BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: Omega RMS, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. 

Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Accelerated Financial Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against accelerated financial. this debt collection company has violated the fcra and my rights. accelerated financial has 2 negative accounts on my credit reports 1 for {$840.00} and the other is for {$620.00}. I have no clue what this debt is and ive sent them debt validation request and they continue to ignore my requests, but they are still reporting every month on my credit reports which is a violation of the fcra. I am in the process of purchasing my very first home for my family and im being told these 2 accounts that does not belong to me is stopping me from being approved. I am requesting these 2 accounts be deleted immediately from my credit reports. I will sue if I have too. thanks for your time!

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 2016-05-23
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX 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 verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account

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 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal.

Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal.

Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have.

Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 was paid amount of {$300.00} to RPM (  receivables performance managment ) XXXX XXXX XXXX WA ( XXXX   ) and balance was due for {$230.00} They said that i can pay that XXXX dollars after 30 days which is end of XX/XX/XXXX and i never had another bill or phone call from them during that month and after less then a month i seen a collection account in my credit report! After i contacted with them they sent me another settlement amount with added {$100.00} more to past due amount and i paid that whole amount and i was still seeing a collection account in my credit reports even they said they were going to take it out from collection! I also took a picture of that offer and sent them to experian and disputed i still see that collection in 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 2017-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

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 2018-03-23
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX regarding Account # XXXX at the address listed below via certified mail on XX/XX/XXXXandXX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have requested documents or agreements with my signature to confirm. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXXXXXX XXXX XXXXXXXX is not bonded with the state of Texas to collect any debt. 
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking and and saving account with Bank of America located in XXXX XXXX, CA. A XXXX dollar fee was taken out of my saving account. On XX/XX/2019 in the amount of {$430.00} within 72 hours money was taken out of my account. Please note that I made transactions to however I use or spend all the money in my account

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 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am requesting a written letter indicated the amount of my security deposit for a secured credit card from Capitol One. This information is not available in my customer profile on the website. 

XX/XX/2018 I called customer service on XX/XX/2018 around XXXX and spoke with XXXX ( XXXX ). She indicated that there is nothing available to allow her to send me a letter indicating the balance. She also indicated that there was no one further that I could speak. 

XX/XX/2018 I sent a letter to Mr. XXXX XXXX President of Retail & Direct Banking Capital One Financial Corporation XXXX Capital One XXXX, XXXX, Virginia XXXX requesting a written verification of my deposit. 

XX/XX/2018 - I got a call from XXXX. from the executive offices who said he would investigate XX/XX/2018 XXXX confirmed that I would receive a verification letter in the next 7 to 10 days. 

XX/XX/2018 - I talked with XXXX who said the letter would be emailed. But I got disconnected while on hold. I called back and got another rep who transferred me to XXXX. XXXX said that I would receive the verification letter in 7 to 10 business days. 

As of XX/XX/2018 I have not received the verification of the amount of my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: WA
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:
Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly.  On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus   requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: The Thomas Agency, Inc.
State: ME
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:
I had my credit report ran by XXXX XXXX in XXXX ME, they used XXXX, a Thomas Agency report was on there from a few years ago, it has been paid for years and I've been fighting to get this off of my credit report for some time now. I was able to get it removed from XXXX  and XXXX   now I just need it to be removed off of XXXX. I went to the Thomas Agency- nothing they could do for me to take it off, even though its paid and has been paid for years now. Called up the XXXX  company it was though- again nothing they could do to take it off. Contacted XXXX- They could take it off my credit report for a monthly subscription charge, at this point I'm furious, I just want it off my credit report, and I should not have to pay to do so, I hung up. I then contacted the CFPB talked with them about my day and experiences though the Thomas AgencyXXXX XXXX  company and XXXX   and he explained they should of just took it off without you paying a monthly fee, that's ridiculous! So here I am filing a complaint. We are trying to buy a house, that's why I m trying to get all my D. marks off of my credit report. Please help! Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: WA
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:
Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the 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 2018-12-07
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: Account information incorrect

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was told the {$77.00} interest charge for XX/XX/2018 would be credited back to me and I am getting the run a round. First, JCP.com charged me for 2 couches I did not get. Then it took them over 2 and 1/2 months to correct. The entire time, these charges were on my credit card. I was offered interest charge rebates for this and I accepted and then they refuse to live up to this promise.

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