BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i went to buy a XXXX  watch through postmark and when me and the seller went unto a agreement with price the person acted as if they were the wife of the owner of the XXXX  watch and they told me if it was ok to pay with XXXX  XXXX to avoid them being hit with postmark fees, which i agreed on and the supposed wife told me she would tell her husband to text me who is the alleged owner of the XXXX  watch and there as texted me to my personal phone number and i asked them a few questions and everything added up after sending multiple questions, after that i sent the sum of XXXX USD through XXXX XXXX  and right after the person has blocked my number, and had deleted their poshmark account. and they just ran with my money. i tried filing a claim with XXXX XXXX and they refuse to help me and closed my XXXX XXXX account after filing a claim with the cfpb with no reasoning at all but also i have an issue with my bank mainly, when i filed a claim directly that i got scammed they gave me a credit of XXXX $ meanwhile they investigated the issue with XXXX XXXX  and about XXXX months have passed since i got scammed and all the sudden i get a letter in the mail saying that my bank can not help me any further with the dispute and their going to take back the credit of XXXX $ they gave me even through XXXX XXXX showed a negative balance of -XXXX $ before my account was shut down by XXXX XXXX meaning bank of America Was Able to get the money from XXXX XXXX successfully but regardless bank of America left me with a negative balance on XXXX XXXX  and took the XXXX $ back without me ever getting a cent back from when i got scammed. when i previously filed a claim with cfpb for XXXX XXXX they did remove the negative balance and my balance was at XXXX But now they've shut down my XXXX XXXX account for no reason. and bank of america has left me out of the XXXX $ i got scammed out off back in XX/XX/2020. at a time like this. i should be protected from theft right?? not only was i robbed out of XXXX $ but is also the person is impersonating someone. and possibly scamming a lot of other people

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2020, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Webcollex, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : CKS Financial CKS Account ID : XXXX Balance : {$17000.00} Current Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  Original Account Number Ending In : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
According to a guy claiming to be from the compliance office of XXXX XXXX there is a case against me that I am not sure how this came to pass. The gentleman was very rude and also contacted my brother and a clinic with the same hospital I work for but not the clinic I work in. I feel that I have received no information in regards to this issue with supposedly ACE CASH EXPRESS, according to them I received a loan, in an unsaid amount of money and it was deposited to a XXXX bank account with my information on it and that it was not paid due to account being closed, I have been with my current bank for over 3 years and have not been with XXXX for a long time now, so I am not sure about this, I was told that I am being charged with defrauding a financial institution and owe them money, well I do not agree that this is legitimate as I do not recall ever getting a loan from ace cash in XX/XX/XXXX. As for the money that they say that I owe, I have never received any documents in writing stating that I owe any money to them but now have a case pending against me? That really confuses me, because most companies would attempt to collect what could be owed instead of taking a person to court for a small amount as payday loans typically are. Please help me I am a single mother of XXXX boys and work very hard but do struggle to provide and feel that this could be handled differently and I feel that they are using bullying and scare tactics to get more from me then the amount that supposedly was borrowed, when asked for documentation I was basically told that they had already sent the information, but I have yet to receive anything in regards to anything of this nature. I would appreciate a little help trying to clear this up, If I owe something fine, but if this is not something that I owe even if they claim to have all my information that does not mean that I received any money from this place. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: ARS National Services, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 ( I sent via uspo mail ),  several 'Debt Validation letters to debt collection agency XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX. requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the Collection agencies failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: CT
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 wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to.

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-
Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine
Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant.

Nos.04-35563, 04-35795.

Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. 

XX/XX/XXXX. 

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 



ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I want my lander to remove PMI from my mortgage, I already sent a written request to the lander but they dined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00}

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 2019-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I bought a car from the dealership. They never sent the registration and titling to the DMV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.

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 2018-08-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: GA
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 submitted several disputes and havent received any verifiable proof. Equifax only sends back the report stating the accounts has been verified as mines. I have asked Equifax to provide me with their method their utilizing to verify this erroneous information and to provide me documentation with my signature from the original creditor. To this date, Equifax has failed to provide me this information ( if Equifax stating they have verified this information as mines wouldnt you think they would provide me the information I am requesting. I know for a fact their using third parties to verify this information, such as XXXX and this is clearly a violation. I believe Equifax is not conducting a thorough investigation, but is utilizing their E-Oscar system, which is the automated credit dispute verification system which is not a thorough investigation. I also included the updated report Equifax has sent back to me stating the account were verified as mines, which states on the report Bankruptcy was verified through their third-party vendor XXXX ( VIOLATION # 2 ) ( NOT ORIGNAL CREDITOR ). By law according to the FCRA credit  bureaus are to do a thorough investigation and to contact the original creditor. I am requesting Equifax to do a thorough investigation and not utilize there E-Oscar System, PACER, XXXX, and any other third-party there utilizing but to contact the original creditors that is listed on my credit reports and to provide verifiable proof, documentation with my signature from the original creditor and if this information can not be verified correctly according to the FCRA I request these unverifiable accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One Auto Account No. : XXXX Amount : {$3600.00} Address : XXXX XXXX, XXXX, XXXX , Texas XXXX Phone : ( XXXX ) XXXX I have disputed this entry for Capital Auto for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Capital One and myself for repayment. The only responses I've received were statements for paymnent. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AUDIT SYSTEMS,INC
State: FL
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:
My bank paid a check and I receive what appears a fraudulent attempt to collect the funds again with a hefty fee claiming insufficient funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Select Financial Services, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!

Company response to consumer: Untimely response