BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Un-Authorized Inquiries 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 2023-08-22
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This creditor says I owe them {$1200.00}. The original debt was {$2300.00}. I have paid {$1400.00} since XXXX. My balance should only be {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to stop communicating with me. They continue to call me and send me written communications. XXXX XXXX services is not licensed to collect debts in XXXX XXXX XXXX. Further more per XXXX XXXX XXXX law the statute of limitations of debt collection in XXXX XXXX is three years. Per information reported by XXXX to XXXX and other credit reporting agencies the alleged debt was opened XXXX and is over XXXX XXXX XXXX therefore can not be collected per XXXX XXXX XXXX law. I requested account be removed via XXXX XXXX complaint and XXXX XXXX services is still illegally reporting and actively trying to collect a collection account on my credit and contacting after I have requested not to be contacted.

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 2022-02-08
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Evidence of insurance coverage placed letter sent in mail 3 times called several times unable to get ahold of anyone finally got ahold of someone after 2nd letter in which the representative stated that home insurance coverage lapsed because they never received a bill from the company. I had no idea this had happened until months passed. 

Formal insurance was obtained on my behalf as soon as I learned of the situation. Speaking with the representative she informed me to fax over the declaration page showing that homeowners insurance was in place and to put a note with it asking them to pay the premium from my escrow, which I did the same day. 

The representative informed me that this would be paid out and any monies remaining in the escrow would be sent to me in which I would have to mail directly back to the escrow department. 

Although everything was taken care of on my behalf I have not received any answers or a check. 

Fast forward to the beginning of the year XX/XX/2022. I receive notice that my mortgage has now increased over {$350.00}. I have spoke with one person who basically stated that we were basically awaiting for the mortgage to be re- analyzed. I have yet to get an direct answer about the situation at hand after leaving several voicemails and being kept on hold hours at a time. 

In the letter stating that my insurance has increased it also stated that my escrow was deficit, but at the same time the force placed insurance has already been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Reference is made to my complaint XXXX about HSBC. 

On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. 

Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. 

The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 

15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Mel S. Harris and Associates, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was sued by Mel S. Harris and Associates LLC under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, XXXX  which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, XXXX  that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in XXXX  where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the XXXX XXXX judgement. I walked away from the account and moved on. 

Sykes v. Mel S. Harris & Associates LLC was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in XXXX  also. The lost Judgement against me is still active in XXXX, XXXX  and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time XXXX  was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX XXXX  where XXXX XXXX XXXX XXXX  took me to court and I was granted an exemption and told to resolve the case in XXXX  so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in XXXX  and XXXX and simply had an exemption on it now.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase You have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. The XXXXnquiry was reported on XXXX XXXX. XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 

Thank you for your time, 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 2023-08-22
Company: AMERICAN HONDA FINANCE CORP
State: NY
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 with Fair Credit Report Act, Thus creditor DIVISION Of CHILD SUPPORT has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604A section 2, also states that comsumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under and open and comsumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told XXXX, Transunion, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-12-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX added a collections debt of {$920.00} to my credit. I disputed this amount twice. My most recent dispute was on XX/XX/XXXX with uploaded documents that state that the debt was paid and they have reported the wrong information. This company keeps on ignoring my uploaded documents and continue to say I owe them this debt, and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.

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 2023-12-29
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid in full but still listed on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I'm moving to XXXX for employment and they offer HSA through Optum Bank. Both XXXX and Optum Bank say the other party should be providing me with a full and complete schedule of fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I owe approximately {$27000.00} for student loan. I can not pay it. Its been ten years. I was able to pay for a while, but my husband had a XXXX XXXX and XXXX XXXX We had XXXX sons in college. I worked XXXX jobs. Still I could not make ends meet. Since then I have paid some but I had to take two years off. 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  My paycheck is my only source of income. I applied for a student loan forgiveness and I was denied. I was told that it was bc I attended a junior college in XXXX. It made no sense and Navient would not explain it to me. 
Numerous times I asked for a lower monthly payment but they would not. Navient claims that it is income driven. However, that does not include what it takes to live. For years I have wanted a home. Its why I invested in college. Navient has ruined my credit. I was not able to buy a home for my family. I had no credit. Without credit I have given up hope on ever having a permanent place to live. I applied for another student loan forgiveness. During Covid shut down I was at my school handing out lunches. I checked my payments and I have made the required payments. If I do not receive the forgiveness I want to why. Explicitly why. 
All the times I asked for a lower payment I Navient would never work with me. I have had my student loan in forbearance so many times. It was the go to when I could not pay what they wanted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only need credit to survive sometimes. I do not make a lot of money. I have nothing to take. Im not paying it. I have already paid a high price for Navient. 
Navient did not send information or offer the student loan forgiveness to me. I found it on my school districts page. I have a photo attached of the choices Navient sent me. For the payments I did make you cant I made any. Interest has added all back on plus some. Navient is not a fair company. I have harassed by this company. Last year was almost too much as a teacher. They harassed during a time I could not afford to be. Navient has never helped me. Navient should be invested and audited. The FTC has a good bit of information already on Navient. XXXX that should warrant an audit at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Your Bank is a third class bank, it is very hard to reach customer service and once you reach it, they keep on transferring you from one department to another, and each department wants to verify your account, US Bank used to be a very good bank, but lately its customer service has become horrendous. 

I've already sued you in the court, and I've already transferred my money to another account, right now my account balance is 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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 2023-08-22
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is filed against FRONTLINE ASSET STRATEGIES. This company has not provided me with ANY documentation such contract or application signed by me reflecting my social security number. I have tried to have them provide me with such documents for the past six months and nothing. I need CFPB to request to FRONTLINE any documentation that proofs that I own the acct showing my signature and social security number. Other than that ANY ANSWER filed by FRONTLINE is not valid without supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 did not give Trans Union or XXXX consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from 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 explanation
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
2 BANK OF AMERICA Credit Cards are being reported on my XXXX Credit Report, we are a victim of identity theft.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: NJ
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. An account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 accurate.

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