BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: Credit Protection Association, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has not validated the debt as required by law. I have not received my right to dispute the debt or received anything that validates this debt or the account that was reported.

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 2022-01-25
Company: Velocity Portfolio Group
State: TX
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:
I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. XXXX reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to XXXX but transition and XXXX blocked the fraudulent items and didn't reinsert them. 
XXXX is violating the fcra.

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 2017-07-24
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Below is the text of an email I sent to the Collector today. I also attached the certified cease and desist letters. I received a voice mail today from your firm and returned the call this afternoon. I spoke with an XXXX who stated I had two accounts assigned to your firm and only those two accounts. I received 30 day notices for two accounts with your firm in 2015 and sent certified cease and desist letters. I have the letters and return receipts. Your agent stated neither account was marked cease and desist. I find this hard to believe considering it has been a little over two year since hearing about this. I believe the more likely explanation is that your firm has a policy of calendaring accounts for some time in hopes the debtor has n't kept the records to prove a cease and desist letter was sent. I am on Social Security XXXX and I have no assets. Regardless of the explanation this is a clear violation of The Fair Debt Collection Practices Act. I will be sending a copy of this email and copies of the certified letters with receipts to the Consumer Financial Protection Bureau for whatever actions they deem necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

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 2022-08-17
Company: EQUIFAX, INC.
State: NJ
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 wrote them a dispute letter back in XX/XX/2022 asking them to investigate several accounts on my credit report and they never sent me a response. these accounts are reporting incorrect and are duplicate accounts same account numbers reporting multi times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
I paid my credit card bill off in full for the scheduled monthly payment and experian took XXXX points OFF of my FICO score. In XXXX, I used 1 % of my available credit ( {$16.00} ). In XXXX, I used 0 % of my available credit and the message that experian placed on my alert " could help or could harm '' was that I may have paid down my balance or closed an account. I just opened my Credit card in XXXX. I paid the balance off in full because EXPERIAN recommended that I do so on their homepage under tips when building your credit score. The following month I did the same thing and they didn't ADD XXXX point to my score. I am filing this complaint because if the Credit Scoring Company is operating this way - there is something terribly wrong. I inquired with the company and they told me that they do not have any control or do not assign the scores. However, this is a case where consumer protection is necessary from EXPERIAN. Even if they don't control/assign the scores, clearly, the system is not working if it thinks that I closed an account that was just opened in XXXX. A machine should not have the last say about negatively deducting XXXX points from my FICO score when I am doing all of the recommendations of this credit bureau and the others as well. And why wouldn't it positively impact my FICO when my monthly credit card usage is 0 % after paying my bill in full. Again, how is this happening with the Most Important Credit Card, FICO score reporting company. I NEED SOMEONE TO HELP ME- THIS SHOULD NOT BE HAPPENING!

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 2022-01-25
Company: Better Mortgage, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is with regard to my refinance with Better Mortgage Company of my home which we purchased from XXXX XXXX ( XXXX Model ) .I locked the rate with better mortgage on XX/XX/XXXX for 30 years with 2.75 % Interest rate. The vendor from their company conducted the appraisal and reported inaccurate report. I disputed the appraisal on the below points 1.The model of our home is XXXX from XXXX homes and the evaluator quoted it as a COLONIAL and compared it with other Colonial models. ( this concludes that this whole report is inaccurate ) 2. We come under XXXX school district and report quotes as XXXX school district. 

3. The Appraisal value was quoted a {$500000.00} way below the purchased price. 

We disputed and they apologized for their mistake and returned the Appraisal refund and extended the lock rate till XX/XX/2021 and promised to re-evaluate our home. 
As promised, they re-evaluation came up with a new price quoted as {$540000.00}. 
My dispute is : 1. Our home value as per the appraisal done on XX/XX/2021 is {$560000.00}. I dispute the appraisal reports from the XXXX as it is showing 2 % less from last year. I dispute this as the market rate is at-least 15 % high from the time I bought. considering three home comparisons that I provided from my builder They need to re-do the appraisal to get the accurate numbers. 
3. They need to extend my lock rate as we lost 3 weeks as the appraiser provided inaccurate information. The company is forcing me to withdraw my application. I requested you to re-evaluate the home appraisal as the market rate is at least 15 % high now and extend my lock rate and help to close my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: First Advantage LNS Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The property manager at XXXX XXXX at that time failed to follow company guidelines with assisting me vacating the property properly. The property manager approved the lease being broken early, signed off on property being returned ( keys and locks ), but failed to submit a claim that the apartment needed repairs within the proper timeframe under XXXX XXXX guidelines & procedures. 

I informed the property manager numerous times of the repairs needed, she told me not to worry since my account was in good standing. 

XXXX XXXX issued me refund move out check for an amount but later sent me to collections for a different amount than the refund check. I am demanding this account be deleted off my credit report since the property manager failed to follow proper procedures at XXXX XXXX. 

In the email, the collections department stated that the property manager failed to submit any claims for repair -- It is clearly factual that XXXX XXXX failed to follow proper procedures. 

In the email thread with XXXX XXXX XXXX department, it is clearly stated Our Accounting Dept moved quickly as the property manager did not submit their final inspection report with pictures. 

The property issued refund check on XX/XX/2021 to me, not National Credit Audit Corporation BEFORE the move out statement was issued which was XX/XX/2021. 

It is clearly factual that XXXX XXXX failed to follow proper procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. 

I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. Please help

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 2022-01-25
Company: EQUIFAX, INC.
State: CO
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 has been going on with XXXX, Equifax, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, Equifax and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My first question is if I don't give you my personal information. Example if I give you my personal information and authorize you to check. We could find and resolve. NetSpend XXXX a fraud alert came about. They sent me a text message block my card. Then I called and confirmed to block my card. They sent me a new card and they put it on another account. Which is mine with no money. I have called several times and had this money transferred. To the new account. I have to eat sometime. And it's still not there and when I call they put me through the same process. Also someone has all my electronics. My emails phone numbers. They might even contact you they're not who they are

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 2022-06-10
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter to CoreLogic requesting that a security freeze be placed on my account and to opt out of marketing products and services along with demanding that they not resell my information without my permission. With all of the fraud that is going on in the world selling my personal information without my knowledge and permission is unethical and against my right to privacy pursuant to federal law. I will be sending another letter demanding that they rectify the issue. If the issue is not rectified within 30 days, I will have no choice but to file suit in court. I sent a notarized letter along with a picture of my Passport, and a Bank Statement reflecting my identity and who I am. STOP PLAYING GAMES and Grant my request. Federal law requires them to comply. They are a consumer reporting agency. I could care less what they do. I did not ask them what their daily duties were. This isn't an interview for a job. The demand has been made. The next step is a lawsuit.

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 2018-02-14
Company: ENCORE CAPITAL GROUP INC.
State: IN
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 have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;

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 explanation
Consumer complaint received 2022-10-25
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I recently sent a letter to XXXX about the false information they were reporting and instead of removing the false information the company XXXX National Credit system ) updated it, when theyre clearly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Was offered a settlement by debt collector of {$1900.00} in    XXXX   of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder (   XXXX  University  ) since they o wned account. Debt collector responded that the offered was turned down by account hold er (   XXXX  Universit y ).  I then contacted the school personally and spoke to  XXXX   XXXX . She then instructed me the school would be willing to work out some settlement but the debt  collector   ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that.  XXXX   XXXX   ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt.     Direct line for me is  XXXX   XXXX   XXXX  ( cell  ) direct office lin e during business hours is  XXXX   XXXX   XXXX  ( offic e line ) Contact in fo for  XXXX   XXXX  is  XXXX  (  XXXX   XXXX   XXXX   Contact info f or  XXXX   XXXX  is  XXXX   XXXX   XXXX  ext  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Early Warning Services, LLC
State: UT
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:
EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: CA
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:
I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.

Company response to consumer: Closed with explanation