BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: The Receivable Management Services LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this 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 explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

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 non-monetary relief
Consumer complaint received 2018-07-13
Company: EQUIFAX, 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:
Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 70 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My credit report shows a payment deferred status with on my XXXX mortgage account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX  mortgage and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

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 2022-02-01
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage got sold to Mr. Cooper ( aka Nationstar Mortgage ). Went to set up bi-weekly payments, got sent their paperwork, filled it out. They received it and said I had to submit two months of full payments before they would turn on bi-weekly payments. I did that. Went to check two months later why it wasn't activated, they said the bank account information they had was incorrect. I asked them to tell me the routing number and account number they had, they did and I confirmed that was correct. It's also the same bank account information I have stored in the backend of their website that I used to make my first two full payments. Now they are telling me I have to go through the setup process again, even though they have everything. Customer service refuses to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding the late reporting of my mortgage account with XXXX, I am disputing this record due to the fact that this was in fact paid. This should not report on my credit report as a 30 delinquent account for this reason. 
The reason this is reporting is due to the fact that my mortgage was sold From XXXX to Loan Care,  and during this transition period, it appears this got mixed up. 
I received confirmation that my payment was made and had been received from XXXX shortly after my payment was made. I later received information stating that my payment was not received and that I would have to wait until the transfer of the loan was processed before I could even make the payment. Emails sent to me direct from XXXX are below

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 2018-04-03
Company: NCP Finance
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out a short term loan with XXXX in XXXX, Ohio who sent it to NCP finance. The initial amount of finance charge is not what I'm paying now. I took a XXXX loan out in XX/XX/XXXX and first payment was due on XX/XX/XXXX for the payoff amount of XXXX. I was talked into refinancing the loan for a finance fee of XXXX in which they refinanced it with NCP for a payment due on XX/XX/XXXX. When i called back on XX/XX/XXXX the payoff had increased to XXXX. pay off with a refinance fee of XXXX to refinance a XXXX loan. I had no choice but to due it again. The same thing just occured for XX/XX/XXXX. 
That means for a XXXX loan in XX/XX/XXXX I have paid interest on a XXXX loan of XXXX. This is loan sharking and OHIO Chapter XXXX : SMALL LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX on XX/XX/2020 in the amount of {$460.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Louisiana to collect on this debt. Secondly, XXXX XXXX Adjust, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX Adjust has submitted negative information to all three credit reporting agencies XXXX XXXX, XXXX, and XXXX  XXXX against my name and social security number and is demanding payment from me in the amount of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In XXXX of 2020, I submitted a dispute and have not heard back from the 3 bureaus. I need help with the responding to my 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 2018-07-13
Company: Experian Information Solutions Inc.
State: FL
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'm actively fixing my credit report with a counselor. I'm following all the rules by 3 credit bureaus. 
EXPERIAN confirms getting my ID information which they asked for but then won't allow me to dispute any info and keeps asking me to verify my identity AGAIN by sending them the same info I already did OVER AND OVER EVERY 2 MONTHS!! 

It WON'T LET ME UPLOAD ID INFO TO THEM VIA THEIR WEBSITE EVEN WHEN THEY SAY I CAN AND PROVIDE THE WEBSITE PORTAL .. -- doesn't work at all ... ..they WON'T LE ME EMAIL IT. 
I send it to them via snail mail & certified mail, THEY CONFIRM they got it but then when I FILE A DISPUTE & SEND THEM THE PROOF their response is to ask me for my ID/verify MY ID AGAIN.! 
I CANT REACH THEM BY PHONE I CANT CONTACT THEM VIA EMAIL THEY DON'T RESPOND ONLY ASK FOR ME TO VERIFY MY IDENTITY BY SENDING THEM the same info I ALREADY DID the prior month. I CAN'T EVEN FREEZE MY ACCOUNT CANT GET THEM REMOVE ANYTHING ON IT NOR GET THE SCORE UP B/C OF THIS CYCLE OF MADNESS IN VERIFYING MY IDENTITY FOR MONTHS ON END.

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 2020-12-10
Company: Professional Debt Mediation, Inc.
State: SC
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 filed a dispute in regard to the incorrect item on my credit report its been Well pass 30 days and I have not received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Equifax and XXXX credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX  XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ADIR INTERNATIONAL LLC
State: AZ
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:
Application was denied. Never received letter as to why it was denied. No contact info changes. Curaao could not tell me why for denial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: WELLS FARGO & COMPANY
State: AZ
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:
XXXX is continuing to report false and old information from Wells Fargo. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.

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 2018-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Financial Recovery Services, Inc.
State: MA
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 was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls me daily for debt. I explained the debt is not mine. They sent me some billing info with incorrect addresses and explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please. They sent me a notice for an obligation to pay. This is the third agency that contacted me in regards to this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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 Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud

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 2020-05-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX  accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.

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 2022-10-04
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hyundai Finance received my request for a title transfer on my leased car on XXXX. I moved from XXXX to XXXX  and need to register my car in the new state. It is now XXXX and after speaking with an additional two representatives from Hyundai today, there is nothing they can do and I need to keep waiting. I'm on my second temporary registration in XXXX  and will be unable to drive the car I'm paying for when that registration expires next week. It is unacceptable that there is still no update on the status of this issue. They also have the incorrect address for my DMV and refuse to update it, so I'm doubtful that it'll ever be sent to my dmv.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for Experian and online, however the online site comes up with an error and call 1-888-EXPERIAN ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is 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