BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or about XX/XX/XXXX, I received a notice from XXXX credit reporting agency that a collection for past rent was place on my credit report by Hunters Warfield for XXXX at XXXX XXXX, causing my credit score to lower by XXXX points. I never received a notice from Hunter Warfield or XXXX at XXXXXXXX XXXX  prior to them reporting this on my credit report, which is a violation of the Fair Debt Collection Practice Act that regulates third party debt collections. 

On or about XX/XX/XXXX, I spoke with the property management XXXX XXXX about moving out because of the 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 from my bedroom window. 

After our conversation, the property manager XXXX XXXX email a letter referencing our conversation and stated that she were sending a new lease agreement to me by email because my current least was expiring on XX/XX/XXXX, and it was XX/XX/XXXX. 

If a new lease agreement is not sign by end of old lease agreement. An additional {$300.00} would be added to current rent. Making residents renting on a month-to-month bases, which would increase the rent from {$1300.00} a month to {$1600.00} added onto the old least agreement. ALL residents would consider renting on a month-to-month basses. 

I feel this is why a new lease agreement was not sent to me because the property manager was trying to get me and the other residents into a month- to- month situation. 

After several months have passed and no new lease agreement were sent out to me. I reiterated to the property manager XXXX that since she never emailed a new lease agreement that it was obvious that she did not want me as a resident or trying to put me into a month - to- month situation. 

So, we schedule a walk through inspection with her assistance manager and the apartment was very clean, and I handed over the keys. This is why I am somewhat baffle to having a collection reporting on my credit report for {$1500.00} after not receiving a new rental agreement or a collection notice from Hunters Warfield or XXXX at XXXX. 

Maybe I would have split the different or come to agreement. I feel not receiving a collection notice from XXXX at XXXX or Hunters Warfield has violated my civil rights and Federal and state laws. I pray that Hunters Warfield and XXXX at XXXX be fine and penalize and this collection be order to be removed from my credit report immediately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I received a copy of my credit report and noticed that I had hard inquiries that I did nor request. The hard inquiries in question are XXXXXXXX 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 XXXXXXXX

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 2023-12-11
Company: EQUIFAX, INC.
State: GA
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:
An ex employee/ business partner XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Overland Bond & Investment Corporation
State: IL
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:
Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called car credit in XXXX XX/XX/XXXX. My finance company which is OVERLAND BOND financed me for a little over XXXX $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau XXXX. My payment is due twice a month with the amount of XXXX $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted XXXX  they expressed to me that no credit report was given to them since XX/XX/XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company overland bond they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was sold and bought because I was a victim of the Equifax data breach. I would like these items deleted from my report effective immediately. Equifax has admitted that I was a victim to the data breach but has done nothing. Please help me remove all illegal accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Receivables Management Partners, LLC
State: AZ
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:
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX Services Date opened XX/XX/22 Amount {$1000.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXl Date opened XX/XX/22 Amount {$1800.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/22 Amount {$870.00} Furnisher of information : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company 's : Ameri Home Mortgage I am XXXX XXXX  who has been approved to be tax exemption ( from property taxes ) based on my service connected XXXX. 

I've reach out to the mortgage company on serval occasions ( XX/XX/XXXX ; twice on XX/XX/XXXX ) regarding reducing my monthly mortgage payment based on my tax exemption. 

All documents were submitted in XX/XX/XXXX, after speaking with a representative from the company, the person stated they have all the required documents and it would take XXXX business days to complete the action to reduce the mortgage and XXXX mortgage would reflect the reduction in the mortgage. 

As of XX/XX/XXXX no action has taken place to reduce my mortgage. 

If the escrow account is short, the mortgage company would immediately take action to send out a notice for payment. I'm requesting that mortgage company take the same action with acting timely to reduce the mortgage based on the tax exemption. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer since XXXX and since XXXX I have been complaining to the bank about abusive fees charged to my account. few fees were returned, considering that I paid many, many. in addition, they have now decided to charge an additional XXXX dollars a month. they charge a fee of XXXX dollars for a debit of XXXX dollar, absurd, a disregard for the customer. I've certainly paid well over {$3000.00} in taxes alone. and there is no point in calling the bank that leaves you waiting for hours and nothing is resolved. since XXXX charging abusive fees!!!

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 2023-08-30
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
a purchase of XXXX was made at XXXX  with my cashapp account that I had no knowledge of or did not authorize on either the XXXX  of XX/XX/XXXX or XXXX  of XX/XX/XXXX. I proceeded to dispute this claim with cashapp as well as alerted XXXX. cash app gave me the funds back temporarily then today my claim was falsely denied with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

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 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 2023-02-23
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One sent me an email encouraging me to apply for one of their cards. I applied and was given a {$300.00} credit limit. I have used the card heavily to take advantage of the rewards. With only a {$300.00} limit, Ive had to make frequent payments to continue use. At first, it was great. Id make a payment and the available credit would adjust immediately. After a couple weeks of use, my account was flagged for fraud. I had to send proof that it was my checking account that I was making the payments out of. I followed their instructions and the fraud flag was removed. Just a few days later, I noticed that my available credit was still not updating after making payments. I called today, XX/XX/22, and was told that the system had now put a hold on my payment for 26 days until the payment clears. The payment fully cleared and posted to my account three days ago. Keep in mind, Ive never had a returned payment. The first Capital One Rep I spoke with gave me a list of things to avoid to help prevent the system from doing this. I havent done any of those things to cause the system to flag my account. It is my perception and belief at this point that I am being targeted or discriminated against by Capital One or the system because I have a lower credit score which has put me in a high risk category in the system. I believe that Capital One or the system believes that because of my current score, and my high usage, that I am a fraud and not capable of the high usage and payments Ive been processing even though I make a {$190000.00} annual income. How often is this happening to other Capital One customers? What are their profiles? Is this happening to other customers with credit scores in the 750 to 800 range? Or only customers with lower credit scores that Capital One believes are frauds like myself? If other customers are truly being treated the way I am, customer retention would be XXXX. Why am I being targeted and made to feel like Im a fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 Citibank N A XX/XX/19 XXXX   XXXX  XX/XX/19

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 2023-08-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23, I sent a letter requesting the validation of alleged debt. Ive received communication from this company that I owe them a substantial sum of money. I never made any contract with this company and do not accept their business or offer without validating I owe a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: ASSURANCE FINANCIAL GROUP, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home was totaled in hurricane IDA. The extent of my damages were over XXXX. My insurance company payed XXXX which doesnt even replace the roof. So I hired a lawyer. We successfully settled for XXXX. The checks went to the mortgage company now they will not release the checks for the lawyers and a contractor I had hired. And I put money in my home out of pocket. No one would help me so I couldnt pay mortgage and the repairs and I had no where else to go so I put what I could into the house changing Sheetrock and windows and floors. So they currently have 2 checks for a total of XXXX and are not releasing the funds. Idk what else to do. I need to get this roof finished so I can do the interior. Its been XXXX years Ive been dealing with this camping out Im basically homeless because without those funds I cant fix my home. I am living in it but its poor conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount : {$5000.00} I sent a letter to the debt company regarding to this wrong collection record on XX/XX/2023. However, I haven't receive any feedback from the debt company yet. 

I never live in this community before, so the debt collection record is unacceptable. I talked to the staff from the community, they confirmed that there was another person 's name exactly the same as my name.

Company response to consumer: Closed with explanation