BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: MOHELA
State: TX
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 the 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: BSI Financial Holdings, Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
BSI Financial is my mortgage co. The CFPB filed suit on BSI and found them liable for mishandling of modifications, loss midigation ext. My mortgage was a XXXX XXXX loan and was heald by XXXX until XXXX  while I was in the process of a Help For Homeowners Hardships Modification FHA my loan was transferred to BSI. The modifications paperwork I signed was for a FHA HARP modification however BSI has my loan currently as a Conventional Mortgage and has charged me nearly {$20000.00} in fees and processing additional interest rates even the prior foreclosure, bankruptcy, modification processing fees even late fees that were occrued before the Modification was processed and applied. Modification fees, late feels previous deliquent charges have to be figured into the new loan amount of the modification, discharged or paid prior to the Modification closing. The law suit CFPB has and settlement against BSI is exactly what BSI did to my mortgage and I have struggled and suffer financially because of this. Furthermore the mishandling and false filing of my FHA loan to a conventional loan has caused me to not be able to modify my mortgage or use the covid relief aid available to FHA mortgages because BSI fraudulently altered my mortgage and did not file and process my HARP approved modification but processed my mortgage to a conventional loan instead. At the time of my modification HARP approval my mortgage was in default for almost {$17000.00} and my credit score was XXXX also my income to debt ratio was only eligible for a hardship HARP modification and barely qualifed and would never come near a conventional loan. BSI has caused me to loose more money and equity in my home than I can honestly put a dollar amount on. I have literally only been able to pay my mortgage and utilities because of this and am unable to modify the loan now or utilise my only available savings and assets the large amount of equity I have built in my home to live and prosper in life souly due to BSI mishandling my modification from a HUD mortgage to Conventional illegal loan that I can not refinance modify and barely survive paying. Please please help me I've contacted and done everything and anything to fix this for the last 3 years since I discover BSI fraudulently changing my loan classification. BSI says nothing is wrong and I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
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 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 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 2021-11-25
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Credit acceptance shows 180 days late when I'm on time and have made payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( November 19, 2009 ) ( quoting XXXX XXXX XXXX XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( 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 explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
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 have spoken with Equifax and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-02-10
Company: Brennan & Clark, Ltd., LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.

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 2022-04-26
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Dispute Letter have been sent to XXXX on dates below : Equifax - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters and emails to Equifax to confirm why my credit score dropped XXXX  pts XX/XX/XXXX XXXX there has been absolutely no changes on my report at all. XX/XX/2023 my score also dropped XXXX pts with no changes reported at all either. There was no balance increase on any of my credit cards, no credit inquiry, no collection activity or anything along those lines that would have made my score drop significantly 2x just a few weeks apart. Equifax has since ignore my request for answers. I am requesting that Equifax be held responsible for messing up my credit score for no reason at all. How is my XXXX XXXXXXXX but my Equifax is XXXX make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-01-24
Company: Round Two Recovery
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XXXX 2016 I was trying to clean up my bad credit by obtaining a home equity loan. There were a lot of debts I had to settle. 

Round two recovery was XXXX of the creditors listed on my credit report. I called them @ XXXX XXXX XXXX XXXX and spoke with XXXX. The first time I called she said they had no such debt with them any longer, they had sold my account to another company. She did not provide me the name of that company. Then a week later I called her to get a letter from them stating I did not owe them for the Finance company. At this time she stated that she had " recalled '' the account and now all of a sudden I owed her XXXX, after arguing with her about it and not having any idea how to prove her wrong I settled for {$4600.00}. I just received a check made out to Round two recovery for some reason and I am supposed to send it to her. I have tried to reach her at least five times over the last week and the only message I get is " this person has not set up their voicemail yet '' no sort of salutation of " Hello, this is Round two recovery ''. No way to leave a message. I am to say the least frustrated. I believe she is trying to get money she is not entitled to. I believe this debt was paid through XXXX XXXX XXXX during the same time. I do not want to send this check to her if she is not legit. It seems to me that this is a fly by night debt collection agency that is ran by this XXXX woman named XXXX, I did not get a last name for some reason. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2015-04-03
Company: Goldberg & Peretti, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.

Company response to consumer: Untimely response