BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Information belongs to someone else

Complaint:
Im sent multiple ftc reports and 605b letters to Equifax XXXX XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
XXXX. XXXX XXXX at XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX XXXX  ( XXXX of XXXX Florida ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXXr XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer, Loancare, will not pay my XXXX property taxes. They claim they were paid in XX/XX/XXXX, but that my county tax collector still shows the bill as unpaid. I have called them at least monthly since XXXX and have been given different reasons for the delinquency each time. I have also been told they fixed the problem and paid my taxes in XX/XX/XXXX This is not the case. I have been unable to get any meaningful action or resolution in the past 4 months I have been contacting them. I had the same issue with my XXXX property taxes.

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 2020-05-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed in XX/XX/2020, that I had a late payment for {$5.00} was reported to the credit bureaus by Chase. My credit card balance was {$0.00} since XX/XX/2020 and I had not used my card. I called Chase and they agreed to remove this charge and late payment but as of today XX/XX/20 it is still on my credit report. 

My credit score has been decreased by 40 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF THE WEST
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My issue is with Bank of the West regarding a payment I sent to pay off the loan for a recreation vehicle loan. 

On XX/XX/2020 I sent a payment of {$36000.00} ( via USPS signature required ) to Bank of the West for the purposes of paying off the loan. 

On XX/XX/2020 Bank of the West signed for the payment, validated through the USPS website that shows the name of the person who signed for the payment. As of today, XX/XX/2020, the payment has not been posted to my account. 

I have attempted to contact Bank of the West by using their website messaging system, with no response. 

I have also called Bank of the West daily since XX/XX/2020 in an attempt to obtain a status update - why the payment has not been posted. Each time I have called I was on hold for over an hour and half then subsequently disconnected at the hour and half mark. 

I have contacted the XXXX XXXX XXXX  for help and they too have not been able to help. No one has contacted me from Bank of the West.

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 2020-06-26
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:
ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute 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 2019-07-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On a statement sent on XX/XX/2019, Wells Fargo sent me an escrow statement claiming there was a shortage on my escrow. I have the option to pay over 12 months, or just pay them the shortage amount in full. The issue is that either option had me paying a lower monthly escrow payment than I was previously paying. The " shortage '' is based on an even lower arbitrary number, not my previous escrow payment. This seems deceiving to customers, and likely is used for people to pay them extra money up front, rather than issue an escrow refund for over collecting, which pads their numbers for quarterly reports.

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a credit debt from XXXX which I wasn't able to payback due to my situation at the time. I wasn't released till XXXX. Now, I have received no notifications until XXXX when my employer garnished my wages for a court order from Dobberstein Law Firm , LLC. An lawyer in XXXX, Wisconsin. According to Executive Order 20-50 and in extension 21-02, prohibits such actions with fines and penalties of at least {$25000.00} dollars. I did not receive any summons or notifications from the law firm nor did I receive any notice from my employer prior to garnishing my wages during a pandemic. My employer just took {$400.00} from my wages and sent it. There should have been a form in which gave me the chance to dispute the debt. I have tried to contact said law firm. My employer has tried as well. There has been no response nor any attempt to resolve the situation. And recently, keeping my own tabs on public court information, have I noticed that they have filed and received a extension from the county courts to continue harassing and circumventing proper etiquette pertaining to the case. Based on the dates of last payment cited, the debt has been " time-barred '' since XXXX. The law firm understands this and does not cooperate in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: BB&T CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX  XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. 
After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX  XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at  the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. 
I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. 
I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} 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 explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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 XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, division of childsupport 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax Mortgage Services assumed this role and my direct written instruction/permission was never given. Equifax Mortgage Services is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax Mortgage Services did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax Mortgage Services did not have a permissible purpose under 1681 b 2. I never instructed Equifax Mortgage Services to furnish this report and I never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached Letter outlining all dates and violations and concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was driving and received a phone call on XX/XX/XXXX. I answered the phone, on the other line a lady said : " this is a recorded phone call that may be monitored. Is this XXXX XXXX? '' I said : " Yes, this is XXXX XXXX '' and then the person whom called, hung up. I had no chance to ask who was calling, no chance ask why they were calling, etc. I was genuinely scared as I thought I came across some sort of scam phone call and just confirmed my identity with them. Out of fear, I pulled over to quickly XXXX the phone number and try to figure out who just called. The company is called XXXX XXXX. This was absolutely an intimidating experience. XXXX, XXXX I received a letter in the mail from XXXX XXXX going over the debt I owe to a medical facility. 
I do understand that they followed the law by providing written communication within 5 days of initial contact, but this type of intimidating phone call is NOT okay and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I checked my credit report XX/XX/20 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation