BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/XXXX I had an issue with XXXX of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at XXXX. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called XXXX XXXX and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since 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 2017-09-22
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-19
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 am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2019-01-09
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We were notified by our mortgage company of an outstanding medical bill on our credit report. We are in the process of buying a home. 
I contacted the collection agency and learned a XXXX XXXX ( born XXXX or XXXX ) had an account at XXXX XXXX XXXX XXXX, XXXX, AZ with my husband 's Social Security number and also our home address. The birth dates do not match. We've never been to this place of business. The account number I was given : XXXX. 
Date of Service : XX/XX/XXXX. 
The recording at XXXX XXXX gave a billing dept # XXXX. 
We have filed a dispute with XXXX contesting the collection and provided the same documentation we received from our mortgage company. 
We would appreciate any and all help you can provide. Thank you.

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 non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 'S XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX account # XXXX I SOLD A VEHICLE BACK ON XXXX A NOTICE OF TRANSFER AND RELEASE OF LIABILITY FORMS WAS SEND TO THE DMV ON XXXX. 
ON XXXX, XXXX XXXX I RECEIVE A LETTER FROM AMERICAN CAPITAL TO ADVISED ME THAT THE ACCOUNT WAS ON COLLECTIONS. 
I WAS ON SHOCK SINCE I NEVER RECEIVE ANY ADVICE FROM XXXX XXXX XXXX XXXX. 

ON XXXX I RESPOND TO AMERICAN CAPITAL BY CERTIFIED MAIL. 
THE ABOVE MAIL INCLUDED THE FOLLOWING. 

-COPY OF VEHICLE/VESSEL TRANSFER AND REASSIGNMENT FORM -COPY OF TRANSFER AND RELEASE OF LIABILITY FORM. 
-COPY OF THE PHOTO ID OF THE NEW OWNER. 

ON XXXX, XXXX XXXX I RECEIVE A RESPONSE FROM AMERICA CAPITAL CHARGING ME THE DEBIT. 
I CALL AND TALK TO XXXX XXXX, REGARDING ABOVE LETTER, SHE TOLD ME THAT INFORMATION I SEND WAS NOT ENOUGH TO PROVE THE LIABILITY. 

SHE TOLD ME THAT I NEED A ( FORM CALL INF 70. ) I WENT TO THE DMV RIGHT AFTER TALKING TO HER. 
DMV TOLD THAT I SHOULD NOT BE RESPONSIBLE OF THE VEHICLE SINCE XX/XX/XXXX. 
DMV STAMP THE FORM AND ALSO STAMP MY LIABILITY FORM AS PROVE THAT I AM NOT THE RESPONSIBLE PERSON. 

ON XXXX I CALL AGAIN AND TALK TO XXXX XXXX. 
AND SHE TOLD AGAIN THAT IS NOT ENOUGH. 

PLEASE HELP ME I NEVER BEEN IN COLLECTION ON MU LIFE. 
AND PLANNING TO BUY A HOSE NEXT YEAR. 
THIS IS NOT FEAR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've made several attempts to dispute information on my credit file with Transunion and their updates never reflect any updates or changes made. According to the FCRA any information that is incorrect, must be deleted for inaccuracies. They have not done so. And my credit score has remained unchanged meanwhile XXXX and XXXX have updated most of my inaccuracies and my credit score.

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 2023-07-19
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: Was not notified of investigation status or results

Complaint:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A loan for a lease buyout was approved, and check was mailed to the lease holder ( XXXX ). Problem is that the check was mailed to the wrong address. Now XXXX claims they never received payment so I am essentially 2 or 3 days away from defaulting on the lease buyout. I have tried to connect with Bank of America for more than a week and either they don't pick up the phone or they do not replied to at least XXXX emails I have sent the loan XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX and/or her XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have escalated the situation within XXXX and was told a solution should be provided within 24-48 hours but that time has already elapsed without any updates.

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 2022-01-28
Company: EQUIFAX, 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 an auto lease with XXXX XXXX CT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Equifax Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Professional Finance Company, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX reporting medical bill due. I did not owe XXXX. I have medical insurance for mental health treatment with them. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance. Their doctors have dropped me from care on several occasions without proper notice leaving me without proper mental health care and medication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: American Credit Acceptance, LLC
State: NV
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:
America Credit Finance only assisted me with the payment deferred due to me filing complaint, however agents stated I would not be reported late and I have been. Please refer to my previous complaints and please refer to your call recording

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
This complaint is a continuation of the previous complaint. The result from the previous complaint was that I was approved for a VA partial claim through the original lender XXXX mortgage in XX/XX/XXXX. The loan was transferred to Flagstar Bank shortly thereafter in XX/XX/XXXX. 

We signed the note for the partial claim in XX/XX/XXXX and thought we had met all of the requirements. However we were advised later that the note was never recorded because the lender made an error on the docs and had the payee listed as HUD instead of VA. 

In XXXX of XXXX, we had a notary come to the house and re-signed the Note. 
Again we thought the issue was finally resolved. Then in XX/XX/XXXX, we were advised again that the note was never recorded due to yet another lender error on the documents. 

The lender is now asking us to sign a XXXX time saying they corrected a " minor '' typo in the verbiage however I noticed that they had also changed the Payee from VA to a private lender XXXX XXXX  without mention. This concerns me as this lender has had multiple cases and lawsuits against them and I don't feel that I would have the same protections as with the VA as payee.

Flagstar Bank has recently sent me a letter stating loan documents were rejected due to BORROWER error which is simply not true, they are the ones that generate the documents. Flagstar bank is now also threatening to reverse the partial claim and force me to pay the lump sum in full or face default OR enter into a new loan modification at a much much higher rate which would substantially increase my payment and is much more favorable to the lender. 

in conclusion, Flagstar bank has made numerous document errors, is sending me in accurate statements every month showing full partial claim amount is due, and has overall delayed and jeopardized my VA partial claim in whole and has not met the requirements per 36.4805 which states servicer must record the security instrument timely, as prescribed in 36.4807

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 2020-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. XXXX illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to experian as 14 separate chargeoffs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXXXXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1990 i tried cashing q check the XXXX XXXX XXXX for XXXX and this was almost 7-10 YEARS go and the bank said they couldn't CASH IT BUT if I WAS TO DEPOSIT it into a bank account then I could bank with wellsfRGO AND pull my money out with my debit CARD AS I PLEsed Sso i deposiyed the whole check stRTED a bank account and asked if i couod with drawl XXXX $ from my account they said yes and they said XXXX they had to put XXXX of my money on hold until eveeythin wS COMPLETE and they were to put thT MOMEY BACK INTO MY ACCOUNT WELL I NEBER GOT THt momey back and XXXX XXXX of that about XXXX days lTER I WENT TO USE MY BANK CARD AND IT SAID INSUFFICIENT FUNDS SO I WENT TO THE BANK IN ARIZONA IN XXXX XXXX XXXX XXXXXXXX an XXXX XXXX and they said they put a hold on my account and froze my account that i woulmt not be able to touch my money for at least two weeks so inwas upset and un professional had words with the bank, anger and he ended up calling the police and had me trespassed so i couldnt go amd receive my money and i got that money from my mother passimg away and at the XXXX, XXXX it wS EVERYTHING I had and that really messed me up left me homless on the streets and for no reason i want to sue for this and i had no idea i couod but i eventually got my momey back accept fpr the XXXX $ they put on hold and never returnes to, me... So I would like to be compensTED FOR THIS OR I CAN JUST TAKE THIS TO MY Lwyer now that i know I do habe a case unless u guys want to, ake mw a decent offer and we cN SETTLE IT LIKW THat ....

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-01-28
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 have an auto lease with XXXX XXXXXXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX

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 2022-01-28
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 information incorrect

Complaint:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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 explanation
Consumer complaint received 2018-12-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX

Company response to consumer: Closed with explanation