BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Cavalry a Validation / verifying letter to Validate a debt they say I owe. I ask Cavalry questions about this debt. Cavalry received this letter on XX/XX/19 via USPS Priority Mail. I sent this letter under section 809 of the Fair Debt Collection Practice Act on validating / verifying debt. Cavalry under section 809 of the FDCPA should cease collection activity for 30 days or until they have sent me information validating this debt. Cavalry fail to do so by sending me a letter dated XX/XX/19 without any information verifying this debt is mine. In addition, continued to attempt to collect on this debt. That is clearly violation of my consumer rights under the FDCPA. They have place this debt on my credit report without Permissible purpose under 604 under the FCRA. I have not given Cavalry permission to invade my credit report and use my credit report as a tool to collect on a debt they can not prove that I owe. Cavalry XXXX XXXX XXXX XXXX, NY XXXX. Thank you in Advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: BBVA FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with Compass Bank in XX/XX/2018for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10
Company: Total Card, 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:
I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX , XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX , XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX, XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of Total Card Inc and XXXX XXXX XXXX , XXXX. I will await your response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Credit Karma, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have an account with credit karma. On credit karma, it's showing I have a lot of hard hits for serval loans : " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX ''. I've NEVER taken out a loan. I'm trying to get this fixed. How do I get this fixed? What are the steps I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened. 

On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX. 


***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: TN
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 paid off an old account around XX/XX/XXXX or XX/XX/XXXX and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX  over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Equidata, Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, 220Md. 65, 160 A.2d 912. 916 ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to 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 are the second and third collection company that have contacted me, since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you Respectfully Submitted

Company response to consumer: Untimely response
Consumer complaint received 2017-12-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
URGENT!!!!! SALE DATE TOMORROW FRIDAY XX/XX/2019 I am a crime victim. My home was stolen through a title crime by two time felon XXXX XXXX XXXX through a forged Deed transfer which took title out of my name. XXXX was arrested on XX/XX/2019 in XXXX County for Mortgage Fraud and is currently in jail awaiting sentencing because he could not meet his bail of $ XXXX. I was in the middle of a loan modification and error process when my servicer Bayview Loan Servicing , LLC abruptly stopped it and dual tracked me to a foreclosure sale, for lack of holding legal title, knowing it was a criminal that stole my title. They are well aware of this title crime yet continue to conceal it in order to pass it off as a marketable title foreclosure sale. It DOES NOT have marketable title as it is tainted by forgery. This is a federal crime. Under legal statutes they are required by XXXX to report this in a Suspicious Activity Report ; Not use it to their advantage. My title shows XXXX XXXX, alter ego XXXX, as owner. They are not only aiding and abetting but they are selling a property that has been used in a crime to an unsuspecting buyer at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: EQUIFAX, 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'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX BANK, XXXX   XXXX BANK, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX  XXXX BANK, XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX, Bankruptcy : XXXX XXXX, Chapter XXXX bankruptcy XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
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 am very disappointed with Equifax it has been over 45 days and I haven't received results nor a response for a fraudulent account they are reporting on my behalf and this is hurting my report significantly therefore this account needs to be deleted immediately. This is not fair at all because it is greatly affecting my credit report due to these inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY 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 2021-09-08
Company: Southwest Credit Systems, 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:
An impostor opened a XXXX XXXX account using my credentials in New Jersey fraudulently from XX/XX/XXXX to XX/XX/XXXX and I have been living in Florida for the past 22 years. I became aware of the issue through my Visa credit card provider and I alerted XXXX and provided agent XXXX @ XXXX on XX/XX/XXXX all the information that I could, to prove that it was a fraudulent account that was opened without my knowledge. But they refused to correct the problem and submitted my case to a collection agency on XX/XX/XXXX. 

I was repeatedly contacted by Southwest Credit Systems ( debt collection agency ) and so I paid off the {$120.00} charge to stop the harassment. 

Please I need help to remove this negative collection issue from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XX/XX/2019 has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy 15 U.S. C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AR
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:
Charged excessive ATM and overdraft fees.

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 2019-02-10
Company: AFNI INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
AFNI reported on XX/XX/XXXX, an account that is from XXXX ( Originally from XXXX XXXX XXXX ) for {$250.00}. I disputed the account with AFI and XXXX but got nowhere. 
It should not be in my credit report, but keeps showing up with new dates. They will not remove it from my credit report even though it's past the statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One prepaid and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with Capital One and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 paid off an old account around XX/XX/XXXX or XX/XX/XXXX of last year and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.

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