BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: HW Holding, Inc
State: WA
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:
XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

Thanks

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 2019-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For 3 weeks now I have been in contact with USAA Federal Savings Bank ; the amount that I am permitted to deposit via the mobile app is just {$1000.00} on my end ; on their end they are saying it shows {$25000.00} and they don't know what is wrong. They are telling me to put an incorrect amount on the deposit and they will fix it on their end. This feels dishonest to me. I need this fixed ; I have contacted them on multiple occasions but no one will get back to me.

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 2022-03-07
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for credit was told by creditors that I had numerous collection items on my credit reports. As a follow up, I requested and received copies of my credit reports from the three main agencies ( XXXX, XXXX XXXX XXXX ). Once I received the reports I found listed on my credit reports was Kansas Counselors with numerous negative items. At no time did they notify me of these items to allow me the opportunity to resolve or dispute. Since I wasn't given that right, I sent the firm a letter ( by regular mail on XX/XX/XXXX ) and a second letter ( by certified mail on XX/XX/XXXX with a proof receipt ). In each case I asked for a response within 30 days and requested that they validate the debts or remove negative items from my credit reports. As of today I haven't heard from Kansas Counselors with an acknowledgement of my letters or an attempt from them to address my concerns. Therefore, I am requesting CFPB help me resolve this matter that is impacting my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I habe had this debt removed over and over.  Its not mine.  I have been giving letter from hsbc and already sent to you several times.  Company keeps calling and harassing.  Telling me I better pay my debts from 2005.  Wouldn't get calls if I was paying my debt.not mine tired of you allowing people to rtepeatedly sell false information regarding myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Avant Holding Company, Inc.
State: AZ
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 opened an Avant loan in XXXX for approximately {$6000.00}. The account was refinanced with a new balance of approximately {$9500.00} and all payments were made on time. In XXXX XXXX as the pandemic engulfed the world, Avant transferred my account to a special temporary program that would lower my payment from {$430.00} per month to {$210.00}. This new plan began in XX/XX/XXXX with an initial due date of XX/XX/XXXX. I set up an auto pay with XXXX XXXX and the check was sent on XX/XX/XXXX. Please see attached bank page. However, Avant cashed the check but did NOT apply it to my account correctly. I have confirmed information of the check being cashed on XX/XX/XXXX making it ON TIME! I have attempted repeatedly to have this corrected. I am additionally attaching emails that were sent to me by Avant that were intended for another customer named " XXXX '' as evidence that this company was perhaps confused with my account. I do not even know a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, 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:
On XX/XX/XXXX I viewed my Equifax credit report. In the inquiries section I noted duplicate inquiries for XXXX  XXXX on XX/XX/XXXX and also for XXXX XXXX on XX/XX/XXXX. I disputed these inquiries online with Equifax, but my results stated these inquiries are factual information. Perhaps it was misunderstood that I was not stating that I did not authorize these companies to pull my credit for that date, but rather I am stating that there should not have been duplicate pulls for the same date for these companies. I did not authorize any duplicates. There should only be one XXXX XXXX inquiry for XX/XX/XXXX and one from XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: GA
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They keep verifying bankruptcy I asked them to remove it more than once who are they Verfied with because its no way it should be reporting it does not belong to 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 2022-03-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have a free account with Experian that I created to freeze my credit report ( thanks to a XXXX  data breach that exposed my SSN, driver 's license, and more ). Experian immediately started sending me numerous marketing emails. I logged into my Experian account and unsubscribed from all marketing emails but I still continue to receive emails with subjects like " Your Dark Web Results are Available '' and " Awaiting Review : Your Financial Profile ''. There is no way to unsubscribe from these and they contain text claiming that they are not marketing emails but rather notifications of changes to my account. But they obviously ARE marketing emails as, upon following the links in the emails, I am immediately prompted to upgrade my account. Further, if I dismiss that page and continue, every single page contains buttons that require an upgrade. 

Experian appears to think that by labeling marketing emails as important account notifications, they can continue to send them, with no way for recipients to opt out. This is deceptive and outrageous.

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 2021-10-18
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

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 2019-06-25
Company: Experian Information Solutions 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:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

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 2020-06-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data International placed me for collections XX/XX/XXXX for {$540.00} from an apartment complex I lived at. I only noticed it because I was checking my credit score about a week ago and noticed something was very off. When the gentleman called and first notified me about the attempt to collect, he told me I owed {$540.00} from the property. On the phone I never refused to pay, but I did ask for a written letter stating all of the information he went over. He proceeded to say it was sent to my old apartment complex ( which I moved from ) but refused to forward it to my current address or email address. After arguing with me and saying that he is going to have to send me to collections if I do not pay he finally took down my mailing address but I still never received a letter. I am not sure on the date when he first called because of the different numbers used to call in but I have a voicemail from XX/XX/XXXX and it shows we called back and forth that day as well ( I do have call logs if needed ). He called my cell phone a few times and even called my work before my office manager at the time had to tell him that we do not allow personal calls. I figured he could not proceed without me having seen any letter stating I owed anything so after time went by I figured the issue was dropped - which was just an unfortunate mistake on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: 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 have already sent a CFPB report on deleting this account that was not authorized by me to furnish and this account was not opened by me. I have been a victim of identity theft and due to that my lively hood has been damaged I have suffered a lot due to my credit score remaining low. Account : 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 2022-03-07
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX ) in XXXX of 2021 saying they had a client who wanted to purchase my timeshare at XXXX, XXXX XXXX, XXXX. I agreed to sell. The broker then said the escrow company that they deal with would contact me. I was contacted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX IL XXXX ( XXXX ). They told me I needed to pay the transfer fee that the resort requested to do the paperwork. They said to wire the money to the company that they deal with in XXXX ( XXXX XXXXXXXX XXXX XXXX  XXXX ) who had a Citi bank account in New York. Once I had done that, then they said that since XXXX started taxing transfers, I needed to send money to cover the taxes. Then I was told I needed to submit the brokers fee. Then I was told that Citi wouldnt release the funds unless a penalty was paid because the trust account was past the original time frame. I refused to pay that fee and requested that the deal be cancelled. They are now saying that I need to pay {$4000.00} more to cancel before they will refund my money. I feel this is a scam that was done using Citi bank. I would love to have my funds returned to me if possible. I have the wire transfer instructions and documents that were sent to me from 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 2017-11-07
Company: Manor Resources, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I 'm being threatened with repossession over a {$10.00} late fee. I 've paid it once, because I did set up the payment late. the biggest issue is the interest rate. The rates were presented as 3 % but when I received my paperwork, the interest rate is much higher. I recently paid off any out standing debts that were not included in my bankruptcy 3 years ago. I 'm trying very hard to get back on my feet and they are completely unreasonable. 
I have payments sent via my credit union 's bill payer service and there was a glitch last month. the payment arrived a few days later than scheduled to this error. I provided Turbo Title dba Manor Resources with a letter confirming as such from my credit union and I was again threatened with repossession over it. My payments are always received within a few days of their due date. My due date for the loan changed from middle of the month to the XX/XX/XXXX of each month.I was originally told I could keep my middle of the month pay date as it is better for my budget. I 'm trying to pay this off as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from National recovery as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. You have deemed the debt valid by putting it on my credit report before sending me written notice and allowing me the 30 days to dispute. I had no knowledge that I owed a debt to give to the client because I paid the company {$790.00}, which I was told that was all I owed. They should have billed my insurance dental for the dental procedure and medical for the medicine. I did a change of address with the post office, also if the mail was returned, that does not constitute a right to add a debt as valid on my credit, per the FDCPA guidelines. Your response said that I probably didn't receive any notices because you had the incorrect address and the mail was returned to you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During covid i selected to utilize the forbearance option on my mortgage. once the forbearance period ended, I was given three options to satisfy my outstanding balance plus getting back to my normal monthly payment schedule. Thinking it would be in my best interest to modify the loan to include the outstanding balance i selected the loan modification option. once selected i followed the trial payment schedule to a T. 120 days later the mortgage servicer Shellpoint was ready to modify my loan. 24 hour prior to signing the loan modification documentation i was notified that my credit report was hit by shellpoint with a over 120 day late payment on my mortgage. I contacted Shellpoint and they agreed i have been making my monthly trial payments and that payment is going towards my monthly mortgage payment. I have requested documentation from shellpoint that states by selecting the loan modification option it will adversely effect my credit report. No such documentation is available or has been provided. I asked how to fix this and they didn't have any suggestion but to file a complaint. why would XXXX XXXX or XXXX XXXX every provide options that would so negatively impact the end consumer. I have never in my life missed a schedule mortgage payments. My credit went from a XXXX to a XXXX over night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation