BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: TN
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:
I contacted Experian by phone on XX/XX/XXXX regarding inaccurate information that continues to appear only on my Experian credit report. The creditor continually reporting inaccurately is XXXX XXXX and I have disputed the information both directly with them and now Experian. They are in violation of my rights as a consumer by reporting this for t

wo reasons. 1 ) the account has been reporting since XXXX and it is well beyond the credit reporting threshold of 7 years 2 ) the account is not mine, it is not even in my name it belongs to an ex XXXX XXXX who opened and used my information as a joint account without me present or my permission When I spoke to Experian on XX/XX/XXXX they agreed that XXXX, XXXX was in violation and could not continue to reporting an account to my credit for 10+ years. Additionally, they moved the same balance and account over to another account that they declared as written off in XXXX so that could report it longer. Both accounts are still on my credit report to this day. Experian advised me that they would open a dispute with XXXX, XXXX letting them know of the violations and then the accounts would be deleted from my file. I then get communication back on the dispute via email stating that XXXX XXXX again confirmed the information was accurate and that it wouldnt be removed. At this point, I am submitting my claim here as a last attempt to resolve this injustice against me. I know my rights and these companies can not report something for 10+ years. I have the documents and dates to prove everything too. If you can not get this resolved, I will seek legal action because I have the right to do so. I have already consulted with an attorney who did advise that I bring this to court.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/2021

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 2018-05-15
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/18 @ XXXX, I received a phone call ( cold call ) from a XXXX XXXX from American Profit Recovery. 
As he was looking for information for me to provide to him, I cut him off and started asking him questions that he could not answer, Including exactly what debt he was calling in reference to. Again, he could not answer. 
I first told him to stop all calls and send me any information by mail. I also stated that by making that statement to him, by law, all calls must stop. 
I also stated that all my accounts are in good order, I have excellent credit and have never had a debt collection in my life. 
Finally. I told him that I shall be reporting their scam to the appropriate Government Agencies. 
Again. This literally happened 90 minutes ago. Can't get much fresher than that.

I thank you for your time and consideration. 

I HOPE YOU ARE ABLE TO SHUT THEM DOWN SO NO-ONE ELSE GETS SCAMMED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX until present XXXX XXXX passed in XXXX required that all credit applications be considered on the basis of their actual qualifications for credit and not certain personal characteristics. I feel that I was provided inferior service because I filed bankruptcy in my past. I am aware that none of the statues or laws guarantees that I would be extended credit but they do exist to protect me from certain discriminatory practices that can cause me to be even denied an opportunity to even receive a proper consideration. I feel that I was discriminated not only because I have the bankruptcy but because I am also an XXXX XXXX ( the lender knew this because my picture is on my email profile when emails are being sent back and forth ) female. My application was dragged on an on for almost two months. I sent follow up emails to which many went unanswered. At one point I even requested to be transferred to a different loan officer that perhaps specialized in dealing with getting manual underwriting approval and was met with a ego. After being given the run around for over 45 days I was told I should try another lender. I also, called and spoke with her manager and never received a return call as promised. Now Interest rates have shot up and I will end up having to pay more that I expected to pay.

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 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with Bank of America for my mortgage. I was in a forebearance plan that ended XX/XX/2021 and I made my first payment on XX/XX/2021. I was then told I missed the deadline on the forbearance. I never received a phone call or letter stating that deadline. I worked with a woman at the bank who assured me she was putting me in a XXXX XXXX flex modification because of the bank error. She instructed me to decline any repayment option the bank offered so I could get this modification. She had her manager opt me out of them .XXXX  XXXX they notify me that my loan is being sent to a new servicer XXXX XXXX XXXX. 
This new servicer only sees that I opted out of the offers and refused to work with me on any other options to keep my home. Bank of America dropped the ball and now I'm at risk of foreclosure because of it. They should be responsible to complete what was started before the transfer or delayed the transfer until my loan situation was resolved. This had caused me extreme hardship.

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 2020-10-15
Company: Debtsy Holdings, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a federally protected consumer and Debtsy Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 BEEN CONTACTING XXXX, XXXX AND TRANSUNION FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.

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 2018-08-02
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/22 from XXXX XXXX and I gave the a call asking for a debt validation. I was told that in order to send this out I needed to provide the last for of my SSN or my date of birth after I gave the ref # to them. I called again on XX/XX/22 a at XXXX after calling more then XXXX times and each person I spoke with told me that is needed to provide this information to them in order to validate. I sent them a letter on XX/XX/22 asking to verify this debit as well. They are listed as the buyer if this debit on my credit report as well on XX/XX/22 after they sent me the letter on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2019 A debt collector/ Lawyer 's office started to call my place of employment months ago but more so in one week recently. The unidentified caller demanded payment and my personal financial information that very minute or else I will be sued as threatened in the past. I kindly asked for the calls to stop as I have before. That same week the same nameless person ( who refused to give me a name ) once again threatened of a lawsuit and stated I would be embarrassed at work for wage garnishments. Last call was a woman laughing and stating I will be in court and hung up .My place of employment has caller ID and all revealed the name of the same company and phone number. Clearly, this company does not honor the FDCPA rights. In addition, the main lawyer of this company has been in and out of practice due to violations of the California state bar. Now my lawyer needs to take action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ive received repeated calls of from this place claiming they need my statement because I have multiple lawsuits against from XXXX XXXX XXXX XXXX for a past due balance ( XXXX is my current bank which I'm in good standing with, this is also reflected on my credit report. ) and from a XXXX XXXX XXXX XXXX. XXXX XXXX is a bank in XXXX which is a place I've never lived and I have never banked with. XXXX   keeps threatening me with lawsuits and harassing me with calls trying to collect debts that are invalid/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
12 U.S.C. 5531 - U.S. Code - Unannotated Title 12. Banks and Banking 5531. Prohibiting unfair, deceptive, or abusive acts or practices 2018-BCFP-0008 Document 1 Filed XX/XX/2018 Account : XXXX I, XXXX XXXX XXXX, have been in constant communications with multiple representatives of Santander Consumers USA, each and every one of them, have a different misleading story.

Santander Consumers USA, Sent me a Notification Letter saying there's a refund for unearned Gap Insurance without a check for the amount of {$570.00}, this is deceptive and misleading a settlement Letter to the Affected Consumer. 

Santander Consumers USA, representative told me to send a email to unclaimed property department and that will take about 20-30 weeks to respond after the Consent Order comes to an end. 

Santander Consumers USA, has deceitfully attempted to mislead and unfair abusive practice. Affected Consumer, Santander Consumers USA, is in Violation of the Consent Order ; l. Respondent means Santander Consumer USA Inc., including when doing business as XXXX XXXX or XXXX, and its successors and assigns. 

m. XXXX XXXX means the optional financial product that Respondent offered to consumers in connection with auto loans, which purported to fill the gap between the primary insurance payout and the outstanding amount of the auto loan in the event that the vehicle is a total loss, and any similar guaranteed-asset-protection product offered by Respondent under any name.

9. Respondent also used the following language to market XXXX XXXX : Your auto insurance may be inadequate to protect you financially in case of a total loss through accident or theft. If your loan balance is greater than the current cash value of your car, GAP ( Guaranteed Asset Protection ) can be a great way to protect you. Your insurance payout could end here. GAP takes care of the rest d. Describe the processes for issuing, delivering, and tracking payments to all Affected Consumers, including processes for handling any unclaimed funds ; j. Include the form of the letter ( Notification Letter ) to be sent notifying Affected Consumers of the restitution, which must include language explaining the manner in which the amount of restitution was calculated and a statement that the provision of the payment or statement credit is in accordance with the terms of this Consent Order ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: QC HOLDINGS INC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am late on my payment from the XXXX and they reached out to one of my references and indicated I was late on my loan payment to them. When I called and asked XXXX, the collector not to contact my references her response was thats my job I know that the requirement for collecting can be contacting my references- if I dont respond and they can ask to get in touch with me- but she shouldnt be violating the law by telling them it is in regards to a delinquent loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MN
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : 1. XXXX [ Account XXXX : XXXX ] - Experian is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] XXXX XXXXXXXX XXXX XXXX [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I disputed harmful and damaging fraud items contained in my Transunion credit report. I sent them my FTC ID theft report and DL along with a formal request letter requesting those items be blocked/deleted pursuant to section 605b of the FCRA. Transunion continues to report these items as verified. This is a violation of my consumer rights under identity theft. The act of willful non compliance to this matter is steadily causing me damages. I submit this complaint in attempt to correct the wrong

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 2021-03-19
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation