BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, A Division of First Tennessee Bank NA has purchased insurance for my house and has sent me a bill for the insurance. I have had continuous insurance coverage for this house and I have provided proof of insurance repeatedly. The Bank does not provide an email address to track and resolve the problem. This problem has been going on for months. I have contacted my local insurance agent who has contacted my insurance carrier and confirmed that the Bank is listed properly on my policy as mortgagee and on the Certificate of Insurance and notice has been mailed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Brown Law, PLLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For several years I 've been sending a payment to the XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Texas XXXX XXXX, ( XXXX ) XXXX. I 've always paid in a timely manner. Today my check was sent back as " not deliverable as addressed- unable to forward ''. I called the XXXX firm but the phone number is out of order. I looked up several sites online and I tried calling several other numbers but could not locate the XXXXXXXX firm. I came across the Brown Law firm and saw that their address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx, the same as the XXXX XXXX firm! Their phone number is XXXX XXXX XXXX XXXX. I called but since it 's after-hours, no one picked up. If my former XXXX credit card bill is no longer with the XXXX XXXX firm, or, if it has been taken over by the Brown Law firm, no one has advised me. I want to see something in writing telling me the status of my account. I certainly do not want to get into any legal jeopardy over this bill because I have been honorable in paying it and I want to continue to pay it until the account is settled. Can you possibly get something in writing from the XXXX XXXX firm and/ or the Brown Law firm telling me what 's going on? Since my check came back today, XXXX/XXXX/XXXX, I 've become very worried about this and I could really use some help. I mailed my check as I do every month during the first week of each month. I am timely about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
While making a purchase at XXXX XXXX, I was talked into signing up for a card in order to get a discount ( even though I was planning on paying directly ). With many people in line behind me, the signup went fast and the information given kept to minimum. After that I never received information about the card from XXXX. I never received a card, never knew the account number and never knew the card number or that an entity named Fortiva was in charge of it. 

Some time after I tried to pay by calling XXXX several times and even going there in person. Every time I was told they had no account associated to my name or SSN. Several times I tried to comb my email ( junk and inbox ) and the XXXX website, looking for ways to make a payment. All these attempts failed and I couldn't figure out how to pay. I tried combing through the XXXX websites as the XXXX site mentioned their cards were handled by XXXX. All in vain. 

After months of frustration and stress over this, I accidentally found text messages in my " Unknown senders '' folder, it alleged to be from a company named Fortiva, and mentioned a " XXXX '' account. It looked like a scam, but since it said XXXX I eventually decided to look up that link, though concerned it could be a phishing attempt or a virus nest. The webpage had several bugs ( one of my red flags for scammers ), and was very simplistic, asking for payment information but without the usual options. I found it to look very suspicious and was worried to submit payment information through it. I then called XXXX asking if they knew anything about Fortiva, they didn't. Having no other recourse, I kept calling the only trusted party, XXXX, asking about Fortiva. Eventually, an XXXX agent knew of Fortiva and explained they provide services for one of the XXXX card ; she reassured me that Fortiva would have my account information and gave me their phone number. I noticed the number matched the one on the suspicious text messages so I called them. 

I explained the situation, offered to pay in full and requested for late fees to be lifted, given the situation. They initially refused and eventually committed to lift a couple of them ; by then there were several late fees. It seems like a scam to me, they fail to provide proper payment information ( no letters, no emails ), only suspicious text messages and payment page that doesn't instill confidence. I imagine I'm not the only one falling for this and I feel that they need to correct these business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MD
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 have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The date set up and amount upon my payroll is not usually good at most time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX  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

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 2022-08-12
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OAC reported two separate medical bills on my credit report 1. ) In the amount of {$50.00} from XX/XX/2016 2. ) In the amount of {$120.00} from XX/XX/2016. OAC tis trying to collect a debt they brought and is not licened or bonded to collect debts in the state of Florida.

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 2023-07-17
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AR Resources, 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:
AR RESOURCES INC please validate this debt account number XXXX please send all supporting documents also my wet ink signature also the agreement contract with both wet ink signature of the agency you allegedly purchase this debt from because I didnt do any business with this company and I dont owe any money to you guys this identify theft if this account doesnt remove within 30 days I will pursue to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
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 SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE IMMEDIATELY

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 2023-04-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
On XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TD BANK US HOLDING COMPANY
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:
Target / TD Bank is reporting a charged-off account to XXXX that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: MA
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:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX, I went to XXXX XXXX XXXX to potentially buy a used car, a XXXX XXXX. I was approached by a salesman ( XXXX XXXX ) and gave me more information on the vehicle. I advised the XXXX XXXX that I have pre-approval from XXXX XXXX XXXX. XXXX XXXX advised me that XXXX is one of the lenders they typically use and the can view my pre-approval. I advised him that I did NOT want to have my credit pulled, because I don't want any other hard inquiries on my credit report. He then stated that with my pre-approval, that wouldn't be necessary. I then filled out some information about me and my wife to move further in the process. After the paperwork was complete the XXXX XXXX advised the business manager / finance ( XXXX XXXX ) to review and submit paperwork to blucurrent for finance approval for the car. XXXX denied the submission, I was then advised to go to XXXX to see why and if the denial could be changed. I went to XXXX and was advised by my loan officer that the asking price exceeded the value of the vehicle and they would be unable to finance that vehicle. On my way home I contacted XXXX XXXX  XXXX  and advised my XXXX XXXX that I would be unable to buy the car. A week later I receive a new loan application denial from XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX submitted an unauthorized loan application, I gave specific instructions NOT to run my credit or submit a credit application. The information I gave was specifically to look up my pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A old debt still remains on my credit report, Account Name XXXX XXXX  Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

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 2023-07-16
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

XXXX XXXX has been harassing me, I tried several times to amend with the company. 

Please remove from my account. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : I.C System, Inc {$510.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

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 2023-07-16
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account, I have been in contact with the credit card customer service XXXX and provided them with a copy of the police report. This credit collection agency never tried contacting me they just added this to my credit profile.

Company response to consumer: Closed with explanation