BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Reliant Capital Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent information about XXXX and Reliant Capital Solutions validation of debt responses. 

Made, I believe two errors, " Scholl '' and " XX/XX/XXXX '' ... I did not proofread before submitting, but not only standby the statement as I assume it still clarifies my point about a document signed by someone other than myself. 

The " Scholl '' error should read as " School '' and the " XX/XX/XXXX '' should reflect " XX/XX/XXXX ''. Either way the structure and grammar was used is still foundational and valid towards the point of being on campus to sign a document in XXXX regarding a XXXX XXXX dollar debt. 

First validation effort had a thirty day window to resolve and extra time was given nonverbally due to COVID crisis. RCS requested validation of debt and it at first was not mailed to consumer at all, but also did not get addressed in full until XX/XX/XXXX. 

Third validation off debt attempt provides supportive documentation regarding document, stated to be signed in person by the natural person, " Promissory Note '' in excess of four thousand dollars, yet school records indicate no agreement by consumer and school to resolve matters in person and additional documents can support alibi of geographic location during the time of this document being possiblely forged ( please review bank statement ) RCS states they sent a letter in snail mail regarding validation of debt and nothing has come in the snail mail ever from RCS to XXXX XXXX XXXX and if so, it didnt reach me ... even with a dedicated mailroom and leasing office available for snail mail pickup. First time seeing any itemized statement is XX/XX/XXXX. 

No written agreement for removal of debt for payment arrangements has been tangibly made as of XX/XX/XXXX even though both accountszhould be deleted per both FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX where I highlight all the violations on every single account. 

-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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX/XXXXUnder Dispute XXXX   XXXX  XXXXUnder Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX/XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXTXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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 am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Uquifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according 15USC : I have the right to privacy and I did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ TransUnion and XXXX XXXX, XXXX XXXXXXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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 an account without my written instructions. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second complaint I file through cfpd.gov. We have been trying for years to get our loan modified through roundpoint and every time I has been impossible. The loss mitigation ( XXXX XXXX is our single point of contact ) constantly tells us sorry its human error and we have to start the process over. We received complete package acknowledgments and right at the 30 days something comes up and they deny the modification and ask us to start the process again. Because of the great amount of uncertainty with Roundpoint we have worked with a XXXX  counselor from XXXX and they helped is submit a completed package on XX/XX/XXXX ( before Covid ). Four months later and we have encountered same problems and the mortgage company has denied modification and told is they had noted the account to deny any further modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Because this company goes by 2 different names, I submitted a complaint for both XXXX and Lakeview Loan Servicing , LLC. 

Our homeowner 's insurance policy had not been paid by our mortgage lender, XXXX. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was put on hold for total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 12 days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from XXXX. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. XXXX also stated we may get billed for them having to do an overnight payment. I even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is XXXX. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. XXXX XXXX XXXX ( which also goes by Lakeview Loan Servicing LLC ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.

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: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX Balance : {$55.00}

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: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX : {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Car still hasnt been registered by the Dealership which they are required by law for any auto lease or finance. 

As well they forged mine and the co-signers signatures on the closed ended lease contract they sent to the bank. The copy they sent me 3-4 months after taking delivery are not signed. I had the car picked up by my nephew and everything was signed and notarized in XXXX XXXX so it wouldnt be able to be r Esigned at the dealership which I believe it was by the sales managers which no longer work for the dealership or Finance manager. 

XXXX XXXX XXXX  In VA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
1 ) I APPLIED FOR A PRIVATE STUDENT LOAN AND APPROVED FOR A IN XXXX FOR {$7500.00}, AND XXXX FOR {$9500.00}, BOTH AT A VARIABLE RATE. AROUND XXXX, WE RECEIVED A STATEMENT STATING THAT THE ORIGINAL PRINCIPAL FOR LOAN # XXXX WAS {$11000.00}, AND XXXX {$8900.00}. CLEARLY THERE IS A DIFFERENCE. ( SEE ATTACHEMENTS ). 

2 ) AT THE TIME, I NOR MY MOTHER ( CO-SIGNER ) WERE AS KNOWLEDGEABLE ABOUT THE STUDENT LOAN PROCESS AS WE ARE NOW. AFTER DOING SOME RESEARCH I FOUND THAT I SHOULD HAVE BEEN GIVEN THE OPTION TO APPLY FOR A VARIABLE RATE, OR FIXED RATE. THE FIXED RATE WAS NEVER INITIATED DURING THE CONVERSATION. WELLS FARGO FAILED TO INFORM ME WHAT MY CHOICES WERE, WHICH WAS BENEFICIAL TO THEM, ALLOWING THEM TO MAKE A SUBSTANTIAL PROFIT FROM THESE LOANS. BOTH MY MOTHER AND I, HAVE BEEN MAKING PAYMENTS SINCE XXXX TIME FRAME UP TO XX/XX/XXXX. FROM MY CALCULATIONS, THOUSANDS OF DOLLARS HAVE BEEN PAID TOWARDS THE BALANCES. OVER AND ABOVE WHAT IS OWED WITH INTEREST. IT IS MY BELIEVE THAT WELLS FARGO ENGAGED IN UNETHICAL, AND FRAUDULENT BEHAVIOR IN AN ATTEMPT TO MAKE A PROFIT, WHICH THEY HAVE CERTAINLY DONE.

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 2021-12-15
Company: National Business Factors
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. The only way I have been able to get response to any request is through this system as National Business Factor phone lines are always busy ( I have tried more than XXXX times now ), and the doors are locked ( Yes... I actually went in person ). After almost 9 months of continued efforts, I have finally gotten all of the relevant documents to see what the debt is and how my insurance failed to pay the correct provider. My insurance XXXX account showed paid and never realized the check was never cashed by the provider. I am now looking to pay the debt and have the collections removed from my credit report as this was an error by the XXXX provider AND the only reason it got to this point was the failure of communication from National Business Factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: ZIONS BANCORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.

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 2021-02-23
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
around XX/XX/XXXX I purchased the XXXX XXXX {$9.00} XXXX XXXX membership. I forgot the login information and couldn't use the membership. XXXX  customer service wouldn't help me rest login information so i told them to cancel my membership around XX/XX/XXXX. to my surprise the continued to charge my XXXX 's card in XX/XX/XXXX and XX/XX/XXXX. I didn't pay the XX/XX/XXXX charge because i wasn't using the card for months i didn't even realize the had even charged me for the membership until my credit score decrease alerts.I need to have this unauthorized charges reversed at once my home construction loan has already been cancelled because of my credit score decrease due to this unauthorized charge. I need my credit score updated at once to complete the construction of my family home

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 2020-09-08
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:
My Name is XXXX XXXX XXXX I would like to file a formal complaint / investigation against Equifax Credit bureau regarding reporting Inaccurate fraudulent accounts to my credit profile. I have sent them countless dispute letters I can confirm at least 8 letters sent Certified US Mail and successful Delivered please see attachment. They have never provided me a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 So I contract the creditor ( s ) Directly example XXXX XXXX where the did send me a copy of the fraudulent contact ( Never Once did Equifax send me any original documents from this creditor to show prove that this debt belongs to me ) I of course respond to XXXX  and Equifax once I obtain the contract myself from XXXX  that this was fraudulent I see where XXXX  Stop reporting on the account back in XX/XX/2020 ( please see attachment ) However this debt is still showing and being reported by Equifax despite myself providing them the contract that clearly shows that is not my signature cause I also provide them a copy of my social security card driver license and a Notarized statement I even went and filed a police report witch I am waiting to be assigned and detective to investigate this crime to take legal action against all parties involved This have been very stressful costly damaging to me! I believe that they are in competed of reporting accurate information I have sent them my driver licenses numerous of time and they continue to report my Birthday as XXXX even know I have told them shown them that is a fraudulent birthday not correct!! XXXX They removed XXXX  account from my credit report to only put it back on there 2 days later I have been disputing this for years and they have even fraudulent respond to my disputes Confirmation Number : XXXX saying it was nothing on my credit report but a collections account for a apartment complex but when I would check my credit report everything I would be disputing would still be on there as if they are not even checking the validity of the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I entered into a payment agreement with Navient, I would make monthly payments on the XXXX of each month for 14 months. In XX/XX/XXXX, my debit card was stolen. I wasn't sure if I would need to change my card number if Navient. On XX/XX/XXXX, I knew my payment had been processed so I called and updated my information. The payment was processed on XX/XX/XXXX and each month following my payment was paid. I got a delinquency notice in XX/XX/XXXX, my mother said her credit score had decreased because of Navient. I called and the man did a research request on my account to discover what the problem was because he could see my on time payments. I got a letter that said I had not been making full payments but I had been in accordance to my payment agreement. I called again on XX/XX/XXXX and the woman said when I updated my payment information in XX/XX/XXXX, she put in a request to have the payments corrected however would not give me any kind of confirmation of this. I asked for a copy of my payment agreement and she said it couldn't be sent out until XX/XX/XXXX and to not make any additional payments on the account outside of what I had agreed to last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
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:
You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported 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 explanation