BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}. 

A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted! 

Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter. 

Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 am interested in disputing in all inaccurate information on my credit report with experian. please remove all invalid data that is hindering my file.

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 2023-01-30
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: Personal information incorrect

Complaint:
Update personal information. See letter attached.

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 2020-06-02
Company: LoanCare, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I refinanced a home loan from FHA to conventional. Loancare will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call Loancare because it's a total circus!

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 2023-01-09
Company: EQUIFAX, INC.
State: NV
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 filed an online dispute with Equifax letting them know that their credit report was incorrect on an account. Letting him know that the balance of the account is wrongly reported that I do not owe that amount of money.the credit card limit is XXXX and the balance is XXXX that is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 am submitting another complaint in order to get the report from the FTC sent to the company to have the collection removed per their request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Rocket Mortgage, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Quicken Loans : Breach of CARES Act Forbearance and XXXX XXXX   guidelines. Sent paperwork that is intimidating and says it won't stop the foreclosure, when I went into a CARES Act forbearance program and asked for it early XXXX, when I was current on my mortgage. They didn't start it until XXXX, and said they start 30 days after the request. They would not allow me to get a six month forbearance, despite requesting numerous times. They mandate that I check in monthly via their website and answer questions, which is also not a requirement of the CARES Act. They refuse to allow me to request six months, and state they are compliant and will not offer anymore than three months, and then they require a reevaluation. They send paperwork stating how much I owe with intimidating language that isn't clear that I can pay the forbearance arrearages at the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions. 

On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment. 

In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.

The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times. 
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints. 

I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB  must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Bought my car 2020 XXXX XXXX from XXXX XXXX in XXXX, FL Exeter Finance was the bank that came back with a finance loan. 
I was given a 30 day temp tag til the end of XXXX, no plates. 
Then I got a different one til the end of XXXX. No plates again. 
So here we are again to plates They give me a 3rd handwritten tag .... 
Got pulled over by the Police and was told my tag was illegal and not registered at all!!

Went to DMV to confirm this information.

Went up to the dealership which is 45 minutes away from me here in XXXX XXXX with my family in the car. To finally get to the bottom of the issue. 
! st I was told they were backed up with processing plates. Then that they lost the title. Then the title was taking a long time from out of state. Then that it got lost in transit from another state. Then that it was a car bought at a XXXX auction ... which are not finance-ready vehicles.. to not sure how they figured that was supposed to fly. And I'm sure they knew that already. I called XXXX XXXX and Exeter Finance to try and get my car registered on so many occasions It is now XXXX ... my car is parked outside in the parking lot. Undriveable I have missed so much work because of the back and forth. I've had to pass on 2 more job opportunities because I can't get there on a 2-3 hour bus ride that wouldn't get me there on time anyways. Exeter Finance said they are WAITING for XXXX XXXX in XXXX, FL to produce the title! And that I have no choice but to park my car somewhere and wait!! It's been 4 months already and no one is stepping up to get this resolved. 
I met another woman who also bought a XXXX from them with the exact same issue! I'm a single Mother out of work ... no way to pay my rent, pay bills or buy food!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Usaa will not release my checking account money to me until they keep it for 60 days based on their policy. This will cause me to lose everything I have worked for my entire life. I will lose my house, my vehicles, everything. USAA Bank has said they are making an example of me and will not give me hard-earned paycheck money until the 60 days are up. The problem with USAA had nothing to do with my checking accounts it had to do with the credit cards I had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Investigation took more than 30 days

Complaint:
Hi- I submitted a XXXX complaint to Experian and XXXX about XXXX XXXX charge off, account # XXXX, that is not mine that has been on my credit report over 30 days ago now and it's still being reported, also their investigation is still either ongoing or not even started as I received no response from them at all. 

Please also note a few months ago XXXX validated that the account was NOT mine and REMOVED it off of my XXXX credit report. I'm not sure why Experian and XXXX are not being compliant or co-operative. Nonetheless I warned them about a 30 day demand to comply in the same letter mailed out to them since XX/XX/2022.

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 2021-06-22
Company: CITIBANK, N.A.
State: NJ
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-09-22
Company: Convergent Resources, 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:
Convergent outsourcing had my account, from XXXX, for a bill that was incorrect, I disputed them and asked for supporting evidence of this amount they claim I owe, they refused to send it. I disputed and they rejected the dispute XXXX aparantly fired them they do not have my account, they still report on my credit report that I owe them!!! 

I owe nothing

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 2019-03-05
Company: New Century Financial Services, Inc.
State: NJ
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:
Today XX/XX/XXXX I received information from my bank that New Century Financial has frozen my XXXX  XXXX XXXX Account. So there is a levy on my account and my balance is XXXX. 

I have not received any court order or any notification from neither the court or the collection agency to give me a chance to respond or try to fix or settle this matter. 

I need help to stop this levy on my bank account and settle this issue if possible, although I was told by the court clerk that it has been since XX/XX/XXXX which I don't recall.

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 2019-03-05
Company: EQUIFAX, INC.
State: NJ
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 reported the identity theft to all three bureaus and they all complied. Except Equifax who left one account on my credit file that I reported to the FTC and to the police that it was fraud from identity theft. However, Equifax told me they were not removing it, after I sent them all the documentation they needed. The account that is fraudulent and still reporting is below : XXXX Account Number- XXXX********** Account Balance- {$19000.00} Date Opened- XX/XX/2015 Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to pay my mortgage during the COVID crisis. I applied for, and was approved for, a forbearance plan. Despite this, the lender sends me emails stating that my mortgage is in default and states they will attempt foreclosure proceedings. Also, before my mortgage was transferred to another servicing agency, the mortgage was marked as a " foreclosure '', but I was in a loan modification period ( which was accepted ) and the property never went to foreclosure. In the loan modification process, i provided background information and a report number for my identity fraud case ( that led to the the incident in question ). Despite this, the credit report still has remarks of " foreclosure '' and the servicing company will not remove the derogatory remarks that were incurred due to the fraud. The " foreclosure '' comments led to my security clearance getting held up while the Government subpoenaed the evidence from the company. Despite this, they never corrected their reporting. They send me letters saying that they need the case report number, which was provided to them during the loan modification process. This was my previous servicing company, XXXX XXXX XXXX. 

Furthermore, despite being able to catch up my loan, the lender has not updated my credit report to reflect the " current '' status, which is required by law under the CARES act. My current servicing company is RoundPoint Mortgage Servicing , Inc.

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 2018-05-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to contact Experian via phone and online several times over the past several days to dispute fraudulent activity on my credit report and place a security freeze on my report.

Every attempt to place the freeze online will not go through ; every attempt to call results in the line being disconnected by Experian.

I have attempted to process a dispute online on my Experian Membership account, and the " Dispute Can't Be Processed Online '' and provides a phone number. I called AGAIN, only to be told by XXXX, XXXX XXXX   ( XX/XX/2018 XXXX ) that he " could '' not access my report and refused to provide me with any additional information.

I want access to my report, to be able to dispute incorrect or fraudulent information on my report, and to place a security freeze on my report as I have been a victim of identity theft in the past, which is evident by the extended fraud alert currently on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Personal information incorrect

Complaint:
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to XXXX, XXXX  and Transunion by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XX/XX/1983.

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 2023-01-31
Company: EQUIFAX, INC.
State: GA
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 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. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX   due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX XXXX  to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/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