BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: FCC Finance, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  Called my Son XXXX XXXX to tell him that I had a applied for a potion in a warehouse, my son stated the guys name was XXXX and he I had used my son XXXX as a reference for the job. 

I called back XXXX and it turns out it a debt collection agency who was proving my son with false information in order to speak with me. They had tried to contact me and I had asked them not to call me anymore as I have never done business with this company. 

He also stated he was from the FCC when I spoke to my son on the phone. He called my son at XXXX at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions 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:
My credit reports from all agencies continue to report I have continued late payments on accounts, also, delinquencies on accounts. I have not been late or delinquent on any accounts in years. I would like this corrected, as well as all information seven years or older. I have attempted to have this done, but the person I spoke with told me I wasn't able to request that by done. I have requested other times, and the old information was taken off. I have accounts stating they are closed when they were paid off in full. Please address these issues, and update my file and score. 

Thanks, 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 2019-05-02
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: Personal information incorrect

Complaint:
The last attempt to remove inaccurate information to Experian was on XX/XX/2019. One of the addresses on my report of XXXX XXXX XXXX is a location I have never lived at in my life and they will not remove it. It says that a creditor sent information to that address but I never gave it out because I never lived there. And I am not sure who lives at that address. Also the letter included a past address of XXXX XXXX XXXX which I asked to be removed as I have updated my current address with Experian. I have applications pending where my credit will be accessed and it makes my credit file appear scattered as far as the addresses goes. I have been trying for over a year now to get the inaccurate information removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I did not receive a maturity notice on a {$3000.00} CD that matured on XX/XX/XXXX from Huntington Bank. The interest rate was 1.484 % paid annually. It was a 2 year CD. 

Starting on XX/XX/XXXX, I started trying to contact someone in the bank. 
Within the grace period I called to see about closing out the account - not renewing it - and getting my money. 
After 3 days and three phone numbers, I talked with XXXX at this number on XX/XX/XXXX XXXX XXXX ) - he gave me a passcode and assured me that I would receive the funds in 7-10 business days. It is now XX/XX/XXXX and I have not received my money. 

I called the same number today - XX/XX/XXXX - they said that I needed my XXXX  DL number to verify that it was me over the phone. I gave them the ordinary identification items - SSN, etc. that they asked for but did not know where my XXXX DL was. 
I have moved to XXXX since I opened the account - and had given them a change of address in person before I left XXXX. 
I asked to speak with a supervisor and even though by this time I had located my XXXX DL she said I had to call another number - I was transferred to ( XXXX ) - they told me that I needed to go a branch office. The nearest branch office is 3 hours away from me in XXXX, XXXX. 
They then asked me for the branch information where I opened the account - I gave them the information - including the address and the name of the person who prepared my form. They then gave me the branch of their nearest branch to where I opened the account. 
The third number I called was ( XXXX ). She asked me a few questions and said she would call me back in a couple of hours. I do not believe her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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 applied for credit in XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by Portfolio Recovery Associates appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XXXX to present XXXX this item continues to remain on my report and Portfolio Recovery Associates continue to provide false information from their XXXX XXXX XXXX and XXXX California Location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Richard Sokoloff, Attorney At Law
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. The lawyers info is XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is second complaint, after speaking to his office, his office is no longer answering phone calls and has not sent any of the faxes he said his office would do so this has been 4 months and no updates, he needs to release my insurance funds or I will take the steps of counter suing for the money he placed a lien on. I have contacted another attorney about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/XXXX I submitted a form by certified mail to TransUnion attempting to initiate a credit freeze on my TransUnion credit report. Enclosed with the filled out form was a photocopy of my current Kansas drivers license and a check for {$5.00} ( ck # XXXX ) drawn on my personal XXXX XXXX account. I subsequently received a letter from TransUnion, dated XX/XX/XXXX- file # XXXX, stating my request was denied because only one form of proof was provided, and that if I called them at XXXX I could complete a verbal authentication process and my records would be updated to show my current mailing address. Following this advice I called the number. The CSR did n't authenticate my identification but told me that he could accomplish the credit freeze right then and there if I provided him with a credit card number so he could process a charge for {$5.00} to cover the cost of the freeze. I explained that I had already paid his company the {$5.00}, but he insisted that if I wanted the freeze I would need to provide a card number, which I then did.
Upon receiving my credit card and bank statements this past week I noticed that TransUnion had in fact charged my credit card {$5.00} as well as cashed my {$5.00} check. I called the company and explained this and asked for them to issue a {$5.00} refund. After an extended time on hold, while the CSR conferred with someone else, I was advised that in order for them to issue a refund I would have to provide them with my bank statement showing that my account had been debited. At that point I attempted to impress upon the CSR that I had no intention of providing TransUnion, a company that collects and sells personal private information about American citizen on the open market, with my bank statement, and that if they wanted to verify that they had cashed my check they could examine their own bank statement or related accounting data. This argument did n't seem to phase her and that is where we concluded our conversation.

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 2021-03-07
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a fha streamline refinance with XXXX XXXX @ Amerisave Mortgage on XX/XX/20. I was told the process time would be 30-45 days to close & probably within 2 weeks as this would be a streamline refinance. I was asked to pay a upfront application fee of {$500.00} & to have my homeowners policy put them as lienholder before they could process. The initial disclosures amount was incorrect & I informed XXXX & three more times disclosures sent to me were still inaccurate. I never received corrected disclosures. I was also asked to provide mortgage payoff amount & clear title to my property. Which their underwriters & title company should be doing this as they are charging in closing cost for this service. I did get the information & sent it to them. I was continually asked to send in documentation repeatedly already sent in. 
I spoke to XXXX XXXX ( manager ) & advised him I was unhappy with the continual delays & repeated request for documentation they already have. 
After 6 weeks of nothing moving forward I advised XXXX XXXX XXXX that I wanted to cancel & wanted my {$500.00} refunded to me. I was informed on XX/XX/XXXX that the refund was initiated & I should received back to my card within 5-7 business days. I still have not received the refund & have emailed XXXX a few more times about this & getting no reply now. I did received a email from Amerisave after I cancelled stating they denied my loan instead of them checking the box on their form that I cancelled. Very unscrupulous company. I've seen several complaints about Amerisave on websites after I initiated my application whereas everyone is going thru the same thing & more. 
I would never recommend them to anyone as they take your money & string you along with false promises & now mortgage rates are going up. Alot of wasted time & aggravation for so many people. 
I want my {$500.00} refunded to me so I can move on to a more reputable lender. 
I also have every email between myself & Amerisave to prove all I am saying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
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: Investigation took more than 30 days

Complaint:
I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Experian - XX/XX/XXXX XXXX - XXXX - 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: Convergent Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions Inc.
State: NV
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:
On or around XXXX XXXX I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting 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 2018-02-19
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

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 2022-08-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian removed XXXX  auto loan account that was paid in full. Experian had no legal abilityto remove this account and it should continue to report on my credit reports for at least seven years from time of loan commencement.

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 2021-06-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A complaint was filed with your Agency against Rushmore Loan Management in case number XXXX, and on XX/XX/XXXX, a response from Rushmore was filed with your Agency, reversing their position that I was not eligible to remove PMI, prompting your Agency to close the file on my initial complaint. I immediately requested from Rushmore that an appraisal of my property be conducted with the understanding that I would pay the said appraisal fee. Rushmore acknowledged receit of my correspondence and assured me that said request had been sent to their appraisal office for action. Severally, I was informed by Rushmore that it would be done. This issue of appraisal was supposed to have been escalated, but nothing came out of the escalation. I spoke with a couple of supervisors concerning this issue, yet it is yet to be addressed.

Rushmore is not providing me the reason it is dragging its feet on this matter. I would appreciate your Agency involvement one more time on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Rosebud Economic Development Corporation
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX telephone number not available on behalf of Rosebud Lending XXXX XXXX XXXX Box XXXX XXXX SD XXXX telephone number not available I never heard of them and never contacted them ever in my life. The date it showed up on my XXXX XXXX report is XX/XX/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