BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Equifax continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither XXXX  nor Equifax reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because XXXX  and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reporting two accounts as a collection on my report when these accounts have been paid off. 100 %. I reached out to both companies in which told me they have updated my information with Experian. 
The following companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts been paid and I would like it to stop reporting as a collection in which it is hurting my score drastically and holding me from obtaining future credit.

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 2016-05-19
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. 
I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. 
Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent in a handwritten request ( attached XXXX  ) to BSI Financial to have PMI removed from my loan because I had fulfilled all the requirements as outlined by my contract and by XXXX XXXX  to have PMI removed. I had reached the 80 % LTV ratio and was current on my payments. The loan balance on the date the request was sent in was $ XXXX original purchase price in XX/XX/XXXX was {$250000.00} ( see XXXX ), the original appraisal was at {$260000.00} ( see XXXX ), and the original loan amount was {$230000.00}. 
The Private Mortgage Insurance Disclosure ( see PMI XXXX ) of my contract states that " You have the right to request that PMI be canceled on or after the following dates : [ ... ] The date the principal balance actually reaches 80 % of the original value of the property based solely on your actual loan payments. 
" 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. '' Additionally, since my loan is a XXXX XXXX loan, the XXXX XXXX servicing guide ( XXXX XXXX XXXXXXXX  ) Section B-8.1.-04 states for " borrower-initiated termination of conventional mortgage insurance based on the original value of the property [ ... ] if the mortgage loan is secured by [ ... ] a one-unit principal residence [ ... ] then the LTV ratio eligibility is met on the date the mortgage loan balance is first scheduled to reach 80 % ( or actually reaches 80 % ) of the original value of the property. '' Given the definitions of original value and LTV ratio outlined both in my mortgage and by XXXX XXXX, my LTV ratio on XX/XX/XXXX would be 78 % ( $ XXXX {$250000.00} ) - the loan amount divided by the original contract sales price of the property. 
One month later, I received notice that my request to have PMI removed was denied on the basis that the principal balance had not reached 80 %. In talking with representatives at BSI Financial, it turns out that they were using the original loan amount of {$230000.00} instead of the original contract sales price of the property of {$250000.00}. I have since had several back and forth phone communications with BSI Financial, and they continue to use the original loan amount despite having sent to them what it says both in my mortgage contract and in the XXXX XXXX servicing guide. They refuse to acknowledge both my contract and the XXXX XXXX  guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). 

I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). 

Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. 

I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. 

I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In the month of XXXX of 2021, I submitted a dispute against XXXX XXXX XXXX and XXXX XXXX. I did this will XXXX, XXXX, and Experian Within 2 days of submitting the complaint, Experian ( like they always do ) responded in 2 days saying they investigated the complaint and it was found to be a valid collection.

XXXX, and XXXX  completed the investigation ( it took 2 weeks ) and the information was removed. Experian has the collection grayed out so I can not ever dispute again or upload the information so they can correct the account. It is clear when you look at the account with veridian and XXXX, it is not a collection account and was paid in full by the unemployment insurance. Experian ALWAYS add the most negative information they can on my credit report, they often drop my credit score for no reason, One-time a collection that was paid was removed and supporting documentation was uploaded and Experian removed it and my credit score went up and 3 days later Experian ( on a Sunday ) put the collection back on, and I emailed them the same day, ( on a Sunday, ) and they removed it, something is wrong with Experian, Or someone in that office knows me or is upset over the successful dispute and they refuse to remove. 
How can two credit reporting companies see the errors in my credit and remove and correct the information and Experian ( in two days ) say they investigated and refuse to remove the information and will not let me upload supporting documentation? There is a problem with Experian, for the last 6 months, my credit score will go up 7 to 20 points, then 2 days later Experian will drop my score but will not say why, when nothing has changed. This company needs to be investigated, or see who is handling my account and complaints. How is it I can submit an email on a SUNDAY and then have someone that SAME day respond to my email and correct the information because it was clear someone at the company is tapering with my credit report? They breach information, and their scoring is low,

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 2016-04-05
Company: Omega RMS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Data Line Credit Corp
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day XXXX to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with Wells Fargo and closed in early XXXX 2016. Soon afterwards I applied for a HELOC with Wells Fargo and was advised that I could not close until the county had recorded the paperwork from the refi. Throughout XXXX and XXXX 2016 I repeatedly inquired about the county recording and was told it should be " any day ''. Today I found out the title company did not submit the paperwork to the XXXX until XXXX/XXXX/16, 74 days after the closing. In the meantime the rate lock expired, rates have gone up, and my paperwork is still unprocessed. Wells Fargo neglected to ensure the refi documents were filed in a timely manner, and I am worse off due to the HELOC rate increase.

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 monetary relief
Consumer complaint received 2022-05-17
Company: Applied Data Finance, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX Personify debt collectors called husband and shared information. He was never on the loan taken out, so this is a violation. XX/XX/XXXX they called me today and the man was harassing me asking me to open my email so he could trace my XXXX address. 

He called from XXXX asking for a return call to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened the account in XX/XX/XXXX I closed the account in XX/XX/XXXX I paid the balance in full in XX/XX/XXXX They tried to charge me an annual Fee of XXXX  $ that started on XXXX XXXX I did not and will not pay that. 
They are are now reporting account closed but with and outstanding balance and late fees every month after I closed the account. 
XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date openedXXXX Status Closed. {$90.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updatedXXXX Recent payment $ XXXX  Monthly payment {$30.00} Credit limit {$1500.00} Highest balance {$1400.00} Terms NA

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 2016-03-07
Company: Lyons, Doughty & Veldhuis, PC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received repeated calls from a collector for a debt that is not mine. I have visited their website and left voice messages indicating that they have the wrong person. The robo calls continue over the weekend as well as during the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Kohn Law Firm has been contacting myself and my employer attempting to collect a debt for XXXX XXXX. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working XXXX and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called Kohn again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by Kohn Law firm. The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from Kohn Law, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Coastal Finance Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle through coastal finance located on XXXX XXXX XXXX, XXXX, NC XXXX. This car had several mechanical issues and broke down in 2010. XXXX expert mechanics informed me that the car was not repairable. I called Coastal Finance to alert them to what was happening and that the vehicle could be picked up. Coastal Finance did n't believe what I was telling them so a man by the name of XXXX had the vehicle towed from XXXX, NC to XXXX, NC to his personal mechanic. He phoned me to say that the account would be closed and charged off as I had gap insurance. This account was due to fall off next year and after 6 long years of inactivity they report a missed payment on my equifax credit report and added an additional {$1300.00} to the original amount owed. Now my credit score has dropped and this old account is showing open and different missed payments are appearing. This company is lying to keep this account on my credit.

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 2016-09-29
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: KEYCORP
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.

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