BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: Professional Debt Mediation, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency is collecting for an apartment complex that I rented but I never lived in. I moved into the apartment in XXXX XXXX XXXX and my job sent me to California from XXXX to XXXX to XXXX XXXX. I never moved any furniture in and told the complex that I would be cancelling my lease in XXXX XXXX I knew. I would have to pay for breaking the lease but they added all kinds of fees for cleaning and repairs that could n't have been made. When asked for debt validation, the collection agency just mailed me a lease and a list of charges. The agency also continues to report the debt as late with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: ProCollect, Inc.
State: NY
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:
This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have attempted to refinance my original mortgage with Quicken Loans. Quicken is the original mortgage holder of our FHA mortgage. We turned in all of our documentation, which shows a combined income of over {$170000.00} a year, including a traditional profit and loss sheet from my wife 's XXXX XXXX. The refinance amount was {$450000.00} over a 17 year period at 2.8 %. Our credit is immaculate and our income is actually greater than when we originally bought the house. We received a denial letter dated XX/XX/2020, that says, Debt to Income : XXXX XXXX Income not supported. The problem was our Quicken Mortgage Banker, XXXX XXXX, has no idea how to read a profit and loss statement. Her misinterpretation of how a negative number represents income caused her to enter information incorrectly which caused this fiasco. I have been able to obtain approval with another mortgage company at a better rate and with a 15 year commitment in less than 24 hours with the same information I supplied to Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a bank statement from Bank of America, for a checking account that I never opened. I called the customer service number in XXXX and was hung up on when i tried to report this as fraud. I called back immediately after that and was on the phone for 2 hours, most of it was waiting to talk to someone, and this account was to be closed. Today I just received another statement. I don't know what else to do.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

I am a victim of identity theft. The fraudulent information information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file.

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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and Experian a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.

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 2016-02-24
Company: BBVA FINANCIAL CORPORATION
State: MS
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: Strauss Factor Laing & Lyons
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I can't log into my Aidvantage account. The wheel keeps spinning and then goes to an error page. I've tried this on three different browsers, first on XXXX and XXXX. in XXXX it doesn't populate the login box.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: SECURITY FINANCE CORP
State: TN
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 XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 2022-07-26
Company: Nelnet, Inc.
State: NJ
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:
Nelnet reported multiple accounts ( 15 ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with XXXX. XXXX has not removed the delinquencies. I can forward the email and/or other documentation on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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 recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.

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: EQUIFAX, INC.
State: PA
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 recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Diversified Consultants, Inc.
State: FL
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 transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-03
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my complaint is about Specialize Loan Servicing company.My loan was held by XXXX XXXX XXXX after taken from XXXX XXXX.In XXXX XXXX  give it to this company everything was fine until this XXXX when my insurance was increased. Immediately I made telephone contact regarding cancelling to a lower premium of which I did. You will note in the articles I send. After that was taken care by a person by the name of XXXX ext came a bill with a different payment. I spoke to XXXX who assured me that the insurance, monthly payments that I send and the total Escrow Balance that they quoted paid in full plus some overpayment.Why the overpay amount at first they send me a balance for {$4500.00} after I paid that they send me a different amount instead which is {$3800.00} you will also note in the receipts I send a correspondent requesting a new calculation since I paid the escrow in full and my taxes remains the same I pointed out that my monthly mortgage payments should be less.The new insurance is almost 1/3 of the new and still below the original which was $ XXXX.Up to the month of XXXX my monthly payments remains at {$1300.00} XXXX stated I should wait for a new bill while she make sure all the monies are placed in their proper place including the monthly payments that I still send'She also told me that they record only partial payment for the month of XXXX I send the copy to the company for it to be fix..In XXXX there comes an incorrect bill -- you will note I spoke XXXX relate the whole problem nothing is been done. While this is going on the company is sending me delinquent lettere two in each month.The payments varies each month XXXX it was {$20000.00} XXXX $ 1994.88+ {$50.00} XXXX $ 1994.88+ new fee and also escrow amount I am so frustrated, full of fear of loosing my house I am XXXX XXXX XXXX, retired I cant afford to loose my place especially when the problem is due to a company that refuse to make things right. I have to combine my social security benefit check with my retirement check to make monthly payment I am already stressed this problem is making my XXXX XXXX going through the roof. I do everything they requested still there is no cooperation on their path. when looking into this matter Please note My escrow Balance is paid in full by me. MY taxes amount remains the same and ( 3 ) my insurance is less than my original amount and less than 1/2 the amount of the {$5900.00} that is cancelled. with these in mind there is no accountant can calculate my payments to be more than my previous payments. It MUST BE LOWER THAN {$1300.00}. 
I am looking forward for your help. 
If there is anything that you need to verify you may call XXXX text or email me at 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 2022-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account No. XXXX of 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 response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.

Company response to consumer: Closed with explanation