BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: HF Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I utilized XXXX for a short term rental operation that is now shuttered. Their customer service had not been stellar from the start. 

My last tenant vacated the premises prematurely and demanded a refund of her monthly rent. This charge of {$2300.00} was reversed, leaving my business account in the negative. I was obligated to get the account back to {$0.00}. This implies that the debt was paid and settled with my financial institution ( XXXX XXXX ). I then closed this business account. The tenant also incurred a reversal charge on the XXXX platform as the payment was likely stopped by her financial institution. Conclusively, the amount totaled {$2300.00} and was credited to the tenant on my end. However, XXXX claims that I owe them, this amount. This means that I would be paying a penalty of {$2300.00} twice ( to the tenant and to XXXX ). Furthermore, this reversal of the {$2300.00} occurred in XXXX or XXXX of XXXX. 

I was contacted for the first time concerning a balance owed by the tenant in XXXX of XXXX. Yet, it was not made clear the repercussions or implications of this debt going unpaid or who owed the debt. I assumed that the client did as I responded to the XXXX correspondence and got no reply. 

I was contacted about the matter again in XXXX or XXXX of XXXX. I was not aware that there was outstanding debt that I was responsible for. I received no correspondence from XXXX XX/XX/XXXX through XX/XX/XXXX. Still, when contacted by XXXX this XXXX, the payment had been due in less than 30 days. I communicated with a representative via email outlining my concerns and confusions, yet the debt was given to HF Holdings, a debt collection agency. 

I was laid off on XXXX of XXXX and Im a XXXX XXXX XXXX garnering a XXXX XXXX. I provided documentation outlining my employment status to XXXX. XXXX only notified me that the debt was now in collections when I asked. Therefore, I reached out to HF Holdings myself in being proactive. XXXX has been poor and representatives of HF Holdings ( particularly XXXX XXXX have been unempathetic and condescending in refusing to actively listen to my concerns as debt collectors notoriously are. Although HF Holdings was able to coordinate a settlement with XXXX on XX/XX/XXXX, the lesser amount ( {$1900.00} ) would need to be paid by XX/XX/XXXX. XXXX unable to make any payments and do not believe that I was notified about this debt correctly or in a timely manner. Also in reiterating, the tenant received her {$2300.00} back from my financial institution with the help of her financial institution initially in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2019-05-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: HF Holdings
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During pandemic we couldnt keep up with rent and the landlord evict me, wife and XXXX kids because we owed XXXX months on prime pandemic. He had us in court but XXXX told him he had no case because we was not on apartment anymore. He saw me XXXX week ago with my vehicle and now am recieving calls from a debt collector telling me that if I dont answer in 24 hrs my credit and my wife credit will be damage. He told me that he nows I have a new vehicle and assets the will be taken away.

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 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Money was deducted from my bank account with the Bank of America without my knowledge or approval. On XX/XX/2021 and XX/XX/2021 two deductions of {$30000.00} each for a total of {$60000.00} were taken from my account. I immediately reported these losses to the Bank of America upon my return from a trip. I filed a complaint with the CFPB on XX/XX/2021 citing a complaint using the Electronic Funds Transfer Act ( EFTA ) Regulation E, My case number was XXXX filed on XX/XX/XXXX XXXX THE BANK OF AMERICA HAS NOT RESPONDED TO MY COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Inaccurate information on consumer report.

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 2018-04-10
Company: Equitable Acceptance Corp
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX pa XXXX, XXXX. I had a third party call me asked me to consolidate my loan called equitable acceptance is the name of the company, so thought I was doing that but I was paying this compay out of my banking account for 8 months. I discovered when I called XXXX XXXX XXXX that this company was a fraid because the nice lady told me the XXXX XXXX XXXX don't ask to pay them to consolidate fed loans. I was upset because I've been paying equitable acceptance money that was applied to my fed loan. I'm asking to investigate this company so I can recieve all payments back to me. Another complaints is that I was trying to get my transcripts from the school department in XXXX, but there's transcripts available from XXXX XXXX for me. I needed the transcripts to continue my education. I've called the school department in XXXX and the school XXXX there's nn transcripts. My question to this complaint is how can I be paying a student loan and there's no transcript available for proof of my education? Without transcripts I feel my diploma my time I decatied going to XXXX was just a waste? If my diploma valid? I can't use XXXX on my resume knowing the truth about this school. Please help me to solve this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions

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 2020-08-17
Company: Experian Information Solutions Inc.
State: KY
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:
I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 went to XXXX XXXX XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. 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 explanation
Consumer complaint received 2023-04-14
Company: HF Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collector from HF Holdings called me about a debt from a company called 60day credit repair.

When I asked to validate the debt by sending me the original contract, credit info, itemized billing, and proof of ownership that they are authorized to collect this debt, they refused and told me to call 60day credit and deal with them. They have called me and threatened to garnish my wages if I didn't pay them, yet they are refusing to provide information. 

Company : HF Holdings Link : https : //hfholdingsinc.comXXXX Operator that I spoke with : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-13
Company: HF Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced HF Holdings, Inc.out of XXXX Florida. I received XXXX phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regarding BBVA USA Tried logging into their app XX/XX/2021 and it says services not available try again later.No big deal I'm fine paying the late fee however on month later on XX/XX/2021 same issue. They put their hours for customer service online as XXXX - XXXXXX/XX/XXXX I call at XXXXXX/XX/XXXX and they have a message saying they are closed and they had changed their hours. 

I have been denied access to my online account. I had previous call and asked for a compliant to be filed because of my online issues. Previously it wouldn't process my payments. Instead of fixing the issue I can't even get in. Now my online ID is locked. But I can't call them since they posted wrong hours. 

They have in bad faith created a situation that will negatively effect my credit and financial future. Additionally they have posted fraudulent hours online. Which made me believe I had time to call. Which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: BMW Financial Services NA, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW financial services acc # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

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 2021-04-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In re to complaint # XXXX Closed on loan # XXXX Loan Care on XX/XX/2020. Failed to file mortgage discharge with the recorder of deeds for 109 days. Had a shell company file the mortgage discharge - called " XXXXXX/XX/XXXX XX/XX/XXXX' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}. 

Company lied in their response - NEVER sent a check for the above issue. See attachment. 

This company clearly is in the back pocket ofXX/XX/XXXXand CFPB as they continue to lie and obfuscate and damage consumers. They lie and XX/XX/XXXX and CFPB let them get away with it.

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 2023-09-21
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ally Auto admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXXXXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}

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