BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: LEXISNEXIS
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:
On XX/XX/2018, I received the response from LexisNexis in regards to my complaint that was filed with the CFPB on XX/XX/2018. My complaint was how XX/XX/XXXX verified information that appeared on my credit report through LexisNexis. The information was of a Bankruptcy with docket number XXXX. In their response, LexisNexis stated that they verified all of the information about this case docket via a third party database known asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was done in violation of the Fair Credit Reporting Act. The Fair Credit Reporting Act clearly states that any information contained in a credit file, to include XXXX XXXX, must be verified through the original furnisher. The XX/XX/XXXX system, while maintained by the Federal Government, is still classified as a third party furnisher under the Fair Credit Reporting Act. This was affirmed by XXXX XXXX XXXX XXXX XXXX BANK, NA. The original furnisher would and must be the Court where the legal action was filed. In their response, LexisNexis also stated they matched the last four digits of my social security number and my year of birth from information provided to them byXX/XX/XXXXhis is insufficient given that all information contained in a credit report is to be one hundred percent accurate and one hundred percent verifiable. Based upon the response from LexisNexis, the information was not verified to be one hundred percent accurate, it was merely based upon a preponderance of the evidence. This does not meet the burden of one hundred percent accuracy. LexisNexis has also shown in the past they believe they are not considered a Credit Reporting Agency but according to the Fair Credit Reporting Act definitions they clearly are. They broker information that is used to determine creditworthiness for profit. Therefore LexisNexis must comply with laws as set forth under the Fair Credit Reporting Act. I am attaching a copy of the response from LexisNexis and a response received from the Clerk of Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. 
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. 
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. 
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. 
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). 
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX failed to process my ACH payment correctly on XX/XX/18. Then, bank claimed that payment was returned by my bank, closed my account, and placed a derogatory mark on my credit report. 

I have always paid my balances on time and in full. 

Synchrony has failed to return my calls and emails.

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 2016-06-21
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Company calls multiple times a day even after being told not to. 
Will not answer any questions about who they are. 
Will not validate the " supposed '' debt Caller has identified themselves as either XXXX XXXX or XXXX XXXX. 

Phone number lookup identifies the company as American Collection Services. However, no one who calls will tell me the name of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I previously submitted a dispute for identity theft several times, experian fails to provide method of validation per FCRA Section 611. Furthermore, they have blocked me from being able to dispute the items again/dispute items and viewing my credit report and or checking the status of my credit report. 

I am disputing the following items as a result of identity theft and have attached my police report : - XXXX - XXXX XXXX - XXXX XXXX - XXXX I have also attempted to update the # on my fraud alert and have had no success.

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 2022-10-17
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2018 in the amount of {$270.00} I have tried to contact this company to let them know it was fraud and i never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Personal information incorrect

Complaint:
I filed a previous complaint against Equifax number XXXX regarding personal identification information on my consumer credit file. Equifax mailed me a letter as a stall tactic requesting proof of identity when I provided proof of identity with my previous complaint. I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax remains in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
* All the information regarding this case such as the credit name, account info, creditor name and more are in the attached file. 
* It is all started after XXXX offered me {$3000.00} credit card to be used by me. 
* XXXX did not send 2 statements ; I called them and ask them to remove the late fees for those statements ; but they refused. 
* I did I asked them to close my account immediately ; I told them I need to pay all the balance for the purchase so I can close my target account ; then I paid the amount using my debt card ; then They told me at that time they are closing it, and I do not owe them any thing for any purchase. 
* I called them later on to see if they can remove the late fees ; but the person who answered me refused, looks like I was getting the same person before ; then I asked that person if my account is closed ; the person said no ; then I asked that person to close the account ; I did check with them later on to see if the account was closed ; but it was not ; * I did reach Experian, XXXX and XXXX credit agencies and dispute the ( almost {$54.00} late fees ( I am not sure exactly now, but it was $ XXXX ) ; and I asked them to close the XXXX account ; because the target are refusing to close the account for me. 
* Later on after the account was supposed to be closed on XXXX of XXXX ; target was charging me almost {$40.00} for late fees and interests each month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ; and report that I am late 30 days late to pay for XXXX XXXX, 60 days late to pay for XXXX XXXX, 90 days late to pay for XXXX XXXX ; and 120 days late to pay for XXXX XXXX ; and they are still going with their same process. 
* I dispute this issue almost 3 time with the credit reporting agencies. 
* The attach file has some for those statements for { XXXX, ..., XXXX }. 
Credit report agencies claim that the process of their dispute is to send electronic a-mail to target asking them if I own them any money, and if they said yes, then they can not remove the charges ; they recommend me to reach to the Bureau of Consumer Financial Protection. 
* Please let me know if you need any further information regarding this issue. 
* The following are my contacts : XXXX XXXX XXXX XXXXXXXXXXXX

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 2022-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a XXXX atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have a XXXX prepaid credit card. I can only spend money that is available on the card. 
Although the balance on my card was XXXX - American express approved a payment of approximately XXXX $ making a negative balance on the card and are now forcing me to pay the balance. 
American Express can not explain how a charge of apporximately XXXX $ was approved on a prepaid card which had XXXX balance for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.

Company response to consumer: Closed with explanation