BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: Franklin Collection Service, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Franklin Collection has been reporting 4 bad collection debts to my XXXX  credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After I won an unlawful detainer case against my previous landlord. Opposing counsel was informed of my sons XXXX XXXX and agreed he could not be held to any responsibility in this case. 8 heard nothing at all from my previous landlord or their lawyer. My phone number is as available to them and I had my mail forwarded but recieved nothing from them. On about XX/XX/XXXX. I had gone to my mailbox to get my mail and found an invoice from IQ Data international, a collection agency. One invoice had my name and I found another with my sons name on it. Both invoices were in the amount of {$12.00} XXXX. I dont feel as though I owe this information listed amount I called the collection agency to ask for the documents supporting the amount billed and to let them know that I was upset that I had no prior notice of this inflated bill and that I will dispute it. What action can I take to get this removed from me and my sons credit. The entire situation is nothing that I caused not even the eviction. How is it legal for this to happen??? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

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 2017-11-12
Company: HYUNDAI CAPITAL AMERICA
State: KS
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 purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.

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 2020-05-11
Company: EQUIFAX, INC.
State: FL
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:
After two attempts, Equifax has not resolved the issue of access to MyEquifax. I was given a password reset on XX/XX/2020 and attempted to gain access only to be transferred to a page to call the 888 number. Again the challenge questions asked have nothing to do with my credit bureau report that Equifax just provided me in the mail. I was then transferred to an agent after a 30 minute hold time and in the middle of explaining my problem the line went to a verbal survey and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There are multiple entries listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that multiple unauthorized credit inquiries have been listed, and continue to be listed after being informed that these inquiries were provided in violation of the FCRA, and continue to be listed in violation of the FCRA.>>>> As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et  seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of the unauthorized inquiries listed hereafter, as it is a willful violation of the reporting requirements of 15 U.S.C. 1681-1681x. Id. 40-43.>>> As stated in Transunion 's most recent XXXX, Transunion 's U.S. operations `` are subject to numerous laws that regulate privacy, data security and the use of consumer credit or an individuals healthcare information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. '' And, " The law contains an attorney fee shifting provision to provide an incentive to consumers to bring individual or class action lawsuits against a consumer reporting agency for violations of FCRA. " >>>> The continued reporting of these unauthorized inquires constitute both negligent and willful violations the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681-1681x.>>>> I both have placed a fraud alert on my Transunion report and requested a lock on my report so third parties, such as lenders or other companies, will not be able to access your credit report without your consent. Still, I just received an alert for a new unauthorized inquiry by XXXX XXXX XXXX>>> The following Inquiries are unauthorized, all others are verified as authorized : 1. XXXX XXXX XXXX  - Date : XX/XX/XXXX, XXXX>>> 2. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>> 3. XXXX XXXX XXXX - Date : XX/XX/XXXX, XXXX>>>> 4. XXXX - Date ( s ) : XX/XX/XXXX &XX/XX/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 2018-08-11
Company: William C. Grossman Law, PLLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Greetings.. On or about XX/XX/2018 I received a summons to appear in XXXX City Court or face a judgement on a old credit card bill. 

I'm XXXX years old collecting Social Security and a Veterans XXXX Pension.. 

Under Federal and New York State law these funds can not be frozen or garnisheed.. As long as there direct deposited. Except under certain circumstances these funds can be frozen and garnisheed, and the banks supposed to know which is which. 


I did talk to a Legal Aid Attorney and my funds are not to be frozen or garnisheed. So therefore I'm not obligated to answerer the summons unless I wish to. Since I do owe the money I'd more than likely lose the case and a judgement would be won by the creditor or debt collector. 


What my Legal Aid Attorney mention to me is that sometimes the banks freeze and or garnisheed account when they shouldn't and it takes a month or more to get the funds released.. 


What needs to be fixed by congress is as fine of {$50000.00} on the banks for freezing bank accounts that are not to be frozen or garnisheed and a {$5000.00} payment to the person that the account was not to be frozen or garnisheed. 


I'm asking you to sponsor a bill to punish banks that drop the ball on making sure that the funds in accounts are not frozen or garnisheed when there not supposed to be. 


This bill would protect all people who are collecting funds that are protected under Federal and State Law in all 50 states not just New York State.

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 2020-06-30
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For the past two or three years I've been on the income based repayment program which makes my payment {$0.00} dollars a month. I am still being billed for {$310.00} a month for unknown fees. I've tried calling but I never get through to anyone. I've been receiving this bill for two years now Starting XX/XX/19 to current. I don't understand what its for and why I keep receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Late evening of XX/XX/18 I called Citibank. After spending about 15 minutes identifying myself, I was helped by a woman in the XXXX I think. She was nice enough, but didn't have many answers. I called because CitiCard had charged me {$82.00} interest on the previous statement. Theprevious balance coming into XXXX was {$6900.00}. I had had trouble getting on line to make payments in the previous month and my interest charges were {$66.00}. I wanted to terminate the high interest charges so I called Citi and asked how much I had to pay to avoid further interest charges. I was told that all I had to do was to pay off the " new balance '', XXXX. So on the date due, XXXX XXXX, I paid {$7000.00}, thinking that I could move forward with no further finance charges. Didn't happen. And the Citibank card center lady had no explanation. When I make a sincere effort to pay the correct amount and am misinformed, I think that Citi should make it right.

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 2018-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage made unauthorized changes to the terms of the home mortgage. The bank extended the loan an additional twenty years. Thus, increasing the amount of interest that my late husband and now I have to pay. By this increase, the interest for the additional years added to the mortgage totals {$600000.00}. After the passing of my husband, they are getting mortgage payments from me and threatening to take my home if I don't pay, while I did not sign anything for this loan. Now, they are adding to the length of the loan another 20 years. 

They also increased the mortgage from $ XXXX/month to  $ XXXX/month. For a period of five years, without me or my late husband 's knowledge or consent, they did not apply any of the mortgage payments to the principal and they extended the length of the loan to another 20 years. I am paying and paying and see that my credit does not change. 
Wells Fargo sent private confidential financial information to a person named XXXX XXXX, who lives in XXXX XXXX, XXXX. Wells Fargo is a thief. I need help from somebody to put these unethical, deceptive and predatory thieves liable for their illegal and fraudulent actions. What is this 20 years they added to these payments? Please help! 

While my husband was living, he had a corporation, in which all of his receivable accounts was going to Wells Fargo ( Wells Fargo account numbers XXXX and XXXX ). Without my authorization or notice they gave these accounts to the employee of the corporation. This Wells Fargo is out of control. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have followed everything requested by identitytheft.gov, sent and faxed letters of the requested information to XXXX XXXX, and this is still showing on my credit report. I did not take out a loan with this company, i gave no one permission to do so, and this is adversely affecting me personally. I would like this fraudulent information removed as XXXX is the ONLY company that i have contacted that has yet to do anything about the identity theft i am facing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings Inc.
State: IL
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Santander Consumer USA , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/15 I was traveling back to the XXXX from XXXX on XXXX XXXX. During flight two charges were made one in XXXX XXXX and one in XXXX. Given that XXXX is 2200KM away from XXXX, and I was flying north, it is physically impossible for me to have made the charges. The two charges equate to {$860.00}. My flight left from XXXX at XXXX and we were at the airport at approximately XXXX. The flight went from XXXX to XXXX. The charges took place at XXXX and XXXX on XX/XX/XXXX, while I was in flight. 

I immediately contacted USAA when I saw the charges and several days later received a notification that the charges were legitimate. Again, this physically impossible that I could have been 3 places at once. 

USAA is doing very little to work with me and see they will get back to me but, it will take up to five days. They are not allowing me to speak to senior mgmt or their fraud department. I have uploaded supporting documentation showing them I was in flight and they continue to fail to work with me. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two credit cards with this Capital One. They have refused to update my credit balances with XXXX  XXXX and XXXX. One card hasnt been updated in over a year. I am trying to close on my home and will lose my earnest money I paid down if this is not corrected. Im trying to avoid resorting to a consumer attorney to handle the issue. I have callled then numerous of times with no avail. They never fix it. Both of my cards are showing maxed out to the limit and this is a serious issue when it comes to me closing on my home. I need serious and immediate help. 


The account numbers are Capital one platinum XXXX XXXX XXXX XXXX Capital one quicksilver XXXX XXXX XXXX XXXX As you can see one card was last updated XX/XX/2017 in the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.

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