BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company is currently putting medical debt on my credit report that I do not own. None of my personal information was correct. Nor had I ever had any medical bills that went in collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA mortgage that I started in XX/XX/2005. When Wells Fargo took over the mortgage they added an additional 10 years onto our 30 year mortgage without approval or explanation. They say everything is legit but the real big question is why has our home loan not gone down since we have been paying on it for almost 13 years now? Question two ... ... why would we restructure our mortgage for the same payment every month at a longer limit without trying to get money out of it for home expenses? Why ... .I will tell you why ... .WELLS FARGO is a fraud and liar to its consumers and they do nothing but cheat honest Americans!

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 2023-10-05
Company: EQUIFAX, INC.
State: NY
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions 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 have disputed unauthorized inquiries  on 2 occas ions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  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 2023-08-01
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:
This is the second time the items below displayed an aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties XXXX, Trans Union, XXXX that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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 2022-03-24
Company: AMERICAN HONDA FINANCE CORP
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX XXXX and the following complaint has already being filed with the XXXX XXXX XXXX. 
I live in the XXXX Ky area and in the months of XXXX and XXXX I made use of one of the city toll bridges, Honda Financial Services XXXX XXXX XXXX, XXXX TX as the leasing agency received the {$4.00} each toll fee bills from XXXX XXXX and failed to notify me as the leasing customer, causing the bill to turn into a Violation Fee for up to {$68.00}. It was not until XXXX, 6 months later, that Honda Financial Services sent me a letter informing me about the existence of such fees. 
Then, I contacted XXXX XXXX the Toll Bridge Agency, to initiate a process that was supposed to pardon or reduce my toll fees, as they understood that I never received such notices. However before that process could be finalized, Honda Services went ahead and without informing me, payed the {$68.00} toll fee, abruptly interrupting my fee forgiveness negotiation with XXXX XXXX. In less than a week then Honda sent me another letter demanding me to pay back the {$68.00} that they ''had to pay '' on my behalf, then i proceed to file a complaint with Honda XXXX since, they not only failed to informed me about the bill causing for the same to turn from {$5.00} into {$68.00}, but also disrupted my process of toll forgiveness with the XXXX XXXX agency by suddenly paying the bill when they knew that i was trying to dispute it. 

Honda has given me no explanation as a customer on why my claim was denied, as I tried to dispute this besides '' it was management decision '', no explanations on why i was not informed of the incrementing XXXX XXXX fee when they had 6 months to do it, why i never received an email, a phone call or a letter. Honda just waited for the fees to turn into a violation notice that could even have affected my good credit history, and not happy with that Im being held accountable for their poor customer service, poor management, poor communication and mediocre performance. The reference number of my case with Honda Services is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I started doing business with  PayPal  in  XXXX  of   XXXX  . At that time my  credit score w as around  XXXX . Because I did a lot of business I was put on  a 21 -  day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my  XXXX  store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with  XXXX  ''.     During that time, due to funds being on my credit cards, my  credit score  took a temporary dip to  XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on  XXXX   XXXX ,  PayPal  checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my  credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal  is currently sitting on {$5800.00} and I 'm only  2/3rds t hrough the first round of reserves.     My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and  XXXX  kids, the money that PayPal is sitting on could pay off the loan of  one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal  since  XXXX   XXXX ,   XXXX  .     When I  ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior.

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 2017-12-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection under the name Online Information Services appeared on my credit report as collecting for XXXX XXXX. I never received any notices detailing that I owed XXXX XXXX any money. I disputed with XXXX and they returned a notice claiming they received verification of the debt. There is a note on the acct that also states repayment is managed by court trustee. I have no clue what they are talking about and would like this removed off of my credit report. I have attached the dispute result that I've received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: VA
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 hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX, XXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my credit pulled for as I have never had any credit and had an account from Credit Management LP on my credit report dated report date of XX/XX/2019. I called and spoke with a harsh rep as I have not had any accounts open with this company, she stated just pay my bills. I explained I have no idea what company this is as I have never used credit my entire life and she stated XXXX XXXX. I stated I live with my finance and she has her own cable which is XXXX XXXX so that can not be correct. I asked for documentation and an address that had this service, she stated she could not give this information and pay my bill. I stated I am not responsible for any bills I have not created. Asked to be sent documentation to my address showing I signed a contract or anything for this XXXX  place as there is no XXXX company any where around me. I told lady it is my right to have documentation along with my signature and anything else before they can just give any one services, as well as Credit Management has not contacted me either regarding placing anything on my report without giving me proper notice in writing. Had I not been checking my credit, I would never knew this was on my report. Lady did not want to help nor send documentation. I filed a report with the FTC for identity theft and also sent Credit Management written notice certified mail to send me documentation of me signing anything with XXXX, they failed to send me anything not even a bill which is against Federal Consumer Laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
have had Experian credit monitoring services for more than 15 years. Begginning about XXXX of 2018 I could no longer log on to my account. Have followed all protocol on Experian site to correct problem with no success. Have called - can not get to a person - only ends in dead end. Have emailed and have written letters to their XXXX   Customer Care address. No response going back as far as XXXX of 2018 ( earliest email ) and as recent as yesterday ( last email ) and 4 letters in between. Sent another letter today with cc to CFPB - 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 2018-10-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are 3 accounts from XXXX that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list XXXX  ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to XXXX, but they continue to harass me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Barnhall Financial Services, Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a XXXX XXXXXXXX bankruptcy in XXXX of XXXX. This account with Barnhall Financial is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.

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 2023-08-17
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No legal notifications. Reported as collection on my credit report for less than {$150.00}. Damaging my credit. Did not follow fair credit collection laws. Damaged my credit without legal notifications. Please investigate this bottom feeder business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, XXXX  and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, XXXX, Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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