BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$0.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CONTOUR MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a seller who signed a purchase & sales agreement XX/XX/19 with a buyer pre-qualification letter dated XX/XX/19 expiring XX/XX/19. When the loan process went through underwriting, they discovered the FHA rules had changed XX/XX/19 and declined the loan as the buyer did not meet the NEW guidelines. I received notice of the denial dated XX/XX/19 on XX/XX/19. I requested for the lender to pay me my {$1500.00} since I am out of pocket my mortgage this entire time since I reside elsewhere with rent. They refused. How is it ethical that you can issue a pre-qualification letter where the buyer met the FHA guidelines XX/XX/19 and valid for 120 days but then say they are only prequalified as of the date of the XX/XX/19 letter??? I signed a contract based off the validity of this letter and no other letters amending it. I feel like the lender should pay my binder of {$1500.00} since we received NO notices prior to the XX/XX/19 signing that the pre-qualification letter was not valid anymore or possibly compromised due to MAJOR FHA guideline changes effective XX/XX/19. The lender should not issue such pre-qualification letters if the language has been compromised by regulatory industry changes and no longer valid or at a MINIMUM send a generic notification to all pre-qual parties with active letters. Where are the rights to consumer in this matter as I am sure I am not the only person who suffers financial loss due to this. Lender should be held accountable for these letters or not issue them. Seems like its WORTHLESS if you say they qualified XXXX but valid for 120 days when that is possibly false. I don't expect them to honor the loan. I just expect to be compensated by them for what I lost due to no amendment or notification regarding the pre-qualification letter validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Titanium Funds
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Lender disabled vehicle WITHOUT notice AFTER I explained I was having trouble paying auto loan due to Coronavirus unemployment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2019 I went in to speak with the property manager at the club at XXXX XXXX to advise them that I had taken a job out of state and that I would not be renewing the lease and wanted to know what needed to happen for move out. I was advised that if I were able to leave by XXXX XXXX, 2019 they had someone who wanted the apartment and I would not incur any additional costs. I began the process of move out and was out of the apartment by the agreed upon date. I attempted to contact the property manager to get the keys to her and she stated that she was showing apartments and I should bring her the keys the following day which I did. The property manager asked for an address at my new residence so she could send me the final bill for water and trash removal and I was verbally advised that this amount would be the only thing that I owed ; however, I ended up with a collection account for rent that was not owed per the verbal guidance of the property manager. I never received a bill. I have sent all of my supporting documents for the move out to the property in an attempt to resolve this concern ; however, they will not communicate with me. On XXXX XXXX, I went to my XXXX XXXX and attempted to apply for an auto loan at which time I was turned down for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Midwest Recovery Systems
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX  and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into Huntington bank in XXXX XXXX with a promotion code that offered {$200.00} bonus when a new checking account is opened along with a {$25000.00} deposit into a money market account. 
XXXX XXXX is the person who keyed the promotional code checked it, opened my account and said that I will get my bonus within 90 days. She also assured me that I will be assessed a monthly maintenance fee because she is going to link all my accounts together. 
I went to the bank again in about a week to confirm the day I would get my bonus of {$200.00} she confirmed that I will get it in my account by the second week of XXXX XXXX. 
Today is XXXX/XXXX/XXXX I still did n't receive the bonus, also my account is being charged a monthly fee for XXXXwo months. I called five times over the course of three months, each time I would get only the answering machine and not a live person. I left couple of messages and no one got back to me. 
I finally kept calling over XXXX times on XXXX/XXXX/XXXX to get to a representative who said that she would pass my name and information to XXXX. XXXX what same story she did n't get back to me. I called again on XXXX/XXXX/XXXX talked to XXXX who assured me that she will pass on the message and said that there may be a glitch in system and the fee can be reversed and she would make sure that she would have XXXX call me about the promotion and that she would call and confirm by the end of the day that she passed on the message. Guess what, neither XXXX nor XXXX called me back to resolve the problem. 
Called again XXXX/XXXX/XXXX, talked to XXXX, who was very rude by saying, why did I wait three months to call about the issue?? Now she is changing the story and says that I wo n't get the bonus because I did n't deposit {$1000.00} into my checking account?? 
But the code that she used is a different on. Now I know she did n't even put in the code for my promotion and telling me stupid stories to cover herself up. When I was in the bank with my {$25000.00} she was trying to talk me into opening all sorts of accounts. She is so careless as to not even linking my accounts together to avoid the fee like she assured. 
Bottom line is very bad customer service. I will not recommend this bank to anyone else and am planning to close all of my accounts. 
Thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Information belongs to someone else

Complaint:
I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to XXXX and Equifax to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

XXXX let someone change my primary address to a New York address that I have NEVER lived in. I XXXX the address it is a building with business. 

Equifax is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: SC
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:
I have contacted Equifax a total of 5 times about incorrect information on my credit report. I contact them last on today XXXX XXXX XXXX XXXX Because I have lots of hard Inquiries on my credit report that does not belong to me. So were made twice in the same day, month from the same place. When ever I call they keep telling me its nothing they can do, that the inquiry has to stay on my account for 2 years. I have ask to have my address and phone number undated and also have not had any success with that. I rep, that I spoke with last was very nasty to me and told me it was nothing he could do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 Nationstar Mortgage XXXX d/b/a Mr. Cooper withdrew an additional {$1400.00} from my bank account after my loan was payed off and account closed. This was through an automatic payment that was supposed to be canceled automatically after the loan amount was payed in full on XX/XX/2022. I have called and emailed customer support for them to return my funds, but have yet to receive any money. Nationstar Mortgage XXXX has taken my money and won't tell me when or how they intend to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and DIRECT LOANS partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: CA
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:
I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a certified letter to Transunion and XXXX  including my FTC ID theft form to Transunion and XXXX  certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my 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 2017-12-28
Company: The CBE Group, Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.

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