BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!

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 2022-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC for my home with Citizens Bank. Citizens Bank first advised me that the appraiser required a mold inspection report to be done as I had mold or mildew in one bathroom, and that I had to pay for it. At the same time as advising me of this mold inspection requirement, two Citizens staff advised me that requiring such an inspection is highly unusual, as most bathrooms with a shower have mold and mildew, so it was surprising the appraiser would stipulate this. Upon hearing this information, I contacted the appraiser at XXXX XXXX XXXX about this mold inspection requirement. The appraiser told me it was a " lie '', she is not a mold expert and made no such representations in her report, and she does not use any of the " jargon '' indicated on the appraisal report sent to me from Citizens. Further, I simply cleaned the mildew off my bathroom and sent the appraiser and Citizens Bank 's Loan Officer pictures showing it was all gone. The appraiser said she would contact Citizens and the Citizens Loan Officer told me she would contact her appraisal department. Citizens then changed their statement and said they required the appraiser to modify their report and indicate in that report that a mold inspection was necessary. At that time Citizens stated it is in their guidelines to require a mold inspection when mold is visible. Thereby Citizens reversed its earlier statements about how strange it was for their to be a mold inspection requirement and that that requirement came from the appraiser. It seems inappropriate for Citizens to dictate modifications to appraisals as well. Citizens has certainly been telling me inconsistent facts. I believe Citizens is engaging in unfair lending practices. I can not know whether the cause is my ethnicity or the diverse XXXX community in which I live, but they engage in arbitrary and inappropriate business practices. As the cost for a mold inspection report in XXXX is {$370.00} and up, such additional expense would effectively make the HELOC cost prohibitive and unattainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cold call from Central Portfolio Control stating I owed a debut for a rental apartment from 5 years ago asked for proof of debut never received, company continues to call weekly for last 2 months with out ever sending proof of debut. I have asked them to stop calling until proof of debut can be provided as this debut was already discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a victim of hurricane Michael that hit the Flordia XXXX  on XX/XX/XXXX. I purchased a car XX/XX/XXXX because of a divorce, and repossession that took place on behalf of my ex husband. 
The car was financed by a subprime lender, Credit Acceptance. The car was totalled in the storm. 1 year later my XXXX children and I are still living in a family shelter due to losing our home and Credit Acceptance wants me to pay for the car. I have tried to get them to negotiate with me but they refuse. It's affected my credit negativity and because of it I can't even rent a home for myself and my XXXX children. 
I also tried working with XXXX XXXX concerning the matter but that hasn't helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: KY
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:
My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, XXXX, and Experian. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX  is reporting a fraudulent account with XXXX XXXX Experian is reporting a fraudulent account with Chase Auto, XXXX XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Navient Solutions, LLC.
State: AL
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:
Navient, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX and XXXX  credit reports to Navient 's Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since Navient has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Here we have a complaint about debt and disclosure. So I had a care credit card account with Synchrony bank and they sold my debt to a party that was not a " party '' listed in our original agreement nor is there listed in the agreement any clause that allows disclosure of my personal information to any third party. I suspect this is happening to all consumers of credit cards and it must be stopped. It's no wonder how identity theft happens so much because credit card companies that we trust have the ability to sell our social security number and other info to anybody when the agreement needs to specify all parties. 

My issue in particular relates to my debt being sold to XXXX XXXX however their information doesn't show up on my credit report, it just says sold to another lender and doesn't provide any name. When I called Synchrony bank they couldn't even explain to me this XXXX XXXX   address but they gave them my social security number and my address and information. 

This is very harsh for all people to have their personal info juggled by random companies who we cant hold accountable because there isn't an agreement between us listing their name. 

This issue has stopped me from getting credit and has caused me strife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: TX
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've called XXXX  numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

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 2023-02-27
Company: PREFERRED CREDIT INC
State: UT
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 did not do what the company said I did. An agent from the XXXXXXXX XXXX had my phone and information and did it all. I did not agree to any of this and my monthly budget did not fit in. The agent from the XXXX XXXX  lied about her intentions with my information and lied about the amount I make monthly. I did not agree to these charges And payments, I was told the company was covering it all. I do not have the product they claim I have because I did not agree with it after I found out what she signed me up for. I sent in a previous report please refer to it for additional information on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
Credit reporting agencies provided my information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 non-monetary relief
Consumer complaint received 2019-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is related to our previous complaint under # XXXX. You accepted bogus and fraudulent answer of the bank and I have to file a new complaint to provide evidence that the answer was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've called XXXX numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

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 2023-06-12
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: The CBE Group, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
They Sold it to a company and Now CBE Group was On Caller ID they would Make sure i get a Summons for court I asked For the Comanys Name She sed Dont bother looking it up you will not find it online and gave me the name XXXX XXXX And the only other Info she Gave me was her name was XXXX and told me it had to be XXXX dollars on a XXXX loan and sed i had to to pay her XXXX upfrount and XXXX in court Fees, Told her i dont work and only get SSI which is only little over XXXX a mo she sed it was NOT her issue why take it out if i could not pay it this happend in 2015 i live in the State of Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: TX
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've called Equifax numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. Equifax stated my dispute results will remain online for 30 days but I'm unable to see them. 
My Equifax credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted at work today and the voicemail stated that I needed to call the information department or charges would be filed in my county. I called the number and had the reference number. I asked them not to contact my work but he said that they wouls and that they could. He refused to identify himself or the company. He stated that the debt was from Jared the Galleria of Jewelery in the amount of XXXX. I asked him if I could work out an arrangement for XXXX a month because I was on a very tight budget. He said no we will be contacting your employer to garnish your wages and that they could garnish up to 50 % of my check. He said they would be sending a subpoena to my employer on Monday and I could deal with it then. He said that I was accused of defrauding and something else. He then hung up on me. I called back twice to try to work things out and get more information. He hung up each time and said that I could wait for the subpoena and not call that number anymore. The number that they had me call was XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation