BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX  XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ATHAS CAPITAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used Athas Capital located in XXXX, CA to refinance my property. There was a lot of issues before we even closed which should have been an indicator not to proceed. They sent out a paralegal to my home to do the closing. I was not provided the HUD statement prior to the closing and when I saw the HUD statement along with what my monthly payment would be I contested it due to the escrow being so high, but the paralegal told me I could just sign the papers and question it as documentation wouldn't be submitted for a few days. I sent numerous emails about the escrow and then was told it was too late we closed. This was in mid XX/XX/2019. I have been trying since then to get the escrow figured out. I owed back taxes and money was taken out at the time of closing to pay the back taxes which were never paid. Escrow was taken out of my loan at that time also based on the back taxes for future tax payments and my monthly escrow payment is also based on those back taxes that should have been paid. I have been asking for an escrow analysis since XXXX. I have asked them to contact the assessor to get the updated information. I just keep getting the run around. Now they are telling me I have to make my first payment. If it's not one thing it's another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a deferment after hurricane Ida in XXXX. My home had some small damages from the hurricane. My home insurance denied my claim so I had them repaired. I took the deferment thinking FEMA would reimburse me for the small damages. The deferment was for XXXX XXXX and XX/XX/2021 with my loan servicer PHH mortgage. In XXXX after the deferment ended I applied for mortgage assistance with PHH because DEMA offered no financial help. The mortgage assistance with PHH has been in review for more than 120 days. They return every payment I mail and they blocked my payments online and by phone and wont let me make the remaining regular payments until their review of the three month deferment is done. I am afraid it is meant to make my account more late so they can take my home. XXXX XXXX XXXX XXXX with very little family. I cant afford to lose my house. I have tried to pay the remaining regular payments but they wont take the payments. My taxes are delinquent because if this review they are doing for the months XXXX XXXX and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I requested a settlement amount, if account paid in full, the live chat rep referred me to XXXX XXXX XXXX XXXX, stated no assistance is available to me. This is in regard to my aspire card account, now closed. I am currently experiencing financial difficulties due to pandemic and would like to pay off account in full to save interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: SC
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:
pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between the consumer and the person making the report. This means it should not be included in my consumer report and in fact, is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Full Advance LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan short term for XXXX which I ended up getting XXXX when you get loan they charge a XXXX funding fee and a fee to transfer to your account via ach. your suppose to have a payment took out weekly for XXXX ( 9 payments ) which I asked them about and that is what they said. It is charged to your debit card. So my first payment was due 2 days after loan which I thought was odd XX/XX/XXXX. Then they try charging my card on Monday, Wednesday, and friday. I always leave my card lock so I do not get unauthorized charges. So they text me said my payment did not go through on Tuesday so I unlocked card and they charge me XXXX on XX/XX/XXXX. Then I get a text message XX/XX/XXXX my payment did not go through, cause again I lock my card. I thought ok this is for this weeks payment. So I unlock on XX/XX/XXXX and pay XXXX again. Then I get a text on XX/XX/XXXX my payment no go through, cause card is locked, and I text them back why you charging me again this week. They said they charge payments to payback the XXXX I borrowed 3 days a week. So they are expecting for me to make 3 payments a week for 3 weeks and I said you never mention this to me before. If I had know I would never have borrowed the money. So they sent me a link https : //fulladvances.com/our-process and when I read it, it does not stay they charge you three days a week, it states they process payments on Monday, Wednesday, and friday, misleading making you think your payment is due on one of these day. I have never ever heard of a lender charging 3 payments a week and also a XXXX funding/processing fee and ach transfer fee. this needs looked into

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So much overdraft. Account had several thousand dollars stolen.

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 2019-02-07
Company: Synergetic Communication Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a student at XXXX XXXX University ( XXXX ) while I was stationed at XXXX XXXX, Maryland in XXXX. I was using the XXXX Tuition Assistance ( TA ) program at the time to pay for my classes. During my first semester, I received a Failure for Incomplete ( FI ), because I participated in mandatory XXXX training and was unable to take the final exams. Because of this failure, the XXXX recouped the TA money it spent on my courses. The money was taken out of my pay over a 12-month period, ending in XXXX. 

Since XXXX, XXXX has been attempting to collect the debt, totaling {$2200.00}. Every year, I get a collection notice, and every year I refute their collection attempt with actual documentation from the XXXX Education system, showing that the money was recouped by the XXXX. Upon sending them this information, I do not hear anything back regarding any changes in my account. 

However, every tax season, I receive another notification of an attempt to collect. The company attempting to collect on behalf of XXXX this year is : Synergetic Communications, Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX They are the same company that tried to collect in XXXX and XXXX. Ive sent the documentation showing that I paid the debt in full to both XXXX and Synergetic. Neither entity acknowledges the information Ive provided, yet they continue to harass me for repayment. I should NOT have to repay them if the money was already taken from my XXXX XXXX pay between XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and  processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was included in a BKXXXX and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Mar Joe Enterprises
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:
XXXX XXXX XXXX Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Mar Joe Enterprise To Whom It May Concern : Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above XXXX XXXX XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ).

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { original creditor/collection agency } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I signed up using a promotional offer. Santander Bank was offering a {$220.00} bonus for opening an account and direct depositing {$1000.00} within a specified timeframe. I recently called to check the status of the bonus and they said I didnt meet the deposit requirements. After review, they recoded my first direct deposit so it would not count as a direct deposit. They coded it as a transfer, even though it was directly from my employer as a direct deposit. I believe they are trying to avoid paying the promised bonus, as I made 4 {$250.00} direct deposits as well as several {$25.00} direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: OH
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:
I begin paying back a {$22000.00} student loan in XX/XX/XXXX. I paid 75 months of {$140.00} ( total {$11000.00} ) ; 47 months at {$71.00} ( total {$3400.00} ) ; 24 months of {$100.00} ( total {$2500.00} ) ; and one payment of {$300.00} for a total of {$17000.00} to SallieMae/Navient. The interest is suppose to be 4.875 %. Over the past 13 years I have never missed any payments and pay on time monthly through direct debit. On this day XX/XX/XXXX, I still owe {$16000.00} on a {$22000.00} loan that I have paid {$17000.00}. Only {$6000.00} of the {$17000.00} that I have paid has gone to the principle and {$11000.00} has gone to the interest. How is this legal and ethical. I am XXXX years old and will go to my grave before this is ever paid off. I have looked at my current payment plan ( all I can afford ) and The payment will triple in XX/XX/XXXX and be paid off in XX/XX/XXXX with a grand total of {$35000.00} being paid back for a {$22000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The Bankruptcy, accounts, and inquiries are not mine.

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 2020-01-23
Company: EQUIFAX, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2017-12-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Midwest Recovery Fund, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  CREDIT BUREAU HAS BEEN ASKED SEVERAL TIMES TO REMOVE THE DEBT FROM XXXX   FOR THE AMOUNT OF {XXXX XXXX XXXX HAS REMOVED THE DEBT MIDWEST RECOVERY PROVIDED BY XXXX XXXX XXXX XXXX. THIS COMPANY KEEPS FORWARDING THE DEBT TO DIFFERENT COLLECTION AGENCIES WITH FALSE DATES THE DEBT/ ACCOUNT WAS OPEN. I HAVE REQUESTED XXXX XXXX XXXX XXXX XXXX  TO REMOVE THIS OFF MY CREDIT FILE SINCE XX/XX/2013.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

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 2018-10-10
Company: General Motors Financial Company, Inc.
State: NY
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:
My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Persolve, LLC - Legal - Series 2
State: OH
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 Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.

Company response to consumer: Closed with explanation