BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Resurgent Capital Services L.P.
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:
To Whom it may concern, I have been trying to dispute Account # XXXX LVNV Funding to get this deleted from my credit report. This account was reporting on all three credit bureaus but it was removed on XXXX. And it should be removed on XXXX and XXXX as well. I mailed LVNV on multiple occasions indicating the laws that were broken for reporting this account my most recent letter stated this account was reported without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked you to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX please see screenshots below. Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my house last year, and within closing costs, {$420.00} was earmarked for homeowners insurance. Apparently the check that the title company had to send to the home insurance company never went through, so due to this I was without home insurance throughout the XXXX period. I never found out about this situation, until I received a letter from the lender saying that if I did not send them evidence of my home insurance, they would have to apply a premium charge for the lapse in coverage, which would be much more expensive than an usual home insurance. 
I had to get insurance for my home that covered the period XXXX, which was quite difficult to get, because no insurer wants to issue a policy to a home that has been without coverage for a year. After sending this evidence to the lender, they continue to demand evidence of the policy for the XXXX period, a policy that they should have insured me when I bought my home, and it was never effective. 
Now they are including me in my escrow account, an amount of {$4600.00} for home insurance during the period XXXX, a situation that was clearly the responsibility of the lender and the title company, and now I have to cover that expense ( my monthly payment has risen to an amount that for me is impossible to pay ). How could you help me so that this amount can be withdrawn from my escrow since it was not my responsibility?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial- I have been with Ally Financial For 4 years now, I have sent a late payment goodwill email, as well as several dispute letters explaining that I had fell into financial hardships and most recently was severally injured at work causing two of my fingers to be partially amputated, and due to the injuries I was subsequently terminated from my job, which has added on to making late payments on time. Due to the injuries and loss of employment I occurred 12 late payments, I managed to make all of my payments and even most recently paid the car loan off in full. Ally refuses to delete late payments and note my account paid in full never late. These late payments are hurting my credit and a chance to purchase a home in the future.

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 2021-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 an account was open in my name I did not give consent to anyone to benefit or utilize my authorized credit, nor authorized to sell or trade my information to a third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a credit card that was paid through XXXX insurance. After they kept placing and refunding fees by the end of XXXX payments there was a balance of {$34.00}. I spoke with representative from this credit card company and she agreed that the balance would be forgiven due to myself being terminally ill without a cure and on XXXX. This happened in XX/XX/2018. All of a sudden I have a collection placed on my credit bureau for {$500.00}. I've tried several times to contact collection company for verification of debt and never heard from them, nor received any verification from them nor bill ever. After disputing debt with credit bureaus multiple times they state debt is verified, how?? I contacted original credit card company and the lady states my insurance company never paid. Not true what so ever. I finally received all documents from collection company and it is all fees and interest accumulated since XX/XX/2018 when debt was forgiven. I never had a personal balance with the credit card company. So I was mislead and lied to by this credit card company via a recorded conversation of this agreement that debt would be waived because of circumstances and it was left over interest and late fee from insurance company paying bill late. How can a collection company try to charge someone for fees only when account was closed affective XX/XX/2018 with no balance. Also how can a collection I n be placed on a bureau without the law of proof of validation of debt. I have 30 days after receiving said bill to dispute prior to reporting on credit bureau. This is all against the laws set in place to protect consumers. And as of our joke of credit reporting agencies need to be held accountable for their actions. Falsely reporting incorrect information, not actually correctly reporting all true information and they have to delete and never place item again via FCRA laws when debt is not verified completely. Also they need to provide proof of validation of debts accuracy. Not just say we verified through our 3rd party. But information is still not complete, dates incorrect, missing amounts and most of all its fraudulent. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days.

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 2016-11-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.

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 2021-12-27
Company: Debt Co LLC
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:
To Whom it may concern, I have been trying to dispute Account # XXXX with Debt Co Coll. This account was reporting on XXXX and XXXX but it was removed on XXXX. And it should be removed on XXXX as well. I contacted XXXX XXXX  on multiple occasions indicating the laws that were broken for reporting this account ; with my most recent letter stating this account was reported on my report without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked them to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX but XXXX. You can see the below screenshots account # XXXX is reporting on XX/XX/2021. The other photo shows my report on XX/XX/2021 and the account was removed and you can see there is only one collection account on my report Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Real Time Group, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The three credit reporting agencies ( XXXX, Experian, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and Experian have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies XXXX Experian, XXXX, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( XXXX, Experian, XXXX ) XXXX updating this account even though it is closed. On at least one of my reports, ( Experian ) the CRA is reporting XXXX chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

Experian states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXXXXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX  # XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed 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 2022-05-13
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:
Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.

Company response to consumer: Closed
Consumer complaint received 2021-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a check from Wells Fargo for {$5.00} - with a letter stating that it was for a fee on an account of mine ending in XXXX. 

The only problem is here - I have never banked with Wells Fargo - A couple of years ago I have an account opened under my name and when I went to find out they said they closed it - Today I was on the phone with XXXX different departments - Customer Service - spoke to XXXX XXXX - who refused to answer any questions whether or not there was an account open with my information she then transferred me to the XXXX XXXX Where I spoke with another XXXX  who then transferred me to the XXXX XXXX Department where a XXXX XXXX advised me that the {$5.00} check was for a fee on one of my accounts - when I asked if I had an opened account she refused to answer stating she couldn't access it and would transfer me back to XXXX - during that hold the call disconnected and was not returned - Can you please help- I have never banked with this company-

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 2019-02-05
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MS
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 did not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX .XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation