BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: American Credit Acceptance, LLC
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:
I was attempting to purchase a home and noticed I had erroneous, inaccurate and damaging information reporting on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report because this is a defamation of my character. I am hereby requesting all erroneous, inaccurate and damaging accounts not be updated but removed from by credit reports as required by law immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020- XX/XX/2020 I had XXXX worked as a XXXX XXXX XXXX for over 20 years. the company sent paper to go to court. during this time covid was bad. I sent a letter to company and court explaining why I could come to court due to having XXXX and being exposted. they didn't reset a court day to give me a chance to dispute the case. They took an advantage of bad timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was involved in a settlement case in which I shared with thousands of affected borrowers against Ocwen, the mortgage provider whom foreclosed on my home illegally. Ocwen was charged with engaging in unfair and deceptive acts and practices in violation of the federal Consumer Financial Protection Act. Lenders and their loan servicing operations were accused of misconduct in determining whether foreclosures were warranted for thousands of high-risk " subprime '' borrowers who were having trouble keeping up with payments. Among other things, they were accused of misleading customers about the foreclosure process and alternatives to avoid losing their homes, and charging unauthorized fees. 
This illegal foreclosure has resulted in financial injury resulting in my being denied credit and obtaining another mortgage loan, due to the nature of the illegal reporting of the foreclosure on my credit file. I am requesting that this account be permanently removed from my credit file with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Atlanticus Services Corporation
State: MI
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 am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been incarcerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-07-04
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted Aidvantage on several occasions about my student loans that are over XXXX XXXX XXXX, by phone and email. I've researched about loans being forgiven after XXXX and XXXX years and wanted to know more information because my loans should qualify. At first nobody knew what I was talking about, trying to send me information or applications about other programs, saying my job doesn't qualify and so on. I told them it was about age of the loan and IDR. I submitted a complaint to the Department of Education after several phone calls and no answers. XXXX service representative even said wait in line, there are people with older loans, another said I have XXXX years only of payments. My first loans were disbursed in XXXX. Then same with emails after the complaint and someone named XXXX wrote back and forth with me saying she can't grant me that. Sorry you are angry, she said, but loans like mine need a special program to count the payments and that won't be available until the end of XXXX. So no information, answers or dismissal of my old student loans. She finally mentioned my consolidation loan in XXXX, which contains the old loans so she knows exactly what I was talking about the whole time. There is no special program, my loan just needs to be forgiven, in my research they said consolidation was included. So they want to deny forgiveness to make more money apparently and confuse people trying to clear these loans. I want real answers and my loan dismissed as soon as possible because it qualifies. I am not the only borrower with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Uber Technologies Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I got approved for a lease through Xchange Leasing ( an Uber subsidiary ) on XX/XX/XXXX with only XXXX down payment. I picked the car on XX/XX/XXXX and starting driving for Uber that day. The payment agreement was XXXX weekly. The problem here? First, I reported car issues on XX/XX/XXXX. Those problems begins with aligment, low coolant, transmission sometimes making rough gears after heavy usage during the day, and the car can tremble or start to fail on a stop when turning off AC for a while. I signed the contract and one of the documents said that the car was fully inspected. Second problem, they did n't took the first weekly payment from my Uber earnings as supposed, then it was really a pain to contact them and had the response on time, they only have email for our problems! The agent XXXX never told me if the issue was resolved or not, I had to give it a try to see if I can send the payment through XXXX, and it worked. Now the car was still with troubles and I decided to give up with this irresponsible company and return the car with only 2 weeks of usage. They are now demanding to pay up to 5 weekly payments, they will take XXXX of my XXXX down payment. I know that was on the contract, the only thing here, is that I did n't mean to break the contract on purpose. They gave me a car with serious issues and clearly not well inspected and now I have to pay the price for their fault? Seems to me this business is a complete scam. I only want them to stop charging me for the 3 remaining weeks because of all the troubles they caused me. It 's not fair that I wanted to keep the car and work and they did n't handle this with a properly manner and they did n't even care, only for the money. This a an hoax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought our property in XX/XX/XXXX and it was under my husbands name and my brother 's name. And within few months of purchase we transferred the property under a trust. And last year we have applied for loan modification in XXXX. And we have submitted proof like copy of recorded deed showing that the property is under a trust and copy of living trust to Midland Mortgage. But our mortgage company keeps adding my brother on the loan modification document who is no more the property owner and they want his signature on the document, which is not possible, because he is not on the deed. Midland mortgage is unable to resolve the issue for over a year now and now the interest rates have went so high that it has increased our monthly mortgage big time.

All we want is the mortgage company to put the trust name or the trustees name ( my husband ) on the loan modification document but they are unable to do so, as a result its under review for almost a year now and now they want us to sign the documents with wrong names and pay higher interest rate. 
i have submitted all the documents and proof on time but nothing happened. all i want is the mortgage company to offer me the same interest rate that it did earlier when i applied for loan modification. i don't understand how is it our fault if the mortgage company is unable to resolve the issue for almost a year now with all the documents and proof showing the property is under a trust. So why should i pay higher interest. 
And if this gets delayed for another 6 months and interest rates keep going higher then i guess my payments will be way higher than it was before Covid. 
please help to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}

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 2018-08-11
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter-Warfield was assigned a missed {$24.00} flex pay from XXXX which went unpaid when I did not not enter the renewal for my credit card with a new expiration date. They REFUSED to send me a written bill, They REFUSED to answer the phone. Then they REFUSED to answer my numerous voice messages that I left for them ... because hey its only {$24.00} bucks and they can not be bothered. Since they are so shady I REFUSE to make an automated payment. I will only pay by traceable check or money order. I am not going to place myself in a position where they are enabled to rob me and max out one of my cards or clear out my bank accounts. They are shady and frightening!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WAKEFIELD AND ASSOCIATES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: FIRST REPUBLIC BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased vanilla gift card at XXXX for {$100.00} on XX/XX/XXXX with XXXX activation. I quickly found out that it did not have all the numbers on it- it only had XXXX therefore defective. I sent case info on XX/XX/XXXX and feel like they are acting unethical in their refund/replacement process. I have included below an email I sent to them today. Ive made numerous (! ) calls but still issue a nresolved. I googled complaints online regarding these cards and the complaints listed are in the hundreds. 
Here is the email I sent today after also calling today. 
Case XXXX Please provide update. Ive called customer service 6 or more times & keep getting this info 30 business days to process n then 10 business days to mail. 
Then I was told I would receive replacement card by XX/XX/XXXX that did not happen. I purchased card XX/XX/XXXX and sent case information multiple times. Your company has confirmed my complaint and request as if XX/XX/XXXX. 
All calls that I have made since XX/XX/XXXX. I receive the same response. We have escalated your request. Call back within 24-48 hours & we have informed back office that this request is out of the standard processing time frame. I purchased card and it was defective. It only had 12 numbers on it. Please please process this request. I have done nothing wrong. I purchased a product and it is defected.

~~~~~~ Im not sure this is the correct avenue but thought I would try this way first, please advise accordingly. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation