BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I seek assistance in repairing my credit. The account for XXXX with a balance of {$57.00} was written off and was removed by credit repair help. I've noticed that the debt was purchased and now on my credit report again as of XXXX, XXXX 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 2019-02-12
Company: Experian Information Solutions Inc.
State: VA
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 purchased a XXXX  through XXXX XXXX XXXX  in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the 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 2022-03-01
Company: EQUIFAX, INC.
State: MI
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:
I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.

15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system.I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX. 
XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX  Unverified, Inaccurate or Not Mine XXXX XXXX Bank Account XXXX Unverified, Inaccurate or Not Mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX & Transunion credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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 XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to reach out to myself and my family members after I asked them to stop. They call daily two to three times a day. The customer service reps are rude and combative. I just want them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The DISCOVER FIN SVCS LLC account with the account number XXXX that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: GATEWAY FIRST BANK
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXXmy loan processor established a mortgage loan through Gateway Mortgage Group , LLC XXXX XXXX. Upon making my first payment I immediately noticed that I DID NOT get a receipt. On XX/XX/XXXX I contacted Gateway Mortgage and told them of my concerns regarding the lack of a receipt. The only correspondence I received from Gateway Mortgage when making a payment is an email stating that : " We are letting you know that an online payment has been scheduled on your account. '' NO payment amount or additional payment amount is displayed. XX/XX/XXXX I began corresponding via email with XXXX XXXX at Gateway Mortgage who stated " We do have plans in place to make improvements to the website and ask for patience in the meantime ''. In a later phone call from XXXX XXXX she stated that they were going to have this problem corrected with the next 6 months. TO DATE, THEY HAVE MADE NO ATTEMPT TO CORRECT THIS PROBLEM. Now comes a letter that I received today ( XX/XX/XXXX ) stating that Gateway Mortgage is going to start charging a FEE for on-line payments. This is TOTALLY unacceptable!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I do n't think it is mine. Would you please remove this item from my credit report? 
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item AMERICAN HONDA FINANCE disputed by name of AMERICAN HONDA FINANCE is  inaccurate because I did not used or gave my personal information to this creditor. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all say they have missed payments but also have Finance charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-03-01
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Rocket Mortgage that includes an escrow payment for taxes and insurance. I closed on the mortgage/home on XX/XX/XXXX. At closing and for the first 6 months of the loan I had a PITI payment of {$2400.00}. In XXXX, Rocket did an escrow analysis and projected that my taxes would double from about {$4000.00} to {$8100.00}, and then increased my escrow payment by about {$450.00} per month. This increase is based off an estimate they projected and they are not considering the homestead exemption that my wife and I have. I have a family and a budget, and we are expecting another child in 3 months, this is a very sizeable increase for our family. I also ran an analysis on previous sales in my zipcode for XXXX and compared the increase in taxes in XXXX with the new owners versus the previous owners in XXXX, and there was not one property that the taxes increased by double in my zipcode ( in over XXXX sales ). I have reached out to Rocket so that they can review my tax estimate or wait till we receive an estimate from the county and adjust my escrow payment in the meantime and they will not do that. I have paid my original loan payment amount and they are not applying it to P & I and the remaining in escrow. Instead my payment is sitting as an unapplied payment and my load is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Lendmark Financial Services
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE KINDLY ASKED LENDMARK FINANCIAL TO SEND ME THE INQUIRY DETAILS OF THEIR INQUIRY ON XX/XX/2018 but after numerous attempts I came here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted multiple disputes with the supporting documents through Experians dispute portal. The dispute is against ally financial who is reporting an account that was opened illegally. 
I submitted the identity theft report as well as the evidence that ally financial created a fake contract with a forged signature. I submitted the evidence and Experian informed me in a recorded conversation that they DO NOT look over anything I submit. They ONLY send it to the reporting company. Experian informed me that the reporting company is the only one who investigates and makes any decisions. Experian told me that it does NOT matter what I provide, EXPERIAN WILL ALWAYS TAKE THE COMPANYs WORD OVER MINE. 
Experian has been told in writing on many occasions that this a direct violation of my FCRA RIGHTS. Experian has a responsibility to properly conduct an investigation and to throughly review all of the evidence I submit. Experian refuses to follow the law and remove this fraudulent account from my credit report. Experian is harming me by allowing a company who report fraud without providing evidence. Experian is harming me and my reputation by failing to protect my consumer report from companies that abuse consumers. Experian is abusing me and causing me distress every time they dont follow the fcra laws. Experian caused me great anxiety when they told me that they will not review any documents I submit. 
My disputes ARE SPECIFIC. 
My COMPLAINT is SPECIFICALLY in regards to XXXX fraudulently reporting on my consumer report and Experian allowing them to after Ive submitted the proof that they are lying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Carvana Group, LLC
State: GA
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:
Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to dispute this bill and this company wants me to verify the bill. I am not doing your job for you. Stop putting the cart before the horse and learn the business. 

Verify the validity of the bill, then contact me. Not the reverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. 
The creditor XXXX XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so.

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 2019-02-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Affidavit of Facts Fact 1 When I requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP Law and the original unaltered Note and where did the loan originate, they then begin foreclosure procedures. I have a valid lien on the property as a secured party. 

Fact 2 Wells Fargo hired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX they filed fraudulent papers and ignored my lien and claim to have sold the property to XXXX XXXX XXXX  on XX/XX/XXXX i went to the court house to bid on the property XX/XX/XXXX no one showed up to bid on the property. 

Fact 3 A man name XXXX claim he bought the property at auction XXXX XXXX XXXX, XXXX XXXX XXXX I haven't herd from him any more after informing him I have a lien on the property he said he would move forward if he can get clear deed and title to the property, all paperwork filed by XXXX XXXX XXXX XXXX is fraudulent the deed of sell is fraudulent if XXXX sold the property why didn't he satisfy the lien holder XXXX XXXX XXXX? 

Fact 4 I would like would like to know Why I cant get the requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP law and the original unaltered Note and where or who did the loan originate from?. 

Much appreciated, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing a complaint against Midland Credit, as well as XXXX XXXX Bank. 
2018 XXXX XXXX Bank close my account due to no activity. The card was on automatic payments only. But because i did not charge anything in 60 days they closed my account without my knowledge. So therefore the account was not getting paid on. Then 120 days later show up on my credit report as 1100 dollar balance. I have disputer this account several times. Now midland credit has it and its XXXX dollars in dept. 

These companies are fraudulent in everyway. They hold your credit dept. over your head to see how much money then can accrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!

Company response to consumer: Closed with monetary relief