BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CCF Intermediate Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received documents I requested from XXXX XXXX XXXX on XX/XX/XXXX. After calling them to inquire about their dispute process I was spoken to in a very rude manner. I also contacted the original creditor Cash Central on XXXX XXXX, XXXX @ XXXX XXXX  XXXX XXXX. I was told the account number XXXX XXXX XXXX provided to me, XXXX, on the mailed documents didn't match my name. The mailing address on provided documents is an address I haven't lived at since XXXX. The amount attempting to be collected is XXXX. XXXX which is reported on all 3 Credit Bureaus but the documents provided that they gathered from Cash Central says XXXX. XXXX. South Carolina, the state I have lived in since XXXX, has a law pertaining to payday loans ( Amount questioned {$800.00} violates South Carolina Law Section 34-39-180 ( E ). Max is amount allowed per SC law is {$550.00}. It is also required that a borrower was presented withan extended payment planfor a 12-month period in case of an inability to repay a deferred presentment transaction.The referenced payday loan was supposedly granted XXXX, XXXX but 2 hard inquiries from Cash Central on XX/XX/XXXX and XX/XX/XXXX. I have notified both parties XXXX XXXX XXXX and Cash Central with absolutely no resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX 2018, my credit report showed collection ... 
Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV.

I have never had anything to do with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Shellpoint Partners, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  IS SUPRESSING MY CREDIT FILES AND THUS XXXX XXXX IS UNABLE TO DELETE 3 ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. I had a change in homeowners insurance back in XXXX of XXXX. This has caused a 2 day lapse. My bank contacted me to let me know that I owe {$12.00} for this 2 day lapse. No problem, I simply added this amount to my normal payment. I didnt straight up say, this is the {$12.00} for escrow, no now they claim I didnt pay it. Due to this error, the bank has placed forced-insurance on my home which is doubling my payment. I cant afford this. I have gone around and around with my bank and they claim that I am past my timeframe and they refuse to release the forced insurance. Remind you I have had adequate homeowners insurance this entire time. My lapse was from XX/XX/XXXX - XX/XX/XXXX, they started the forced placed insurance XX/XX/XXXX. Ive been trying to work with them but they refuse. Now they are sending my foreclosure letters. I have been paying my mortgage minus the insurance. What can I do to get rid of this insurance and save my home?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I applied online for a loan from XXXX. I spoke with a XXXX XXXX. He went over the loan installment agreement with me over the phone. The loan was for a disbursement of {$7600.00}. 

After speaking with him he said the interest rate would be 35 %. First payment would be {$480.00}. Second would be {$560.00}. After making my first payment. A letter was mailed to me almost two weeks later with a date of XX/XX/2018 on the Disclosure Agreement. This was sent after the fact. 

After receiving and opening the letter it included a Disclosure and Promissory Statement. On this statement it indicated I would be paying a 101.85 % interest rate! I about " fainted '' and was not told, and but lied to on the phone from XXXX XXXX about the interest rate. 

Mr XXXX had scammed me into a high interest rate loan. 

After pulling up further information on the XXXX website under my account. I then discovered that {$0.00} dollars was applied to the {$7600.00} principal of the loan! I would be paying back " {$47000.00} '' over a 7 year period on a {$7600.00} loan is illegal! 

They also took {$950.00} out of the principal {$7600.00} loan and only disbursing {$6600.00} and wanting me to still pay back {$7600.00}?? 

On the disclosure agreement I did not sign or agree to any paperwork claiming this 101.85 % interest rate. 

I then immediately went to my financial institution XXXX XXXX XXXX and closed my checking account. On XX/XX/2018 I contacted XXXX and spoke with a Manager. He was also lying to me about the interest rate and claiming they are exempt from the Usery Law and can charge any interest rate they chose. 

I inform them I closed my checking account. I told them I would pay only back the {$7600.00} on a legal interest rate. They refused. They have scammed me out of money as well as reported this illegally to the credit bureaus. This is a fraud situation by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's not my account, i never applied for it. I never had contracts or agreements with this company, I never sign 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 2023-05-16
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:
My credit profile was updated with A collection with A company by the name of XXXX XXXX XXXX & they advised it was due to A loan taken out by XXXX XXXX XXXX When I called check and go I was informed it was a loan taken out online using my prior name XXXX XXXX. My current name is XXXX XXXX. They allowed the account to be open and was fraudulent. I submitted a dispute with transunion as this account is a fraud account and is not mine. Transunion has failed to verify the debt and have left this on my credit report and have no removed this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
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:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX  {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

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 2020-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit  Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I followed a link from the website of my bank, XXXX  XXXX XXXX, to XXXX. Of the XXXX reporting companies, only XXXX gave me a free credit report. TransUnion required me to register on their website and pay {$.00} ; XXXX 's link only had a message to " call us ''. 

Aren't TransUnion XXXX XXXX in violation of the law?

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 2019-03-18
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is reporting unpaid medical debt on my XXXX report which is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep receiving calls from a collection agency called Independent Recovery Resources. There is also a collections account on my credit report from this company. I was placed in collections for an unpaid {$130.00} medical bill from a medical office named XXXX XXXX XXXX XXXX XXXX. My father paid the bill in 2014. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to XXXX XXXX XXXX. I called XXXX XXXX XXXX today and they stated that I do not have an outstanding balance. I then called Independent Recovery Resources and spoke with a representative who provided suspicious information. I asked the representative for the reason I was being called when I have no outstanding balance with the medical company. She stated that an account with XXXX XXXX XXXX XXXX group was still open. I asked when was the last time her company spoke with the office and she stated the medical office was contacted last month. I was curious as to how they could have spoken to XXXX XXXX XXXX XXXX XXXX last month when the company is now XXXX XXXX XXXX. I explained to the representative that I just spoke to my medical office and they stated that I do not owe any monies. The representative stated that she will have someone call the office and immediately disconnected the line. I then called back and spoke to another representative, I asked the representative for the phone number that they have for the medical office so I can contact them and she replied " its a corporate office '' and did not provide the information I requested. The representative stated that I owed {$130.00} and {$15.00}. The {$130.00} collection charge is on my credit report which I was aware of. I was unaware of a {$15.00} debt due to the fact that I have not received any notices nor is it on my credit report. The representative misrepresented the amount I owe which is a violation of the Fair Debt Collection Practices Act 807 section 2a. This collection agency is not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: American Accounts & Advisers, Inc.
State: MN
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:
hese accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX  XXXX Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX bank XXXX : XX/XX/XXXX, American Accounts AD Reported : XX/XX/XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear Consumer Finance Leadership, Since XX/XX/XXXX I have been requesting SCRA ( Servicemembers Civil Relief Act ) benefits from WELLS FARGO Bank only to be continuously denied eligibility to such request based on their current policy. As an XXXX XXXX XXXX XXXX since XXXX I believe I am indeed eligible to receive such benefits ( 0 % to 4 % apr, overdraft fees waived, etc ) and other financial institutions have indeed granted me such benefits disregarding the timeline of when these accounts were opened ( before or after military enlistment ). Such institutions include XXXX Bank, XXXX and XXXX XXXX. My accounts with WELLS FARGO pre-date my enlistment into the XXXX XXXX. WELLS FARGO acquired XXXX from XXXX XXXX XXXX  which bought XXXX XXXX XXXX. I have written several letters and sent all documentation required and can not understand why WELLS FARGO insists that I am not eligible to a lower APR. Even under the current MLA ( Military Lending Act ) I should be eligible to obtain a lower percentage rate. Anything you could do to help would be a tremedous benefit to my current financial situation. Thank you.

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 2023-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The alleged Loan was discharged in a XXXX  XXXX Bankruptcy in 2011 as exempt, non-secured, and protected by homestead. My parents are XXXX XXXX XXXX and this has become Elder Financial Exploitation. Please demand to see the documentation and evidence. It is time barred debt. XXXX XXXX owns the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: AK
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Called multiple time attempting to cancel but company only allows you to speak with automotive messages. After inputting personal information regarding my account it stated I didnt have a member ship with them. The company does not allow you to speak with a person to clear issue up.

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 2023-02-21
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I keep getting emails about how Ive been pre-approved for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AR
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:
This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation