BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: HILLTOP HOLDINGS, INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and Prime. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, Prime lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for XXXX  to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Ability Recovery Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Lend You Cash, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My identity was stolen. Along with my phone and wallet. All my social medias and bank accounts was hacked. I have no knowledge of these loans or accounts..

Company response to consumer: Untimely response
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX.a medical collection agency, and XXXX XXXX XXXX violated my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, Equifax and XXXX both refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: General Motors Financial Company, Inc.
State: FL
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 duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ALLY FINANCIAL INC.
State: FL
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 reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS  -  XXXX  and  XXXX    XXXX   AUTO FINANCING *  XXXX   XXXX   XXXX   XXXX  and  XXXX    XXXX   AUTO FINANCING *   XXXX   XXXX     -  XXXX  and  XXXX    XXXX   AUTO FINANCIN G *    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX    XXXX   AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    *   XXXX   XXXX   XXXX   XXXX   -   XXXX   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 2021-09-21
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an initial communications letter from Radius Global Solutions LLC on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: BROKER SOLUTIONS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Called to inquire about mortgage rates etc and XXXX/XXXX XXXX XXXX made multiple hard inquiries on my credit file without my permission. I in no way shape or form EVER gave permission for a hard inquiry. We have since contacted them multiple times attempting to remedy the situation yet they refuse. Those inquiries affected my credit negatively enough to make my score now ineligible for a usda loan, costing me a home I had put an offer in. It is my intention to pursue this issue to the fullest extent of the law and use any and all legal recourse I may have. For them to make a mistake not once, but multiple times and refuse to reverse and correct theyre actions is absolutely unacceptable. I have it in writing where they admitted to this, yet refuse to fix it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-05-01
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a loan with MOBILOANS LLC and it was collected in 2019 by XXXX XXXX  And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???

Company response to consumer: Untimely response
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported an unauthorized fraud charge of {$82.00} from XX/XX/23 on my Citibank Double Cash charge card from vendor XXXX IL XXXX. 
I NEVER received any goods or services for this {$82.00} charge. I called the vendor on XX/XX/23 & asked what I was charged for & XXXX, phone rep, could not tell me & only said take it up with your bank! 
Citibank XXXX Citicards has refused to believe & help me!!! I am outraged that Citibank /Citicards refuses to stand behind their gold member clients!!!! Instead Citibank /Citicards is engaging in this fraud/theft by stealing this {$82.00} from me, their Citibank Gold Member . This is outward theft by my financial institution which I put my financial trust in!!!! I have contacted, via phone, Citibank & Citicards with my complaints numerous times to NO avail. 
Please help my with my consumer financial complaint. Absolutely NO one has any right to fraudulently charge my credit card without my authorization!!! No exceptions.

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 2017-05-17
Company: Experian Information Solutions Inc.
State: VA
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 've spoken with  XXXX  by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX  CO  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    DELAWARE   XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX      XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  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 2017-05-17
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On  XXXX   XXXX  I was charged a huge overdraft fee despite having opted out of " overdraft protection '' which is a creative euphemism for being able to charge exorbitant fees for a coffee accidentally put on the wrong card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2001.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!

Company response to consumer: Closed with explanation