BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), USDOE/XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-10-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX phone company since XX/XX/XXXX and stopped paying their services in the year XX/XX/XXXX because of added charges and fees that werent included at the beginning of my family plan. I stopped services with them and they ended up charging over {$3000.00} in debt harming my credit, and its an amount that I cant afford to pay especially when I did not use those minutes or time with their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I use a mortgage company called United Wholesale Mortgage ( UWH ) based in XXXX NJ. I refinanced with the mortgage company for a lower rate on my 15 year conventional mortgage. We closed the refinancing on XX/XX/2020. The mortgage company owes me {$8700.00} from the Escrow and overpayment of the Mortgage. I have yet to receive any check back from the Mortgage company. I have called multiple times to inquire and have still not received any money back from the company. Every time I have called, I have been promised an escalation and that the refund check would be sent to me immediately. Nothing has happened. I called for the 5th time today, and again customer service told me only a XXXX can help me and there is no XXXX available. 

I get the sense that this is a tactic the company uses to slow down or stop refunds checks back to customers. The customer service has been terrible and I want to lodge a complaint as this is money that my family needs during this tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had difficult XX/XX/2020 making my mortgage payment on time due to the coronavirus I was 29 day late just for one month Ive been able to keep my head above water during the pandemic Carrington mortgage showed on my credit report that I was 30 days late I have wrote them a letter and explain my situation for that month I received a letter back. Stating that they were obligated under federal law to report my 30 day late payment to the credit bureau I feel like that I did a pretty good job at keeping my bills paid during this pandemic I have got my mortgage caught up to date now I am not even running late and hope that this will help me delete that late payment for my credit report which dropped at XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, XXXX and trans union advising them that the accounts for XXXX XXXX bank ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to  dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.

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 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/, I sent certified mail requesting a 1099 form for a closed Toyota Motor Credit/Toyota Financial account as mandated by the Internal Revenue Code ( 26 U.S.C. 6041 ) to XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX ), acting as the Trust Indenture for Toyota Financial. The correspondence also included a Notice of Rescission and instructions on how to handle the security interests of my principal. The correspondence was returned as " Rejected '' due to an " incorrect department. '' This lack of clear instructions hinders obtaining accurate tax information, especially for canceled debts exceeding {$600.00}, potentially violating IRS regulations. 

XXXX XXXX failed to provide clear instructions on where to submit these requests, creating confusion and delay. This lack of transparency hinders my ability to manage my financial obligations and tax compliance, potentially violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires furnishers of information to maintain reasonable procedures for ensuring the accuracy of information reported. 

I am concerned about potential continued collection efforts and negative credit reporting for this closed account. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( b ), which prohibits debt collectors from falsely representing the character, competence, or status of the creditor. 

My correspondence included a rescission notice under the Truth in Lending Act ( TILA ), outlining specific steps XXXX XXXX should take regarding my principal 's security interests. Failure to comply may constitute a TILA violation.

SEC Concerns : 1. Trust Indenture Compliance : I am concerned about XXXXXXXX XXXX XXXX compliance with its obligations as the Trust Indenture for Toyota Financial. The lack of clear communication and potential inaccuracies regarding account status raises concerns about transparency and potential violations of securities laws.

2. Disclosure and Reporting Requirements : The missing 1099 form and potential inaccuracies in account information may impact the completeness and accuracy of disclosures to investors, raising potential concerns about compliance with SEC regulations regarding continuous disclosure and reporting requirements.

3. Potential Misrepresentation : The confusion and discrepancies surrounding the closed account and related information could be seen as misrepresenting the financial condition of the security, potentially violating securities laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AMERICAN EXPRESS COMPANY
State: RI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was appointed guardian of my father 's property in XX/XX/2019. 

Earlier this year, my father was manipulated by individuals he met on the internet to open credit card accounts with American Express. When I discovered this, I sent letters to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of this year, providing a copy of this court order appointing me guardian of his property, and providing a copy of the court order determining XXXX XXXX limited incapacity. 

Under the terms of these court orders, XXXX XXXX is not capable of exercising the following rights : XXXX. To enter into contracts 2. To manage property or to make any gift or disposition of property 3. To sue and defend lawsuits The letters also confirm that, as my father 's guardian, I did not authorize the opening of these credit cards and did not authorize any of the charges on these credit cards.

I have asked that American Express send a written response within seven ( 7 ) business days that includes : 1. A list of all accounts opened in XXXX XXXX name, the charges on each account and the dates of each charge on each account. 

2. Confirmation that the outstanding balances on all accounts have been cancelled 3. Confirmation that all accounts have been closed 4. Confirmation that the company has not made any negative reports regarding my father and these accounts to any credit agencies.

5. A list of all usernames and email addresses that have ever been associated with online access to any of the accounts Because I am the guardian of my fathers property, I've also requested that American Express stop sending business correspondence regarding these accounts to XXXX XXXX and send all such future correspondence directly to me. 

Most recently American Express has sent a letter dated XX/XX/XXXX to my father notifying him that a balance on an account has been referred to XXXX XXXX for collection. The total outstanding balance listed is {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MN
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:
My XXXX XXXX credit card and credit card account : XXXX issued by XXXX Bank thats currently listed on my XXXX and Equifax credit report is lost/stolen. My XXXX XXXX credit card and credit card account is lost/stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2017, I was taken to ER in an ambulance for a XXXX XXXX  injury - I was unable to move from the a lying position. I was released 3 hours later, many months later ( I moved so I did nit receive ANY notice in the mail ) I noticed on my credit report that I was in fact charged for the ambulance ride, given that I am a % XXXX XXXX XXXX XXXX wounded XXXX Veteran ambulance charges should in fact be included and fully paid for by the VA. Also it should be noted I notified the VA the same day I was released of the Ambulance ride. Now 3 years later and many many calls to the VA and the DEBT collector ( Aargon Agency Inc XXXX XXXX ) no one is helping and all they do is tell me to call someone else! they are fully aware they are just giving me the run around and this should not even be an issue given I am a % XXXX XXXX vet who was XXXX in the war and the VA states they DO cover these bills. I have a credit report that I disputed and under accuracy it reads * The payment history/rating is incorrect, the account is settled * and yet it is STILL ON MY CREDIT AS DEROGATORY. I am XXXX years old and living in a house that is contaminated with dangerous levels of black mold that is making me sick and I can not get approved for even a small home loan even though I have $ XXXX   monthly income due to this error and 3 other bills from the VA that are incorrectly being reported on my Credit report since VA should be paying all medical bills. Thank you for your time and thank you to the people who made this agency File number XXXX XXXX XXXX SS # XXXX XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV 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 2018-08-31
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: MS
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:
3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my Equifax made XX/XX/2021 1 on my XXXX  made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking and saving account was been closed on XX/XX/XXXX. The last status of the account is XXXX " Debit DDA - Check Charge '' with amount - {XXXX} and- {$850000.00}. Including another " CHECK OR SUPPLY ORDER PPD '' with amount - {XXXX}. 
I called Chase 's customer service and got the answer that due to the sender of XXXX of my cashiers check deposit won't be able to verified. The cashier check is {XXXX} and deposited on XX/XX/XXXX. Then they decide closed my account. I only got the {$65000.00} check but missing the XXXX} check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. Portfolio Recovery furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold, nor have I received proper validation from the original creditor. When I contacted the original creditor to inquire about this unverified account, I noticed that the balance on my credit report is not the same balance that the original creditor is reporting. How is this valid? I also received nothing in the mail leading up to this collection being reported. I am very aware that Portfolio Recovery is a repeat offender of illegal debt collection practices and consumer reporting violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from my credit report or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NC
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:
Hello, my name is XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 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 2023-03-08
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial has not applied one payment made my Ohio XXXX HAFS program. XXXXXXXX XXXX funds are misplaced or lost and was not applied. I spoke with XXXX and it was stated the payment was made on XX/XX/XXXX. 
XXXX HAFS program made a total of 7 months worth of payments towards my account but only six have been applied in total. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Also BSI Financial has over XXXX dollars worth of late fees on the account. They sent a letter telling me these would be removed because a 3rd party payer was making the payments. These are still on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the pat years my bank has changed so many times and every month and I did make a payments in time but for some reason it shows the late payments for few months. 
It shows late payments only from 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 2023-07-21
Company: Continental Finance Company, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had been charged and paid for Credit protection on my Verve credit card and they sent me to collections without giving me the opportunity to use my credit protection during my job loss. This is what the credit protection was for. This has caused my account to go into collections and to a lawyer.

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