BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: ID Analytics, 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: Other problem getting your report or credit score

Complaint:
I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.

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 2019-02-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a XXXX XXXX XXXX and financed it through Prestige Financial. I had just come out of bankruptcy and lost my other car in the BK. I had very limited choices on finance companies to get a loan from. My interest rate is very high, but I accept that due to my credit score. From the very first payment in XX/XX/XXXX, I began getting phone calls, texts and emails on the day my payment was due and they continued repeatedly sometimes two to three times a day until the payment was made. My account was never over 5-10 days late. However, I was threatened with being turned over to collections, etc. They even called my father and my daughter which really upset them. Due to poor health, the loss of my job and death of family members and other hardships, I have been late on my payments, but never over 30 days. However, the harassment would continue and the threats became increasingly more hostile. When my father in law died in XX/XX/XXXX, I had to fly to XXXX, Texas from XXXX, Oregon to attend the services. I was not financially prepared for this sudden expense. I fell behind on the payment. I received call after call and numerous text demanding an explanation as to why I had not responded. I advised that I was grieving the loss of my dear father in law and did not appreciate the harassment. They apologized but demanded a payment arrangement. I made one just to get them off the phone and stop harassing me. I was still in Texas and did not want to deal with this. I had just lost my mother a few months before. I have been in ill health and have told them so. Regardless, theyre relentless in their harassing communications. I am well aware of my financial obligations and do not need to be harassed like this. I filedmy bankruptcy due to medical bills. I financed a car as I need reliable transportation. I have to set up payment arrangements with them even when I dont have the money or they wont stop the calls and the texts and emails and calling my family members. The most recent harassing communications came today, XX/XX/XXXX due to a failed payment arrangement. Again, I had to make one so they would stop bothering me. I have made all of my payments on the vehicle, albeit late. However, I have not been 30 days late and I pay a late fee each time. 
I am requesting the communications cease immediately and contact me only if I should run 30 delinquent. I am usually no more than 10 days late. I have received these unwanted communications every month starting on the day the payment is due, the XXXX of the month until it is paid. This has been going on Since XX/XX/XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
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:
XXXX pulled my credit multiple time the same day by mistake. 
XXXX XXXX the creditor Credit pulled on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It should be only XXXX pull not all XXXX I only got XXXX credit card on the XXXX XXXX XXXX The rest of the inquiry are not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion an inordinate amount of times regarding updating my credit report after my Chapter XXXX bankruptcy discharge. They are listing accounts from XXXX XXXX XXXX as active accounts. These accounts were included in the bankruptcy years ago. There have been no new accounts or dealings with any company associated with XXXX XXXX. I should not have these items on my credit report any longer. I have sent in copies of my bankruptcy discharge papers as well as proof of my address and how long I've lived there. This has all been to no avail. I have asked several times to be provided with any data they have so that I may file an identity theft report if someone has in fact utilized my information without my consent. To date they have provided nothing. They continue to snd back computer generated letters stating the debts have been verified but according to the Federal Credit Reporting Act this is false. That to me seems unlawful. Therefore I filed a complaint with CFPB previously. You, too were unable to resolve this matter with Transunion. This is against the law. I have contacted this XXXX XXXX company over 30 times. They admit to having received my bankruptcy notification. Then when I ask to speak to a supervisor to assist in communicating this to Transunion, I am transferred around and mysteriously hung up on. This is all absurd and I will be filing lawsuit and complaint with the federal court with regard to the bankruptcy laws being violated within the next few days.

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 2019-10-22
Company: ARVEST BANK GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage was recently transferred to Arvest. My first payment was due XX/XX/XXXX. 

I made my payment online and was assessed a {$5.00} fee. The payment was not late, and I did not use any payment service or speak to anyone by phone. I simply used the Arvest website. 

Nothing on the payment page or process said anything about a fee for simply making an online payment. Only when I went to the fees schedule did I see a {$5.00} fee for 'Payment by Website. ' First off, there needs to be warning that paying in a certain fashion will incur a fee. I have attached a screenshot showing the online payment process, and nowhere does it mention a fee. 

Secondly, I find it egregious that a mortgage servicing company can charge a fee for an online payment. This wasn't a late, rushed, or pay by phone payment. 

I have never experienced this at any other loan servicing company, and have used many. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: Their investigation did not fix an error on your report

Complaint:
Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.

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 2019-02-25
Company: Credit Adjustments Inc
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to reach Credit Adjustments Inc. by telephone for days. I dial the number and get a recording that says all representatives are busy handling other calls, please hold for the next available representative. After being on hold for 5 minutes, it goes to a busy signal or voicemail. I have left messages, and they won't return my call. I have called every 5 minutes, for hours at a time. Somehow, they know who is calling and are ignoring me ; and, are just waiting for my Social Security to be garnished in 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
Consumer complaint received 2021-04-08
Company: Rocket Mortgage, LLC
State: AL
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 mortgage is being 1. reported as late post COVID-19 modification and 2. is reporting the incorrect amount of being late.

After signing and notarizing the modification agreement I scheduled two auto drafts ( TOO BE TIMELY! ) in the amounts of {$1300.00} on XX/XX/2021 for XX/XX/XXXX and XX/XX/XXXX. This was done by a Quicken employee mind you. 

Quicken ran an escrow analysis on XX/XX/2021 after those auto drafts were scheduled. The escrow analysis showed a shortage of $ XXXX monthly. The auto drafts were taken and come XX/XX/XXXX after setting up continuous auto drafts myself the payment was cancelled due to being behind. After noticing on my account no payment was taken I called to learn that I was delinquent. 

The affected auto drafts were not cancelled. The attempts to reach me were automated calls like every scam call. Their system was never updated with my current residence even after informing them that I do not occupy the home concerning this mortgage. 

Im being reported delinquent on the full amount of {$1500.00} even though its an escrow issue that affected no party. Now my credit suffers over incompetence from Quicken and I perceive this to be an anti-competitive tactic that affects a borrowers ability to refinance the loan in a highly competitive market. 

The delinquency is inaccurate and unjust. The amount delinquent is also falsely reported and this is a result of post modification underhanded tactics to prevent Quicken from losing business/interest income. I cant even IRRRL my loan by VA guidelines now. Im not only a veteran, former employee of the XXXX, but Im also a mortgage underwriter. 

This is a level shady tactics on par with XXXX that spawned the CFPB. Please investigate and admonish such dealing by unsavory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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: Account information incorrect

Complaint:
Dated XX/XX/2019 XXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
HSBC sent an incorrect 1099-C early in XXXX showing I owed monies on a credit card that was discharged in bankruptcy XX/XX/XXXX. They admitted their error on a letter dated XX/XX/XXXX. Next, they sent an updated 1099-C reflecting a {$0.00} balance but used codes D and G as the reasoning for box 6. They stated that on the letter dated XX/XX/XXXX. They deny sending the form with D but I have it in my possession. The letter dated XX/XX/XXXX states that G in box 6 is within IRS guidelines. 

1. State where you obtained this information from as you did not discontinue collections, the reason the debt is protected from being counted as income was due to my aforementioned bankruptcy. 
2. Next, I do not appreciate the tone of this letter, " and will not be changed further. '' You broke the law twice, once by sending me to an outside collections company and two by sending me a 1099-C. If I would have been stupid and filed that I would have been liable for additional taxes on income I did not have to report. 
3. This is my final demand for {$2000.00} in compensation or I'm going to pursue this with an attorney and go to social media with all of the proof of how you handle your business. I have given you more than enough attempts to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Resurgent Capital Services L.P.
State: CT
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:
A loan account with XXXX is reported as sold to Cach LLC aka Resurgent Capital Services, a separate complaint was made against Resurgent. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to Cach LLC, the parent company by the name of Resurgent replied to complaint which I copied below, their rep states record does not show any account with Cach LLC. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

Resurgent response : We are unable to locate a CACH account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018Bank of America closed my BANKAMERICARD without informing me that they were going to close it or the reasons why. I called Bank of America to see if we could come to a resolution but I was told that Bank of America sometimes closes accounts for no reason. I found this very disappointing as I worked very hard for this card because it was a secured card.

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 2019-11-05
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:
XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: FIRST HORIZON BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously had a commercial bank loan with XXXX XXXX XXXX  ( now defunct ) which was merged into First Horizons Bank. The loan was paid in full on XX/XX/XXXX. I have been unsuccessful in multiple attempts to get First Horizons Bank to remove their lien from my properties despite their assurance that I have fully satisfied the conditions of the loan. First Horizons Bank 's failure to file a " Cancel of Judgement '' has jeopardized real estate transactions in process. 

First Horizons Bank representatives have acknowledged that there is no outstanding balance due on this account and has promised on several occasions to file the " Cancellation of Judgement '' with the appropriate court. I faxed all requested information to First Horizon Bank twice ( XX/XX/XXXX and again on XX/XX/XXXX XXXX including a previous letter from XXXX XXXX XXXX  stating that the account was " paid in full. '' I was informed that all necessary information has been received and that the " Cancel of Judgement '' would be filed in XXXX County, NC court within three business days of the receipt of documents. This has not been done as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report listing an account with Wakefield and Associates that she was not familiar with. The account is associated with medical service ( s ) obtained from XXXX XXXX, and XXXX XXXX XXXX XXXX using my clients information without her consent. An offiical dispute of these accounts were provided to Wakefield and Associates XX/XX/2018 however as of this date no reply has been received from them or the original creditors with whom they were working on behalf of. Per FDCPA the collection agent has an obligation to share/provide the dispute information to the original creditor concerning matters of fraudulently established accounts. Wakefield and Associates have not contacted my client with regard to the status of this investigation of fraud concerning this matter.

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 2017-09-15
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes. 

Regards, 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 monetary relief