BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Covington credit : constantly harassing me everyday sometimes 2 to 3 times a day. They told me awesome they can call me every 2 hours if they want. A couple days before she was saying she can call as many times as she want in a day.The calls started XX/XX/2032 and present time. On XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me three times, on XX/XX/XXXX they called me two times, on XX/XX/XXXX which is today they called me two times and the time that I talked to her today she said they can call every 2 hours if they want. The other days that I have not mentioned they called one time sometimes they call five days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

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 2023-11-01
Company: Experian Information Solutions 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. Account name : # XXXX XXXX Account name ( XXXX XXXXXXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX Account XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
This is an update to an unresolved issue!!! I just received my reinvestigation back from XXXX XXXX They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # PORTFOLIO XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report. Nothing of what they sent is accurate. The addresses on file are also inaccurate which is still a violation of 15 USC 1681 ( a ) ( 4 ) because they did not exercise their responsibilities with fairness. They are also in violation of 15 USC 1681 ( b ) because their investigation was not completed with accuracy nor relevancy nor proper utilization of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I obtained a loan from the Small Business Administration ( SBA ) on XX/XX/XXXX for the quantity of {$25000.00}. The monthly payment amount was {$93.00}. 

Covid hit and I was unable to make payments on the loan due to economic difficulties. On XXXX XXXX, I reinstated my loan payments. 

Nonetheless, the US Department of the Treasury, Bureau of the Fiscal Service referred my small business administration account to the collect company called Conserve for collections. 

Two weeks ago I contacted Conserve and informed them that I was going to make the payments, but I needed a payment plan. 

I must mention that since XX/XX/XXXX the US Department of the Treasury, Bureau of the Fiscal Service is debiting from my Social Security the amount of {$100.00}. 

Nonetheless, Conserve is continuing harassing me and telling me that they are going to be suing me for the amount owed, and they also increase the amount of the loan ( $ XXXX increase ). 

I need CFPB assistance in order to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My husband and I knew this was a simple loan with a high interest rate when we signed the contract. What we didn't know, is that we would be paying such unexplained, extensive fees that don't allow us to get ahead and payoff this loan. According, to our math, we estimate a balance of roughly {$5000.00} not {$13000.00}. We have had some health hardships and we have stayed in contact with Santander through this. The worst has been this last year when I was diagnosed with pericarditis, which resulted in a pericardial effussion ( my cardiologist believes from Covid, due to the timing and symptoms ). Unfortunately, I had to be out of work and again I was in contact with Santander, but apparently they continued to charge outrageous extra fees. 
XX/XX/XXXX - I spoke with XXXX in regard to a payoff amount. My husband and I figured we would be close since we had just paid off our truck for {$18000.00} that we had bought XX/XX/XXXX. XXXX informed me that we still have a payoff of {$13000.00}. He informed me of the extra fees, but was unable to specify exactly for what. I had asked for a detailed payment statement and have yet to receive it. XXXX was very kind and informed me of the Santander settlement and that is what is bringing me here. 
XX/XX/XXXX - My husband and I spoke with a Santander employee who was not so kind and very difficult to work with and once again, he also was unable to specify the exact reason and amounts of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and I noticed that I still have some inaacurate information up there I have already tried to fix this issue but they will not correct the inaccurate information

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 2022-09-28
Company: Experian Information Solutions Inc.
State: MS
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 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 explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX  XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992

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 2022-08-13
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XXXX, I called Equifax to submit a dispute. The Equifax employee took my information, listened to my dispute, then she put me on hold, and never came back to the phone call. Eventually my call was transferred to leave feedback as though the call was over. So I am writing to you and I wrote a dispute to Equifax on XX/XX/XXXX.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-02-01
Company: Consumer Adjustment Company Incorporated
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:
XXXX XXXX XXXX Original Creditor : XXXX XXXX Open Balance : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: GUARANTEED RATE INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed with Guaranteed Rate on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from Guaranteed Rate, XXXXnc. to Guaranteed Rate, Inc. subserviced by XXXX XXXX. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to Guaranteed Rate, Guaranteed Rate subserviced by XXXX, my Loan Officer, his supervisors, and Ravenswood Title. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There are about 4 checking accounts that where closed over the past 4-5 years due to overdraft! I made agreement with the banks for a payment that is owed, I would need a removal off XXXX XXXX an credit report! And the did not honor that! Banks : XXXX XXXX XXXX, citizens bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : 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 2023-06-09
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a random call from Advance Collection Bureau in XXXX of 2023 stating that I owed two different medical debts for services that I can not confirm are true or accurate. On the phone I requested information pertaining to the debt owed which included an itemized bill, who the original creditor was with address, and stated without a doubt that I was disputing the medical debts as I have yet to receive a bill related to any owed medical debts from any potential alleged creditor. The individual informed me that I needed to provide the dispute in writing and I immediately requested them to mail everything to the address on file including all details pertaining to the debt as I did not have an address to communicate with Advance Collection Bureau in writing. The individual told me that he was going to submit the bills to the credit bureau if I did not pay the bills of which I informed him that submitting debts to the credit bureaus was a violation under FCRA and medical debt under a specified amount was not allowed to be submitted. He told me he could and would do it and then hung up on me. Since I did not receive any paperwork as is required within the 30 days of the request and notice to dispute, I thought the matter resolved until today when I saw an alert on my credit monitoring of debts issued by this company in these amounts. It was only then that I had a name for the company that was saying I owed medical debt.

To date, I have yet to receive any communication regarding the two debts. On the phone I was told the first debt was for {$97.00} and the credit alert cites the bill is for {$93.00} and was reported to the credit bureaus in XX/XX/2023. The second debt was reported as being {$1300.00} and submitted to the credit bureaus in XX/XX/2023. As of this filing, I am still waiting on communication from the debt collector to accurately account for the debt in the manner in which they are legally responsible to communicate with me as I told them to no longer call me and that all communications must be in writing.

Advance Collection Bureau has failed to adhere to the basic requirements of consumer debt laws and other protections in place to include the reporting of medical debt that is less than {$500.00} to the credit bureau. Additionally, I never signed a HIPAA release form with Advance Collection Bureau regarding this debt and therefore I believe my HIPAA rights have been violated with their handling of my medical debt file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with explanation