BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: LENDER LIVE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: IL
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:
I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.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 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022

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 2016-04-10
Company: Riverview Law Office, PLLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-02-13
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NM
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:
In accordance with the Fair Credit Reporting Act Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-26
Company: EQUIFAX, INC.
State: NV
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System at XXXX XXXX  XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices about {$640.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint is being filed because of the constant non-compliance of Experian. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to Experian challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd no response. On XX/XX/2022 I wrote another letter and mailed it certified to Experian informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. Also, Experian failed to validate the account in allowable time I also pointed out the inaccuracies. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received an email from Experian that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Experian Attn : Dispute Manager I explained Experian left me no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the HIPPA Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2022-04-21
Company: Finance of America Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, Finance of America stated they didn't receive my payment and then they reported me late. In the end, My LO who doesn't even work at FOA any longer figured out what happened and they reversed the negative reporting after 65 days of frustration. They were horrible in regards to communication and didn't seem to take me seriously or even care about my anxiety regarding the issue. My credit is excellent and I always pay my bills on time so this issue was really frustrating. In the end, they applied my payment to the wrong account which I proved to them by getting the cancelled check which was suggested by my LO. My issue is their communication and then they also stated they wouldn't report it to my credit until the investigation was complete. I understand mistakes happen, however the way they approached the situation was very unprofessional and unethical. Had my XXXX not stepped in, I find it to believe that they would've resolved the issue. I'm making this complaint for the next person they are treating like this and maybe they'll be more professional next time. I find it very unbelievable that they would blatantly lie to me about reporting the late payment to the credit bureaus. Thanks you in advance for reviewing my complaint. I have numerous emails to prove what I'm saying is correct. Please see attachment which includes an email in which they stated they wouldn't report it to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide 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 ( 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 manner as soon as possible. Thank you.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting Act Account # # # # # # # # # # # # XXXX, # # # # # # # # # # # XXXX, # # # # # XXXX, # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX  Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

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 2020-06-19
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is not my debt. I have not had any dealing with this creditor. 
Natnl Cred {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: ME
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:
We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation