BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one  dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail. 

Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous. 

False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services. 

Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call. 

After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.

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 2021-06-01
Company: EQUIFAX, INC.
State: MI
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:
Date of last activity appears incorrect across both of my CLOSED XXXX  XXXX accounts. Remove immediately due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Date of last activity appears incorrect across both of my CLOSED XXXX XXXX accounts. Remove immediately due to inaccuracies.

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 2021-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is currently a fraud alert on my credit file which I did not authorize. I disputed inquiries and then a fraud alert was placed on my credit file without removing the inquiries I disputed.

I would like the fraud alert removed as I was told would happen two weeks ago along with inquiries I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: SUNTRUST BANKS, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again. 
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income. 




I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired. 
This is second hand stealing from the US Treasury isn't it? 
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount. 
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX  not fully capable of managing their account.

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 2018-06-14
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX ( Sunday ) I received an email from XXXX XXXX regarding my XXXX XXXX credit card account. This account was opened in XX/XX/XXXX with a credit limit of {$1500.00}. In XX/XX/XXXX, I purchased one rug, one living room table, one dining room table set ( including chairs ) and a sofa and loveseat. At that time I utilized {$1400.00} plus, in addition to the delivery fee of around {$85.00} ; which used all of the available credit limit that I had. During XX/XX/XXXX, I decided to close the account. As soon as my first statement came, I was paying on my balance ; interest free for 12 months.

XX/XX/XXXX ( Sunday ), I received a letter from XXXX Finance department informing me that they were adding {$73.00} to my account because they claim that they never charged me for the rug. This is almost a year later when I received this information. I called on XX/XX/XXXX ( Monday ) to speak to XXXX ( name referenced in the letter ) and I was told that she was on vacation. I told the representative that I spoke to that I did not agree with these additional charges that were being added to my account 11 months later and that I would like to dispute the charges. I left a message with that representative for XXXX and I anticipated a call from her when she returned from vacation. On XX/XX/XXXX ( Thursday ), I called back to speak with XXXX because she hadn't returned my call. She told me that she did not receive my message and she was very rude and unwilling to answer my questions or listen to my dispute. I informed her that I would be making a complaint regarding this issue, she acted as if she did not care. 

On my next XXXX 's statement, the increase was already added to my account as well as the corresponding interest. 

I do not agree that a credit card company should be able to add a fee onto my bill, stating that they forgot to charge me for merchandise. I have not kept the best records but I am more than certain that I utilized all of my credit and that rug was charged to my account. I don't believe I as a customer should be held responsible for some type of " issue ' that they have claimed to find on my account over a year later that financially impacts my liability to that company. 

I will not ever do business with this company again. Bad customer service and miscellaneous fees being added to my account.

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 2019-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred to ShellPoint Mortgage XX/XX/XXXX. In XXXX of XXXX I requested them to tell me the PMI auto termination date both verbally and in writing. Over two months have gone by and after eight phone calls, they continue to refuse to provide this date. They say I was 30 days late in XX/XX/XXXX and say they can't remove the PMI and avoid telling me the auto term date. I told them several times that per the Homeowners Protection Act of 1999 they must provide me the PMI disclosure form furnishing the date but they act like no such thing exists. My loan originated in XX/XX/XXXX and either the auto term date has already passed or is coming up soon. I purchased my home for {$380000.00} and did a down payment of {$38000.00}. My loan is for {$340000.00} and the current principal balance is {$280000.00}. It is also my understanding the PMI should be cancelled the following month my loan was brought current based on auto termination guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: Information belongs to someone else

Complaint:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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: Account information incorrect

Complaint:
I rented an apartment on XXXX XXXX XXXX XXXX ( name of complex and name shown on my credit report ) in XXXX XXXX  on XX/XX/XXXX for a period of one year. In the lease agreement there was a clause saying if I get transfer to another job far  from that location I could leave my contract early, which it happen. I communicate the management that I received an offer to move to XXXX which I did in XX/XX/XXXX so I would be vacating the apartment in the end of XX/XX/XXXX. They told me that I was responsible for the remaining of the month in contract for that unit until someone else rents the apartment, I also had one month deposit on that contract. I left the apartment clean and perfect conditions, and I had friends and neighbors checking the unit if someone had move in, which it did within less than 30 days. So the month deposit I had given before moving in to the apartment should cover the month the unit was empty and getting ready for a new tenant. The rent was around {$1000.00} per month in the contract, and in the worse case scenario, I would had default in around {$5000.00}, but they rented the unit rightway due to the high demand on the area, but the management company put on my credit a debt of over {$11000.00}. I disputed and never received nothing from the credit bureau or the furnisher other then a letter telling me that the collection meets FCRA requirements. Everything it is in the contract, which they have a copy but I lost my when I moved to XXXX. The Fair Resolution. They should remove the collection from my credit as they rented the unit within the time of less than a month and so they could keep my deposit. or in the worse case scenario asked me for one other month of rent, which I offered several times to them when they called 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 2018-05-07
Company: Bliksum, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have since XX/XX/XXXX, asked for a balance sheet, what is our payoff, principle and interest. I am told they will request one after I've made the payment. It is XX/XX/XXXX and I till do not have anything that show how my payments are being applied and what my balance is. I think I have given them ample time to come up with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Investigation took more than 30 days

Complaint:
I sent a letter to Bank of America which according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX they received on XX/XX/2018. In the letter I asked them to validate & verify a debt they are reporting on 2 of my credit reports ( XXXX  & XXXX ) according to the FCRA. However I never received a response from them.

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 2020-09-23
Company: Credit Control Company, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control Company has again violated my consumer rights under the Fair Debt Collection Practice Act section 1692E8 with misleading and deceptive conduct by not acknowledging or updating these fraud related accounts are currently in dispute on my credit reports. Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old.  Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). Prior to entering into an agreement to pay off a debt, a consumer should ensure the debt is actually still due and payable. I also requested HIPPA release documentation which was never provided by Credit Control Company. Credit Control Company has failed to respond or mention this issue regarding my initial complaint and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: WA
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 XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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: Old information reappears or never goes away

Complaint:
I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.

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 2019-01-17
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a car in XX/XX/XXXX it was a XXXX XXXX and it was a total loss in XX/XX/XXXX, My Insursuce paid the depreciated value, Then there was a balance left which I had Gap Insursuce to cover the balance, But Santander Consumer USA didnt file a claim for it. They were trying to make me pay the balance So they ruined my credit with it by putting a charge off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a zero balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

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 2021-06-01
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage has continually paid my casualty insurance premium late, or not at all. I have spent 3 years fighting with freedom mortgage on this issue. 3 times this year theu told me they overnighted payment to my casualty insurance provider and have not done so. This year I had to pay my casualty premium for the year out of pocket in order to keep flood coverage.

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 2022-07-05
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation