BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: CCS Financial Services, Inc.
State: OH
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 recently challenged on the validity of a derogatory mark on my credit report per XXXX  for Account # XXXX CREDIT COLLECTION SERVICES. Upon, challenging this account, XXXX  deleted the account based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX  AND XXXX  you have verified this same account. It is my understanding that all creditor reports the SAME INFORMATION to all credit bureaus as expected under FCRA, I believe this is a direct violation of my consumer rights and I'm requesting this collection to be DELETED from XXXX  and XXXX  credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AFNI INC.
State: FL
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:
Dispute with XXXX for negative effect on credit for services not rendered or incomplete, equipment returned to facility. 

XX/XX/XXXX. XXXX service installation appointment made XX/XX/XXXX XXXX technician tried to install service ( unsuccessfully ) XX/XX/XXXX ( same Day of install ) all equipment returned to local facility due to incomplete new service or install. representative stated that was all that was needed and account will be credited and deactivate. 
XX/XX/XXXX, XX/XX/XXXX statements continued from XXXX for a amount of {$830.00} owed. 
XX/XX/XXXX contacted XXXX customer service they state equipment is missing XX/XX/XXXX notice of account in collections for amount of {$740.00} XX/XX/XXXX sent certified mail letter to XXXX XXXX in regards to this matter. 
Continued notices for collections and certified mail with copies of equipment returned and dates provided. 

XX/XX/XXXX notice from XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX notice from XXXX XXXX as of XX/XX/XXXX i am still receiving notices in collections. 

This is an ongoing issue i have tried to fix this issue several times but accounts keeps changing in hand to a different collections agency. I again returned equipment to local facility, person at facility stated that was all that needed to be done account will be deactivated and credited. This was all with in 30 days of new installation or service, technician had difficulty installing service in the home, installation Issue was never resolved. 

This has effected my credit rating and score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for home retention assistance on XX/XX/XXXX. I thought things were going fairly well. They asked my for a divorce decree on XX/XX/XXXX even though I've never been divorced which was bizarre but after talking to them I understood their confusion and that was the only snag, or so I thought. 

On XX/XX/XXXX I was told that my file was denied because my income is only {$2900.00}. This is not an accurate portrait of my financial situation. My wife, who is not yet on the loan until this modification goes through, is also contributing. We listed her as a contributor on the application but Wells Fargo is stating they do not allow the use of contributors. 

According to Wells Fargo, my own wife, to whom I have bound my soul to for all eternity, is not able to claim that she is using her income to help maintain our household and keep our home for ourselves and our posterity. Having read XXXX XXXX 's guidelines, I see nothing that specifically excludes using my wife as a contributor. Her income does not simply vanish into thin air, it goes toward maintain our livelihood as a family and should of course be considered when evaluating us for a modification review.

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 2018-03-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: CURO Intermediate Holdings
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
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:
Just received an alert from Experian that might credit score dropped significantly due to XXXX XXXX inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX  and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and XXXX  and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IL
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. 

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 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 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 seven 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 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America issued a debit card with the master card logo to accept my Nevada Unemployment weekly funds. On XX/XX/2020 an unauthorized transaction for {$270.00} was taken from that account at a branch I had never visited. I called Bank of America as soon as I discovered it and reported the unauthorized withdrawal. On XX/XX/2020 I received a letter regarding acct ending XXXX had suspicious or fraudulent activity and they sent me another card to use to accept my unemployment benefits .I called back and asked about the {$270.00} and they said they would take another look, pull some films. 
The new card ( without telling me was closed ) and has been since early XX/XX/2020. 
I have called many times and refuse to re-open my new account ending in XXXX or refund my {$270.00} I have not received my unemployment benefits for over 3 months because Bank of America will not re-open my account. Nevada Unemployment ( XXXX ) has paid my benefits weekly and confirmed my ID. Please Help Me Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.

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 2022-08-07
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Between XX/XX/XXXX - XXXX, 2022, I contacted Fay Servicing inquiring of a {$240.00} increase in mortgage payment that takes effect XX/XX/2022. A representative stated of increase in county taxes and insurance that should have been explained in the letter sent, but no letter was received as I informed. She never stated of resending and couldn't find insurance or tax statements of the increase when looking at my file ; implied of someone will get in touch. As a result, I contacted my town 's XXXX who gave me the latest tax assessment showing of taxes did not increase in the last year. Similarly, my insurance company stated of not increasing my premium in the last year. After receiving the information reached back to Fay Servicing relating the information. I asked the mortgage company if they could forward documentation of the increase, but no response. I attempted on XXXX more occasions requesting documentation to justify the increase. Then I sent an email on XX/XX/2022, explaining the issue and stating of legal actions. within XXXX days a representative contacted me and stated the company will investigate the matter and reach back within XXXX days. As of XX/XX/2022, no one has contacted me and the new mortgage payment due XX/XX/2022, no later than XX/XX/2022. This is concerning as in XXXX the company did not pay my property taxes that resulted in being threaten by Maryland in taking my home ; after contacting the company and bringing to attention the matter was resolved, said of an oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed an account on my report and the account was removed i seen this via XXXX XXXX. The account was removed from 'TRANSUNION XXXX XX/XX/2020. When i called them they started to act like they didn't know what i was talking. I've had got in contact with a manager there. The lady then proceed to tell me that she was able to see that the account was removed and then replaced back after that. The lady also stated that the company didn't respond in time so the account was removed for that reason.

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 2018-07-29
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is {$920.00} and they now want to bill me {$1100.00} which is an additional {$180.00}. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in XXXX. The escrow amount necessary to cover my taxes and insurance only increased by {$63.00} previous amount was {$270.00} and it is now {$340.00}. They are requiring an additional {$110.00} a month to make up their shortfall and to maintain a 2 month balance. 
I called Pacific Financial On Friday to cancel my escrow account and was advised I would need to submit in writing, which did. The came back and stated my request was denied due to their policy and shareholder direction. The Department of Veterans Affairs does not, nor should my loan be obligated to maintain an escrow account for taxes and insurance with the lender. Additionally, I am not a financial risk, I have over 20 % in equity in this home and have not missed a payment or been late? 
I requested that a manager from Pacific Union call me to discuss, but they have not replied to my request. I would appreciate your assistance in this matter I will be filing a complaint with the Department of Veterans Affairs , National Association of Realtors- ( current member ) and investigating obtaining legal representation. 
Thanks, XXXX 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 2020-07-07
Company: Experian Information Solutions Inc.
State: HI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely 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 2018-07-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax/dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX/XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute all late payment for XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2012 i had full Medicaid due to XXXX. The hospital apparently did not provide their XXXX   dept this information. These bills were sold to XXXX XXXX XXXX. I have disputed with them. Equifax has continued to allow these bills to remain on my report even though i have disputed with Equifax as well as the company. Equifax allows companies to put whatever information they want on credit report but refuses to remove or correct when there is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP

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 2021-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently checked my credit report and Experian is reporting incorrect info on my report that does not belong to me. This account belongs to a family member with the same name that lives at a different address. The following account does not belong to me and needs to be removed immediately : 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