BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX 'S WHOLESALE LENDER and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or XXXX XXXX XXXX XXXX XXXX XXXX as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and XXXX XXXX to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. XXXX XXXX is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, XXXX XXXX stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. 



Name company : XXXX XXXX FKA XXXX Account number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I called the EPPICard number on the back of my card that Wisconsin issued me for my child support and the card kept saying my zip code was wrong so I got a hold of a lady in customer service and she said that the cards zip code was right and the card was active but when I went to go try it again, it said the same thing and was declined! I currently have no job and XXXX kids at home and all the money that I had to my name was on that card. I called them 4 times that day and every time I called them I was on hold for over a hour and each time they said nothing was wrong with the card! The next day I called them and asked them to fix it again and still nothing was fixed! The day after that I called and talked to a manager so  they said and they said that there was nothing they could do besides send me a new card and that it would be delivered at my house on Monday due to the virus and mail was slow ... Monday comes and no card! So I call them asking them to let me transfer my money to another account that I had and they told me that they can't do that and that there was no card ordered on that Thursday when that manager claimed he ordered me a new card so now I'm seriously upset and I'm broke and I have over {$14000.00} in my account that I can't touch and have to wait 2 more days now! I'm so sick of this debit card company, they make me sick on how rude and uneducated they act towards customers! Why can't I transfer money?!? It's my money!!! I feel like there playing games with my money and that's against the law! If my card does not come in on Wednesday, I will be getting a hold of the police and filing a report and getting a hold of a lawyer! This is so uncalled for and it's illegal to hold my money from me! I'm a single mom of XXXX and I need my money! I've had to beg and borrow from people just to feed my family and get them what they need and I hate doing that when I have money but I can't touch it! XXXX is in a few days and I have nothing for my kids! This card company should be ashamed of itself ... I'm calling my case worker and changing my deposit information to a different account! EPPICard is nothing but liars and thieves and something needs to be done with them! This is not fair and it's hurting families in more ways than one and I will take legal action if they do not stop it! I also have a voice recording of the last conversation that I had with them by the way, so I do have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from Equifax stating that they verified the bankruptcy through XXXX XXXX. I reached out to XXXX XXXX and put in a request for an investigation into where they got the bankruptcy listed. After XXXX XXXX completed their investigation on XX/XX/XXXX I received a letter stating they removed the bankruptcy from their records and from my XXXX XXXX Report. 

On XX/XX/XXXX I mailed letters to Equifax requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, Equifax investigation results letter from XX/XX/XXXX, the letter from XXXX XXXX dated XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX I called XXXX to follow up with my documents and was told that they did not see any documents from me and was advised to resend them online to myequifax.com which I did. Online confirmation number for this submission is # XXXX and # XXXX. I also sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at Equifax. 

On XX/XX/XXXX I called XXXX at XXXX to follow up and spoke to XXXX XXXX She stated that she did see the documents that I submitted online and that I needed to give them the remaining days of the 30 days to review. Once reviewed they will remove the bankruptcy and update my credit report. Confirmation number XXXX As of XX/XX/XXXX, I have yet to receive anything back from Equifax in regards to this investigation. Even with several calls after XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Second Round Limited Partnership, Austin, TX Branch
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:
On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. 

I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy. 
They should have to ask a person if they want to continue if changing from 'free ' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, 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:
Equifax violated XXXX of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 ) I requested a block pursuant to 15 USC 1681c-2 on XX/XX/2021 and Equifax has willfully violated my Federally protected rights and is Liable to me the sum of {$10000.00} for defamation of character and {$5000.00} anxiety caused as a result of the willful and negligent noncompliance of Equifax under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Original Account belongs to XXXX & XXXX I never used the service. they started billing me even i refused to start the service. i returned the phones because the company XXXX XXXX XXXX mailed me after misrepresentation. It was afraid from the company representative who met me in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  The phone 2 in quantity never opened or used. those were returned and accepted by the company. I call the customer service XXXX i was told you wont be paying anything. They took another {$82.00} which is still not returned. they send me notice for paying {$280.00}. I never owe the amount i never used the service, i returned the phones because XXXX rep tried to sell me with misrepresentation. Now they send my account to collection agency who calls me and threats me. i have excellent credit. XXXX has damaged my credit and reputation. please take action against the XXXX and Collection agency Thanks XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been dealing with Kay Jewelers recently over constant lies to me and misinformation. When i signed up for 12 months interest free financing i new it was on that particular item, 4 months later i bought another item not included in the 12 months free program and i asked will that mess up my interest free financed item they said no, well it did because at the end of the 12 months my balance was way higher than should be and i was charged back fees. their excuse was i was late multiple times which there lays another problem, anytime i missed or was late i called and paid it asap and asked each time was there a late fee and i was told no. they then said they can refund part of my account, {$160.00} dollars than after it posted they recharged it. i have called them numerous times. they will not help, they say they will look into and call back and i have been waiting on the calls, some of their tactics should fall under predatory lending since they told me i didnt owe any late charges when they knew i did and they knew that would cause me to not be at a zero balance at the 12 months as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING reported to three credit reporting agencies a debt that was not mine. It was a result of identity theft. I was able to get this deleted from two agencies. I struggled with my credit scores because of this inaccurate and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2015 I made a payment as agreed on an account that Second Round Collection Agency is collecting on, this is an old charged off debt from XXXX XXXX. The agreement was to make XXXX payments in the amount of {$75.00}. The first check was paid in order to start the process as indicated by the collection agent, XXXX. I made that payment as indicated by the check enclosed for verification. Each month I have made the {$75.00} payment and for the Month of XXXX I made the payment and also sent in an extra check, since I had more money put aside, in the amount of {$75.00}. I have a coupon book that was sent to me that shows the due date of each {$75.00} payment. I received a letter for the month of XXXX that they are going to draft out of my bank account, {$150.00} for the month of XXXX. This of course was not the original agreement and was NOT authorized by me. I called my contact at the collection agency today, XXXX, and she stated that when the negotiation was made at first in the month of XXXX, 2015, the agreement was to make {$75.00} payments bi-weekly. There is no agreement that was made with this company to make bi-weekly payments. My concern is that this company has not upheld it 's agreement and they are planning to withdraw funds from my bank account without my consent. In addition, the amount due as stated on my collection letter/balance is incorrect. This is a major concern for me as I have spoken with this company more than once to and even asked at XXXX time to receive verification of the debt and was told I did n't need XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: ProCollect, Inc.
State: TX
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:
This is on my credit report but I never received any information on it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have noticed that I have been charged late fees even though I make my credit card payments on the same day it's due and before it's midnight in my region ( Mountain Time ) It seems that the bank has taken advantage of me and charged late fees to the tune of {$170.00} for this year alone. 

Only one of these fees was reversed recently and not the rest

Company response to consumer: Closed with monetary relief