BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-06-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in my chapter XXXX filed XXXX/XXXX/2016 case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: NELSON AND KENNARD
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Nelson and Kennard who represent XXXX XXXX, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked Nelson and Kennard to show me the form where i signed for this account. Nothing was produced. If i understood Nelson and Kennard they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt Nelson and Kennard or XXXX had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from XXXX it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My loan number with Honda financial services is XXXX social security number is XXXX XXXX XXXX is my name my date of birth is XX/XX/XXXX. I have 9 payment s remaining and my balance is XXXX I told Honda customer service that I'll be late for the XXXX payment and ask them if they can change my due date or get me an extension. Their refuse to grant Ethier one or other. I've been a good customer and my loan is almost pay off. Can you please ask them to help me in good faith thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID OFF MY DEBT. I NEED MY CREDIT REPORT AND PUBLIC RECORDS TO REFLECT THIS. ALSO NEED THE JUDGEMENT REMOVED AT THE COURHOUSE. IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
for a year noiw been having alot of troubles with phh mortgage since they took over the loan klast XXXX from ocwin ... this is the third time im contacting you for assistANCE ITS THE 3 DIFERENT PROBLEM IVE HAD WITH THEM THEY CONTINUALLY TAKE MONEY FOR ESCROW ACT BUT DONT PAY ANYTHING AND I END UP PAYING FOR THE TAXDS AND INSURANCE ... THEY WONT DEPOSIT THE MONEY BACK TO ME OF {$790.00} THEY SENT ME A CHECK IN XXXX THAT I GOT AND I WENT TO XXXX XXXX XXXX  AND DEPOSITED IT THEY IMMEDIATELY BOUNCED IT ON ME IT WAS WRITEN TO ME AND DEPOSITED INTO MY ACCOUNT AT XXXX   XXXX XXXX  COSTING ME {$12.00} IN THE CANCELED CHECK THEY PUT ON IT ... NO REASON DID THEY EVER GIVE ME FOR DOING THIS TO ME ... THEY SENT ME ANOTHER ONE AND I RIPPED IT UP AS NO WAY I COULD TRUST THEM TO DEPOSIT THIS CHECK AND GET IT BOUNCE AGAIN ON ME AND ANOTHER XXXX BUCKS I SENT IT BACK TO THEM TELLING THEM THIS ... WHAT DO THEY DO SEND ME ANOTHER AND I RETURNED THAT TO ... AGAIN STATEING YOU TAKE MY MONEY AUTOMATICALLY OUT OF MY BANK ONLY WAY I SEE YOU GETTING IT ACK TO ME IS ELECTROCALLY DOING THIS AFTER A YEAR OF SOLID MULTIPLE PROBLEMS TENDING FROM NO 1040 FORM FOR TAXES WHEN THERE WERE TWO OF THEM LAST YEARS AND NOT LETTING ME INTO MY ACCOUNT AND FREEZING IT ON ME TRICE ONCE IN XXXX NEXT IN XXXX AND XXXX..WHICH I HAD TO COMPLAIN TO YOU HERE TO BEABLE TO LOG IN ... I DONT GET A BILL FROM THEM ITS ONLINE ONLY TO THEY WONT TALK TO ME ON THE PHONE MULTIPLE TIMES HANGING UP ON ME IN XXXX XXXX XXXX XXXX XXXX AND XX/XX/2020 ... .I DONT TRUST THEM AT ALL ... .THEY BOUCE THE CHECK THEY WROTE TO ME I TRIED TO PUT INTO MY ACCOUNT AT MY BANK THEY NOW CLAIM CAUSE OF FRAUD WHAT FRAUD IT S MY ACCOUNT WRITEN TO ME ... AT MY BANK!!!!!!!!!!! ... .THEY KEEP PLAYING GAMES SINCE XXXX NOT RETURNING MY MOMEY CALLED AND THRETEN ME ABOUT NOT HAVING HOME INSURANCE IN XXXX BUT SENT ME A LETTER A MONTH TO LATE LIKE I SAY INCREDIABLE MULTIPLE DIFFICULTIES AS HOW CAN I TRUST THEY WONT BOUNCE ANOTHER CHECK ON ME IT HAS TO GO DIRECTLY IN ... OR PUT IT ALL TOWARDS MY TAXES AND STOP TAKEING MONEY OUT FOR IT ... .HAS TO BE A MONEY ORDER SOMETHING THEY WONT BOUNCE ON ME ... ONLY WAY I SEE IS DIRECT DEPOSIT TO ME ... PLEASE HELP WITH THIS HORABLE COMPANY PHH MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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 never gave Equifax prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Personal information incorrect

Complaint:
I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX My employer is The XXXX XXXX XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PASTOR XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
LVNV FUNDING LLC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNV FUNDING LLC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNV FUNDING LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Compliant of fraud against Champion Mortgage ; XXXX. 

On the XXXX of every month I pay Champion Mortgage on my loan at the rate of {$140.00}. However, this month was especially difficult because of unforeseen medical bills. Since I had not paid Champion this month, XXXX, XXXX, I called customer service and requested they defer this months payment until next month, XXXX XXXX. I was told Champion would agree to this. Assuming this was correct, I went to XXXX and XXXX to make purchases, but my XXXX XXXX debit card was declined. When I called XXXX XXXX, they told me the {$140.00} had been posted to my checking account, which exceeded my available balance, now at negative {$95.00}, ( including overdraft fee of {$35.00} ). This action was in direct opposition to what Champion agreed to. I called Champion again to ask why they posted the payment anyway, after telling me they wouldnt. I was told it was a mistake, and that a refund of {$140.00} would be issued in two or three days. This has not been done as of XXXX. 
I reached out to Champion several times, reminding them : I am XXXX years old on XXXX and have no other income except Social Security. Please refund this payment to help me avoid additional hardship. 

Update addendum : XXXX As stated in the aforementioned, I was promised by Champion Mortgage they would accept deferral of my XXXX, XXXX payment of {$140.00} until XXXX, XXXX ( when I received my SS deposit to my XXXX XXXX checking account ). Reason being, I did not have enough available funds to cover the payment to Champion, as of XXXX, XXXX. This morning, XXXX, I was informed by Champion, the refund was declined. Champion told me the deferral would be effective next month, not in XXXX. This is not what Champion verbally agreed to, Besides, if this was normal policy, why was I not informed of this at the time I requested the XXXX, XXXX payment deferral. I would not request a XXXX deferral to help add available funds in XXXX. This makes no sense. 
This action if not rectified would cost {$95.00} badly needed funds from available SS deposit in XXXX. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Tuesday, XXXX XXXX, 2017 I tried to use my Bank of America credit card to make a payment of {$750.00} to XXXX XXXX to purchase a flight to XXXX. This transaction was declined WITHOUT a representative from the financial institution calling me to confirm that I was, in fact, trying to make this payment. I had n't even reached 20 % of my credit limit for the month, and even with the purchase, I would still have 80 % of my credit limit remaining. I have never encountered an issue like this before. My credit score is higher than XXXX and I have never missed a payment! This is absolutely unacceptable and I feel that their practices are predatory.

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 2020-02-21
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my annual escrow shortage statement and called to discuss why they only allow me to pay a portion of the shortage and not all of it to keep my monthly payments level. The only reason I was given is that it was a RESPA requirement that they had to spread a portion out to each monthly payment. 

I explained that I have the money now to take care of the difference and that continually increasing my monthly mortgage payment causes a financial hardship throughout the year. The options they gave me were to refer me to collections to adjust my monthly payment. I don't want to adjust my monthly payment and extend the loan I want to pay the entire difference in one lump sum and keep my payments the same. 

I have reviewed Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) and I see that if the shortage is less than a monthly escrow payment I should have the option to pay it all at one time. My concern is the shortage is anticipated/estimated so they have no way of really knowing at this point that it is over the monthly escrow payment. 

I realize the law is there to help protect the person paying the mortgage but in cases like mine it can create a hardship and there should be an option to pay it in one lump sum. 

I have no way to contest that their anticipated amount is correct or not and therefore, request that you help me with PNC Bank 's estimate and find a way to stop them from continually raising my monthly payments when I have the means to keep them level by paying the shortage as one lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Van Ru Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I wanted to notify that there is XXXX ( or more ) people falsely operating under a legitimate corporations name in order to obtain personal information from people such as SSN, dob, names and addresses. 

After a repeated requests from my boyfriend for further information before he would provide any personal " verification '' they hung up. I researched the phone number and found they had been doing this as far back as 2009. 

I have listed their website below for your information and in case it assists you in any action you would like to take. I found it after listening to the original voice mail they left again and calling back " after business hours '' and receiving the recording. 

I just hope this is helpful to you in some way and they can be stopped from potentially ruining people 's lives and credit by stealing identities. 

Phone # XXXX Website : https : //www.vanruezpay.com

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 2016-01-23
Company: Merchants' Credit Guide Company
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation