent the requested info. However, a paralegal from the firm who recently contacted me via phone asking to make a payment, did confirm they had received the letter. Instead, they ignored it & insisted on demanding me to pay by any means, if that means garnishing my wages. 
In XXXX, they unknowingly garnished money from a XXXX  XXXX XXXX account that I was not an owner of but put on as a secondary cardholder. I addressed this to them and asked why I did not receive any notification that this was going to happen & more importantly they are wrong because I do not owe anything. I am sure that is illegal, isn't it? They blatantly ignored it & continued with the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: LA
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 a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is XXXX XXXX XXXX XXXX. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Resurgent Capital Services L.P.
State: FL
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 received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. 

I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/XXXX  It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was looking over my account one day and noticed there was a charge on my bank of america account for {$12.00}. Upon further investigation, I noticed that the same XXXX charge was appearing on my account, MONTHLY. I recognize the company that was charging me, however, I personally DID NOT authorize the charges. I disputed all of the charges for {$12.00} on my account. Which had been occurring since at least XX/XX/2018 according to my bank statements. I had specifically told Bank of America that I did not authorize those charges. The merchant is XXXX. I told Bank of America that I have an XXXX.XXXX account however I have a Basic membership to the site. A basic membership is a FREE account. XXXX.XXXX  does not have any of my bank information linked. I sent Bank of America proof of my account with XX/XX/XXXX, attached with the proof that it is a free account and that my banking information is NOT associate with my account. 
The problem is, I have a work computer that multiple people have access to and I have used my debit card information on my work computer, my banking information may have been saved on the work computer at some point. So I explained all of that to Bank of America and reiterated to them that I DID NOT AUTHORIZE THOSE CHARGES but there is always a possibility someone at my job could have come along the way and used my banking information to pay for their own XXXX.XXXX  account. Which to me is robbery and/or FRAUD! 
Bank of American sided with the merchant and said I made those charges and refused to give me my money back. They took well over {$300.00} from me. I told them multiple times and sent the proof that I have a free account and XXXX.XXXX  does not have my banking linked to my account. I asked MULTIPLE times for Bank of America to send me proof that I authorized those charges and they have not sent me one single piece of proof. Bank of America has not sent me any notices of the proof they have that I authorized the charges from XXXX BECAUSE I DIDN'T!!!!! 
The most recent BOA employee I spoke to refused to allow me to reassert my claim! 
I did not authorize any of those {$12.00} charges, bank of america has no supplied any documentation to show that I made the charge and the merchant ( XXXX ) has not gotten back to me! I requested this proof multiple times and still nothing has been done. This bank has not protected me or my funds and allowed me to get robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX  XXXX XXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX AND TRANSUNION REFUSED TO UPDATE MY PERSONAL 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 non-monetary relief