BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: HI
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 AND EXPERIAN HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX AND EXPERIAN CONTINUE TO ONLY XXXX  INFORMATION FROM CREDITORS AND THE ONLY THING XXXX AND EXPERIAN DID is submit the dispute through a computerized system known as XXXX  THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. XXXX XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) XXXX AND EXPERIAN should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!

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 2021-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Portfolio Recovery is practicing unlawful practices by reporting to my credit report with debt that is not valid and they have not sent me a verification letter of the debt. I am requesting them to remove this collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TD Bank credit card was contacted disputing XXXX charges XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$70.00} XX/XX/XXXX XXXX  {$140.00} TD Bank responded XX/XX/XXXX that the charges were valid, providing invoices from XXXX showing my name and billing/shipping address. Emails on the order are not My email addresses. I never ordered anything from XXXX ever The items were not ordered by me, not requested by me, not shipped to me, and not received by me. 

TD Bank says they can not help and contact XXXX. 

XXXX says that since it is past 60 days they will not discuss

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. 
We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} -  TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. 
The lowering of the Escrow payment has now caused a huge Escrow shortage. 
XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one in Texas Fraudulantly opened a XXXX XXXX credit card in my name and it is now on 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 non-monetary relief
Consumer complaint received 2016-03-16
Company: CONRAD CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My name is XXXX XXXX and I lived independently at the purported time of this collection, at the same address I had lived for 16 years prior I only came to know about this because I recently checked my credit and viewed a debt collection by " Conrad Co '' ( http : //www.conradco.com/ ). at which point I called them to find out more on the account. This debt appeared to have been filed in XX/XX/XXXX and resolved in XX/XX/XXXX. The problem is I was never contacted by phone, mail, email, or otherwise regarding this " collection. '' They explained that this was for a property/timeshare owned by my father, and they had sole communication with him, and ultimately settled the debt with him. I am very careful about my credit, and I fail to understand how I am severally liable, especially when I was NEVER contacted by the debt collector, OR the entity which was trying to collect on the debt??? 
I now have a negative flag on my credit, and they refuse to remove it despite their acknowledged lack of communication with me and ultimate settlement of debt my my father? 
Again, the only reason I even learned of this was because I just checked my credit. Please tell me how I can get this off my credit report, thank you most kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: GMA Investments, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a phone call from a debt collection company called " Summit Receivables '' located in XXXX. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. 
Company failed to provide verification as of today and is currently reporting negative activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Company re-institute private mortgage insurance ( PMI ) after principal amount of loan has fallen far below the XXXX percent mark as required by law for PMI. No person answering or responding to any phone calls to know why the PMI has reappeared on the payments statement and explanation for " other '' on the payment statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I receive a response in the mail from Equifax which stated that they had verify inaccurate accounts on my consumer report. I would like to state that Equifax has violated my rights as a protected consumer. Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because I never gave Equifax any consent to report these inaccurate accounts. Equifax has also violated 15 USC 1681b ( 2 ) which states that I the consumer have to give Equifax written consent to furnish anything on my consumer report. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 USC 1681a ( e ) Equifax is suppose to personal interviews with my neighbors, friends, or associates of me. They are suppose to also not report factual information on a consumer report from a creditor. Equifax 's has not interview anyone who personally knows me which make this a violation because they have to interview these people to know my personal reputation. When Equifax reports payment information from a creditor this is personal information which is also a violation. Equifax is also in violation of 15 USC 1681a ( 2 ) ( B ) which states that what should be excluded from a consumer report " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' Under 15 USC 1681 a credit card is define as the same thing under section 1602 ( I ) which states that " The term credit card means any card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I would like to state my social security card is my credit card which is also the credit card I used to begin every consumer transactions which I have listed in the attachments. Equifax has also violated 15 USC 1681 ( a ) ( 1 ) which states the banking system depends on accurate and fair credit reporting because inaccurate credit reports will directly impair the efficiency of the banking system and will undermine mine the public confidence which is needed so that the banking system can function. Equifax has being reporting inaccurate balance for accounts that I have label in the attachments. While Equifax continues to report these accounts they have cause injuries to me which consist of denial of credit, loss of income, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: United Check Recovery Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
Approximately XXXX years ago, my landlord ( XXXXXXXX XXXX ) and its management company ( XXXX ) attempted to increase retroactively the rent on my apartment by {$500.00} per month, in contravention of the amount set forth in, and the terms of, my lease. I immediately disputed their attempt and pointed out the provision in the lease documents that expressly stated my monthly rent amount. XXXX ignored the documents and, when I moved out of the apartment 6 months later, they continued to attempt to force me to pay the aggregate {$3000.00} that they created out of thin air. 

Earlier this year, after multiple emails and phone calls over the past XXXX years in which I repeatedly provided XXXX employees with the lease documents proving I did not owe the amount they alleged, XXXX XXXX hired a debt collection agency named Columbia Debt Recovery dba Genesis to attempt to collect the alleged debt. Genesis filed a collections account with XXXX ( and presumably the other credit bureaus ) asserting that the alleged amount was owed and in collections. 6 weeks ago, when I checked my credit report and first saw the so-called collections account, I immediately called Genesis to inform them that the amount was not owed, per the terms of my lease. At that time, I emailed to Genesis copies of the lease documents and the ledger that I received from XXXX showing their fraudulent attempt to increase my rent. I have had numerous emails and phone calls with Genesis in the past several weeks, during which, among other things, an employee of Genesis confirmed that the lease documents prove that I never owed the amount asserted.

I have repeatedly asked Genesis to contact the credit bureaus to remove the collections account. As of this afternoon, they have yet to do so, notwithstanding their knowledge that the alleged debt is false and my informing them that they were violating, among other things, the Fair Debt Collection Practices Act by continuing to attempt to collect a fraudulent alleged debt. I have also repeatedly asked to speak to XXXX and/or Genesis legal counsel, as the lease documents are clear on their face ( and I happen to be a licensed attorney ), to no avail.

I have attached the lease renewal form which shows the legal amount of my rent, as well as the ledger XXXX provided me that evidences their fraudulent attempt to increase my rent. The lease itself is too large to upload, but I am willing and able to provide you with that document, as well. Upon request, I will also provide all email correspondence with XXXX and Genesis over the last XXXX years. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account and XXXX savings accounts with Capital One. My wife and I recently completed our estate planning and now have a family trust established as the beneficiary upon our deaths. I have been contacting all of our financial institutions to update the beneficiary. With 7 other financial institutions this has been an easy process and could be done online for all but 1. 

However, it has been difficult with Capital One because the company says they don't allow trusts as beneficiaries. These are our funds and I have the right to designate what happens to them upon our deaths. I have tried online and by phone but Capital One refuses to acknowledge our request. The phone representative said she knows this is a problem and she hears the complaints often but Capital One doesn't listen to its customers. 

Please assist in helping us ensure our funds go where we intend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I sent {$50.00} to my mother through Paypal. I sent the payment to my mothers cellphone and put the details in Paypal so that they could send her the money to her cellphone. My mother never received a text or notice on her Paypal account that the money was received. When I checked my account Paypal had sent the money to another person with an email that I do not know. I have been appealing to Paypal to refund the money that they sent it error and they have denied my request repeatedly. I opened another request to have the money sent to my mother and Paypal not only denied my request, but also blocked me from gaining access to the account again. My payment is now due and I Paypal is saying that I must pay this amount that this was my error and I have lost the money. I sent an email to the person that received the money in error and that person is also refusing to refund my money that Paypal sent her in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2020 I mailed a letter to XXXX  and Equifax to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to XXXX  and equifax and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. Equifax responded on XX/XX/2020 stating they weren't deleting the accounts. XXXX  has yet to respond or provide me with an update.

Company response to consumer: Closed with explanation