BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: GOLDMAN SACHS BANK USA
State: MA
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:
Primary address is wrongaccount is on freeze and companies still accessed credit report. Wrong phone numbers or numbers that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As far back as XX/XX/XXXX I requested debt validation from ARS in which I did not receive a response. On XX/XX/XXXX I sent them a letter notifying them that the account has not been removed which is a violation they should have deleted the account, investigate the account, and provide me validation of the debt. I received no correspondence from the company. I then took a closer look at my credit report and it also appears that they re-aged the alleged debt because the date of last activity reports XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and 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
Consumer complaint received 2018-07-24
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What and absolutely awful and deplorable organization this is. Every single person I attempted to have conversations with were rude and unprofessional. " Hurry up sir and can't have you holding up my line. '' Recently XXXX XXXX Mortgage sold my mortgage to a company called XXXX XXXX. Upon reviewing the letter received by XXXX, I reached out to XXXX XXXX via phone call to discuss the transfer process and ensure a smooth transition. It was incredibly unsettling when communications were established with XXXX to learn that they are a collections company. It was through many other follow up calls to XXXX about my account that it became evident that there was a considerable amount of unprofessionalism and lack of intercompany communication. It was challenging to find and obtain a member of this company who could provide me with the information regarding my account. After the unsatisfactory encounter, I started to do some research into XXXX mortgage. What I found was profoundly disturbing. I compiled a list of negative reviews. The sources for these reviews are known for their contributions to the consumer affairs environment. The XXXX XXXX XXXX registered 100 complaints in the last 3 years and give the company a D- consumer grade. As of today XX/XX/18 I reached out to my Credit Union for advice. The only choice is to refinance the home through my credit union. This comes a a stiff price of {$12000.00} in closing costs to accomplish and rid myself of the deplorable conditions currently experiencing with XXXX XXXX. There needs to be a better less expensive way to relieve me of something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: JH Portfolio Debt Equities, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
JH Portfolio Debt Eq is trying to collect a debt of {$1100.00} this was included in a chapter XXXX bankruptcy in the State of Oklahoma XXXX District case # XXXX. They are reporting this debt to all 2 credit bureaus showing as an open account and the past due balance is due now. They are now calling me and harrasing me over the debt.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2018-12-19
Company: EQUIFAX, INC.
State: NJ
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 have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XX/XX/XXXXXX/XX/XXXXAcct # XXXX 2 ) XX/XX/XXXX Acct # XXXX 3 ) XX/XX/XXXXXXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been trying to get a loan modification with my finance company and they continually say that I don't have all the documents so that I will miss the deadline date. They are making it almost impossible for me to get a modification as they also know that I'm on XXXX and need help lowing my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted transunion about credit inquiries that was showing up on credit report and I ask them to remove them because I was a victim of fraud ... the credit inquiries was mortgage inquiries I have not authorize no lenders to check my credit for a mortgage loan or auto loan I am not in the market for no mortgage loan or auto loan ... and also XXXX and XXXX XXXX are fraudulent accounts I will like those accounts to be remove also

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 2018-07-25
Company: Bonded Business Services, Ltd.
State: CO
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:
During XX/XX/XXXX I paid a medical collection item directly to collection agency Bonded Business Services. The payment was for {$220.00}. The item was a result of an insurance company dispute that was resolved. I paid the item with the understanding that Bonded Business Services would remove the item from all three credit reporting agencies as it required to under FCRA XX/XX/XXXX. Bonded Business has refused to do so despite three letter demands.

Bonded Business should remove any and all information re this paid medical debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: OH
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:
Under 15 U.S. Code1681 b- I did not give Equifax any written consent to furnish anything on my consumer report and no consent is identity theft. And under 15 U.S. Code 1681 b ( 3 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Both of my consumer rights were violated by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
TransUnion wilful violated 15 U.S.C.1681i ( a ) ( 6 ) ( A ) ( B ), by : A. Failing to provide written notice of the results of its investigation within 5 business days after the completion of its investigation ( XX/XX/XXXX ) ; B. Failing to provide in writing before the expiration of the 5-day ( XX/XX/XXXX ) period referenced to in subsection ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 

As a result of TransUnion 's violations of the FCRA, XXXX XXXX has suffered, continues to suffer and will suffer future damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.

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 2019-04-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Using Toyota Financing 's automated phone system, I made my monthly payment. I received a confirmation number. 
30 days later, I get call from 'toyota collection ' - you are late. There is now a late fee. Pay. 
I explain I made payment on their system and I provide my confirmation #. 
I ask, how can i have a late fee? 
I ask, why no one told me payment did not go through ( I have learned that basically the confirmation # I get/got from Toyota is  useless ). 
Finally -- - the system there is no way i can be notified if a payment fails ... ... only If i pay using their online system ... .then I would get such a notification but If i use their phone system ... ..no notice. and you get a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was granted a loan modification several years ago and was 3 months late. The company Select Portfolio Services claims there's XXXX XXXX due at the end of the loan. Original loan amount was {$140000.00} and now they claim we still owe {$150000.00}!!!. That was the only period we were late on payments and it was due to a hardship. This loan/company is unethical and doesn't add up. We've been paying on this loan for 14 years and still owe more than purchase price? 
I'm at a loss and they can't explain and have hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: ZARVAD III S.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XXXX XXXX XXXX I keep getting calls from this number claiming I owe them money and are taking me to court. Ive NEVER taken out or received a pay day loan. They can not tell me when the loan was taken out ( XXXX ), how much its for, where it was secured. The current balance they claim is {$1000.00}. They sent me an email saying it was being dropped. Then a month later start up with the calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is in regards to another complaint filed XXXX in which TD banks claims I removed a fraud block. However, out of the 6 fraudulent charges, I only removed 1 fraud block. I did not receive any td bank alerts on all the other fraudulent charges. Please provide me with a record on all fraud removals for each fraudulent transactions. Because I only have a record of 1 td bank text alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-11-02
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: Account status incorrect

Complaint:
I have reached out to XXXX, experian, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment

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 2021-06-29
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well. They needed my social security card for the application and gave me an inquiry. Its against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, 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:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
My Account number with General Motors Financial is XXXX. My name is XXXX XXXX. GM Have been reporting my account to the credit Bureaus as late but actually my payments have not been late. In the year of XXXX of XXXX and XXXX of XXXX, I was given a deferment on those two months I paid a fee to have those payments put to the end of the payment book. The customer service representive informed me that a payment will not be due until XXXX of XXXX. She in formed me to pay before or on XXXX of each month if not would be reported late to the credit bureaus.. All of my payments have been paid before or on the XXXX of each month but still Gm is reporting account as late.I do not understand because this is what the customer rep told me.Due to the inaccurate reporting my credit is suffering bad.Thank you very much for your help to resolve this matter. The mix up occurred when I got the two payment defered I think or my payments are posted at a latter date. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX of XXXX when I was able to get back in my chime account my account was in the negative as I continue to look over my tractions XXXX was took from my account starting XX/XX/XXXX of XXXX until XXXX XXXX XXXX that was the last time my account was charged. XXXX XXXX XXXX XXXX are the ones who stole my purse and backpack.with all my important documents. Chime I summit documents to chime allow them to know I filed police report sent to them identity theft report sent to them on XX/XX/XXXX. On XX/XX/XXXX I was directed to the dispute department once they focus on that like spot of me using XXXX play payments after my dispute was filed ten minutes later I was told my dispute is deind I'm out XXXX I'm XXXX  and need my money back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Monarch Recovery Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation