BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: CAINE & WEINER COMPANY, INC.
State: VA
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 am demanding removal of this collection from Caine & weiner. My debt is not with them. I do not owe them the {$510.00} that is reflected on my credit report and it is deeply impacting my credit score. Caine & weiner claims that the debit is from XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: PA
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Mr. Cooper Group Inc.
State: LA
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:
Nation Star Mortgage is showing that I had a late payment inXX/XX/XXXX. Nation Star sold my account to Mr. Cooper in XXXX and then Mr. Cooper sold my mortgage to XXXX XXXX XXXX who still owns the account. So Nation Star Mortgage should not be reporting and information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo closed a credit account on XXXX XXXX, 2016 and it's still reflecting on my credit report despite it being overly old.

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 2023-02-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a closed Victoria Secret credit card. It was paid off, no balance owed. 

Someone unknown to me went into a store purchased items using my social security number on the keypad, with no card or ID present. This also re-opened my closed account. 

Commenity Bank calls me 8-12 times a day. Everyday, at XXXX they call my phone and wake me up from a deep sleep. ( I work late hours ). Throughout the day, they continue to call while Im at work using no caller ID, so I wont know its them. 

I feel completely harassed and over whelmed by the constant calls. Also, they want me to pay the balance on a card I had closed! I have no idea who stole my social security number, but they allowed someone to use it at the register by punching it into the key pad. It is THEIR fault for allowing the card to be re-opened and used, with no ID or card present. They failed to protect me as a consumer. I should of been called from the store to verify, or ID shown. 

I can not take this harassment any longer. Im desperate for help. I have a medically fragile son, who calls from unknown numbers often, so Im forced to answer these no caller ID calls in case it is him. 

8-12 calls a day I believe is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
got the lease back XX/XX/XXXX - set up the payments on Autopay - XX/XX/XXXX- i receive an ugly letter saying - Notice of Acceleration - i called back in XX/XX/XXXX to get a payoff and they never said i missed a pyment i called when i received ugly letter XX/XX/XXXX and they said i missed the XX/XX/XXXX payment i got my bank statement and i show i made the payment but after going thru all my statements- i see the never took the XX/XX/XXXX payment- i had plenty of money in my account. 
i have called so many times asking for a full payment history and not received it only email to log into the website i have spoke to a XXXX many times at XXXX few times and she says its a system error and her supervisor is reviewing and ever time i speak to her i ask her to call me back .... no one has ever called me back. 
Also i want to go ahead and pay the XXXX since i do see it never was collected and she says just wait .... 
i am still wainting and nothing is geting done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I escrow our mortgage, however our mortgage company Flagstar Bank has not been paying our property taxes correctly. They paid less than the amount owed in XXXX and paid it late, and are on track to also pay our XXXX taxes late and for less than the amount owed. Our escrow account has always been overfunded, so the cash to pay the full tax bill was available both years. I had called the mortgage company a while back to ask about a notice I received stating that I had a lien on my home due to unpaid taxes. Flagstar assured me that the account was current and would be paid on time, so I believed it to be true and did not follow-up further.

I recently started getting notices about unpaid taxes on our home, which is when I discovered that Flagstar had not been paying our taxes appropriately. I have reached out to the mortgage company to correct the issue, but wanted to report this nonetheless since I should not have to continue to take time away from work to address their incompetence. 

I am an XXXX XXXX XXXX for a XXXX XXXX XXXX doing XXXX in the mortgage audit space  and it appears to me that Flagstar or their sub-servicer has some significant gaps in their internal control processes. I'm happy to speak further about this if needed.

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 2018-09-08
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum Outcomes has failed to fulfill my request of debt validation with a response that meets federal guidelines on two prior occasions. Please see attachments for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After a month of sending in paper work, taxes, Mortgage notes and passing credit requirements. 
I was in the last process of being approved for a home equity line of credit through US BankXXXX 
Then under writing discovered that in 2008 my mortgage had been motified, through the HARP program. This program was designed to bailout the banks and help refinance the struggling homeowners, at a fair and reasonable rate. Since my homeloan was through XXXX XXXX, XXXX XXXX & I was indeed struggling to keep my home, I qualified. 
Now 12 years later, USBANK rejected my application and said I no longer qualified to receive a Home equity loan. They stated bank policy, states, no home equity loan, could be given on a mortgage that had been motified, due to financial hardship. 
I read my HARP agreement & no where does it state that I would lose my right to utilize any future equity in my home, for as long as I held this HARP mortgage. 
The 2008 housing market crash, left me victim to almost losing my house. 
Now 12 years later, because I participated in this program I am being discriminated against. 
I feel this is an unfair lending practice & wish to not only complain, but find out how many other people have been denied the right to utilize their equity, by USBANK or any other lending institution. 
If I had filed bankruptcy I could of kept my home & it would of fallen off my credit in 7 years. 
I chose to instead, to work with the banks, pay what I owe, stand strong & build my life again. 
I would like this situation investigated, if not for myself, then for all the other people in my position, who did not realize they were or would be discriminated against. 
I should not have to refinance my home in order to use its equity.

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 2021-02-05
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: CA
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:
Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. It took me a long time to compose everything have it print then stand in line and send it to you. And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for OTHER LEGAL OPTIONS. Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.

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 2022-11-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of Accounts has violated my federally protected consumer rights under 15 USC 1681. 

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 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 XXXXXXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-2 ( a ) ( 1 ) A person shall not furnish any information Relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
the user name for my account is XXXX. Pay pal despite me showing reasonble proof has 100 % of the time sided with dioutes and unathorized charges by default with th merchat with an inivestigation. It is by dfault and the assumption is somehow I made it up. Meanwhile They are ignoring ID theft law and not refunding my money imediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, my husband ( on our behalf ) completed a remittance transfer request at our local First National Bank of PA branch in XXXX, XXXX. The transfer was from our First National Bank of PA account to our XXXX XXXX XXXX account in XXXX, XXXX. We have completed remittance transfers, including to the same bank in XXXX, with them in the past with no issues. I was listed as the beneficiary ; my husband as the sender. On XX/XX/XXXX, given that the disclosure agreement lists XX/XX/XXXX as the delivery date ( with if not sooner in parentheses ), we began asking XXXX why our transfer had not arrived -- we've never had a remittance transfer arrive more than XXXX days later. Despite a wire research initiated on XX/XX/XXXX at our request, which showed an error between XXXX of the intermediary banks, and a wire recall requested on XX/XX/XXXX, we still do not know why our funds were not delivered or where they are. We have been in constant communication with our local branch and a regional branch of FNB of PA, but we are unable to get information from the intermediary banks, our bank in XXXX is not able to locate the wire, and we are unable to speak directly with the wire room at FNB of PA. FNB of PA claims it has done all it can, but we are missing {$15000.00}. Given all this, we are asking for outside intervention to get our remittance transfer refunded and returned to our FNB of PA checking account from which it was debited on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: FL
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 am interested in disputing all incorrect information on my credit report with experian. all information is not 100 % accurate on all 3 credit reports. please review an remove the invalid data to help clear my file.

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 2020-01-04
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried for years, to tell all 5 of these derogatory medical " bills '', that NC XXXX would've paid these. They are all either false, or been paid in full by NC XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, NC XXXX didn't pay for me. Ask XXXX hospital in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to XXXX, XXXX and Transunion. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX & XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from XXXX, XXXX and Transunion via certified mail/return receipt : ( Attached as rd.1 letters ) XXXX  : Signed for XX/XX/XXXX XXXX  : Signed for XX/XX/XXXX Transunion : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2. XXXX 3.  XXXX 4. XXXX 5.  XXXX 6. XXXX 7.  XXXX 8. XXXX 9.  XXXX 10. XXXX 11.  XXXX 12. XXXX 13.  XXXX 14. XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.

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 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with an account and inquiries I did not authorize and they are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs Midland, Texas vs Midland. In that case I have learned that Midland claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.

Company response to consumer: Closed with explanation