BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2020-02-01
Company: John C. Heath, Attorney at Law, PLLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am writing because of a problem I am having with a credit repair company Lexington law, which I hired last year to work on my credit issues. The company took my money for a year and showed nothing by way of results or even activity. When I called them to inquire as to what they were doing they would tell me that they were working on it and would only call me when they wanted money from me and to continue to sell their progress on my behalf. During the time I was under work contract with them nothing ever changed that I didn't initiate myself. And when they tried to take credit for changes in my file that I did as a result of on time payments or other small disputes for accuracy they actually tried to tell me this was the result of their efforts on my behalf and I would correct them and tell them it was not.

In the time that I was with them nothing ever changed, I was never contacted by a credit reporting company or a collector to negotiate or settle an account. Lexington Law took my money and fed me  lies in order to continue billing me. By my estimation they deducted close to {$1300.00} dollars and change from my bank and never did anything. They charged me for a months work in advance when I canceled. I am disgusted with this process and nothing was ever done. No results at all. I would like my money back from this company because they took advantage of me. I am asking this agency to help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX  made an error and changed my address which resulted in an increase in taxes for a lease payment. It took six months for XXXX XXXX  to fix the problem, it was fixed In XX/XX/XXXX. XXXX XXXX ended up owning me a credit back and told me to deduct that amount from what I owed in XX/XX/XXXX, which I did. However, they did not issue the credit in time. And in XX/XX/XXXX, they caused my account to go 30 days past due. I called again in XX/XX/XXXX and they finally put the credit on my account. A late payment showed up on my credit file I tried to dispute it with transaunion to no satisfaction.

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 2020-05-30
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have current premium checking which I had to upgrade and pay for had the account for awhile and I had some unauthorized charges come up and I filed them filed out there unauthorized charge form and sent it back in an email right away they said theyd be in touch its been over 10 buisness days almost 3 weeks and Ive heard nothing numerous emails Ive sent asking whats going on wheres my provisional credit if there investagating still nothing not a word back and I ask the people at support and there rude about it say they have non of that info disputes only does but I cant reach them so Id like my credits back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

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 2023-07-07
Company: SECURITY FINANCE CORP
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:
IMPROPER USE OF CREDIT REPORTING.

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 2021-05-29
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Took out furniture loan with a comp in Florida. Tried to negotiate with them in regards to the matter due to XXXX XXXX. They refused to work with me. They sold the debt to Avante USA located in Texas. Avante is the one I am writing this complaint about. Since they purchased this dept they have been reporting to all three credit reporting agency. What they have been doing since the start is the first of every month they are reporting that this is a new debt. They purchased this debt sometime last year. This company has been resetting this debt clock every month by falsely reporting the debt start reporting date they have been doing this since they bought it. If I understand the FCRA they are not allowed to do this. I only know about this company thru my credit report. I have not had any mail or contact with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-12-18
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by 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 2023-06-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: SANTANDER HOLDINGS USA, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX are closed as of XX/XX/XXXX and were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
Forbearance is not reflected in some of the closed servicing accounts and some of the open service accounts should be closed. 


Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have updated the XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. These items are now currently reflecting the payments from XX/XX/XXXX through XX/XX/XXXX as in forbearance. An email has been sent to you informing you that you may view the results of this investigation online. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX   XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at 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 2021-05-29
Company: Ocwen Financial Corporation
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:
I have a XXXX Balance and Closed Account with PHH Mortgage, as of XX/XX/XX/XX/2021 
On XX/XX/ XXXX XXXX of Obudsman and PHH Mortgage Servicers reported a Negative Remark to XX/XX/XXXX impacting my credit score -54 points. 
I NEVER disputed my XX/XX/XXXX Credit Report during the previous months, so why did XXXX or PHH add Negative Remarks to my XX/XX/XXXXCredit 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 2017-12-20
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt was removed off my credit report and added back on several months later. The debt need to be removed again off my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Would like to close Business Checking account effective today XX/XX/2020. 

We tried calling in but they were closed and online it wouldnt let us close it. We would not like to incur and additional fees and would like the account closed immediately. We just dont know if or when our business will resume.

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 monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # 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 2020-01-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm currently trying to get my credit score up and when i looked i saw that I have about {$10000.00} in debt from medical services at a few different hospitals and XXXX  when I had insurance that was supposed to cover it. I had no idea about these until I just checked my XXXX XXXX report. What do I or can I do to get these removed? They have destroyed my credit rating and now I cant do anything like get a home or car or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not recognize an account with this company. I have not receive written notice about this debt or had a chance to dispute the validity of this debt. Once I have received notice i can do my research and if it is valid i will settle with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
In XXXX, I was charged a {$15.00} fee because my balance went below {$5000.00} due to a bank error. The branch admitted the mistake and credited back the fee. They advised since it was their error the fee would not be charged again due to a low balance in XXXX. 

In XXXX, once again I was charged {$15.00} because my average collected balance was below {$5000.00}. However, the only activity was the charge of {$15.00} and the credit back of {$15.00}. I was assured that I would not be charged another incorrect maintenance fee. The branch was supposed to take care of this so it didn't happen again. I have had one issue after the next and am not happy. 

Once again, please credit back the {$15.00} since it was your error that caused it. Also, these errors are not going to impact the promotional terms and I will be collecting my promotional bonus of {$250.00} on XX/XX/XXXX. 

Please also make sure this does not happen again. I would suggest you put a fee waiver through XXXX, XXXX to make sure this doesn't keep happening. 

Since I was assured this would not happen again I am left with no choice but to also start filing complaints with government regulators to document this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home last year on a existing property kin XX/XX/2022. The mortgage payment was approved for {$1500.00}. My mortgage has been sold three times and is was with originally Rocket Mortgage, then XXXX, now XXXX. XXXX XXXX is increasing my mortgage payment now t {$2700.00} that is XXXX difference in monthly payment. The taxes were incorrectly calculated with the original lender and not in good faith. I dont even know where they got the calculation of taxes but it was far more than what they stated which now i am in a situation that is messing up my mortgage monthly payment. XXXX XXXX  has approved me to stretch it for three years to pay back but it reduces my monthly payment to XXXX this still increases my mortgage payment to over XXXX dollars i do not have. I need rocket mortgage to be penalized for fraudulant actions and adjusting the loan just so i can be approved but not taking into the account the real amount i qualified for would not been practical with my XXXX. Now i am in a situation that is not good for me nor my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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