BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Diversified Consultants, 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:
XXXX is reporting a {$410.00} unpaid debt to Diversified Consultants. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact XXXX. This a fraud account from XXXX for XXXX service at a Michigan address. I have been XXXX XXXX military since XXXX, and in XXXX I was stationed in California, so there is no way this account was mine. In XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX  removed it from my credit report in XXXX, but XXXX is still reporting it. I need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XX/XX/XXXXXXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX 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 2019-01-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is reporting on my XXXX and Experian credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/nXXXXcomplaint.pdf http :  //www.consumerfinance.gov/newsroom/cfpb-sues-XXXX-for-illegal-online-loan-servicing/

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 2017-12-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: WA
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 do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}

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 2019-01-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is reporting on my Equifax and XXXX  credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/XXXX.pdf http : //www.consumerfinance.gov/newsroomXXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Account information incorrect

Complaint:
The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.

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 2020-10-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a car and financed it through Toyota Financial Service. The financial term was for five-year, but I paid the car off within 2 years. Toyota stated that they sent me my car title, which they were not able to provide a tracking number for it. I waited 2 months and still did not receive my car title to register my car at another state. One of their customer representatives said they would help me obtain a duplicate title. However, when I called back they insisted for me to do it by myself. I had to pay for a title that was supposed to be sent to me after a paid-off. I contacted the state DMV and they indicated that Toyota did not request a title, and that the car was still under their lien. So Toyota had to send me a lien release after several contacts. In the end, they were not responsible for the title, and I had to drive back to the original registration state to request a duplicate. This process took way too long and had costed me money for a title that I deserved to receive at the end of my term. Toyota handled the situation very poorly, and their customer service representatives were not trained well and provided different solution every time. I would like for Toyota to pay me back the title fee incurred for having to do a duplicate title. This was because they could not send me the original title and blamed that responsibility on the postal service, when they did not even have a tracking for an important document they sent out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 I received an unsolicited call from Amerisave Mortgage Company. I was informed by the representative that the bank had accessed my credit report to determine I have been preapproved for a mortgage with their company. At the time they requested my report I had not even heard of their institution. My credit is excellent and I am not in the market for a mortgage considering my mortgage has been paid for two years, and this company inappropriately accessed my confidential And private financial information. If there is not a law preventing unsolicited access to my credit report there should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was charged a {$34.00} fee in my business bank account because a {$700.00} check was returned. The reason this check was returned was that I had ordered these counter checks from my checking account but never looked and saw how they were not from my checking account but from my business checking account. The Chase Bank folks had not printed checks for the right account. This was especially bad because they had withdrawn the fee from my checking account and I had clearly told them to do it for my personal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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:
Experian is reporting a {$410.00} unpaid debt to XXXX XXXX. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact Experian. This a fraud account from XX/XX/XXXXfor XXXX service at a Michigan address. I have been XXXX XXXX military since XX/XX/XXXX, and in XX/XX/XXXX I was stationed in California, so there is no way this account was mine. In XX/XX/XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX removed it from my credit report in XX/XX/XXXX, but Experian is still reporting it. I need this removed from my credit report.

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 2018-07-31
Company: Experian Information Solutions Inc.
State: AL
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 have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

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 2018-07-31
Company: iFreedom Direct Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The appraisal ( 16-VA-517 ) was and is so defective that the VA Appraiser attempted to amend and supplement the appraisal either retrospectively or with the facts as he had established them. The VA Staff Appraisers refused him that necessity. He immediately refunded me the costs I paid him for that appraisal. I told the Originator that the appraisal was wrong, I told the closing agent and it is obviously so defective that it in no way reflects public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: LCO Financial Services, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I send a certified letter return receipt to the address listed on the website on XX/XX/2018. On XX/XX/2018 I place a stop payment on my checking account to prevent any additional payments from being taken and they are still coming out. On XX/XX/2018, the amount of {$530.00} was deducted from my account. I want my money refunded. 

Tracking number for certified mail is 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 2020-12-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a property on XX/XX/2020 on which Flagstar held the mortgage. Consequent to closing, I received a letter dated XX/XX/2020 demanding {$350.00} fee not collected at closing. The letter threatens to collect and cloud the title to the property and refusal to issue satisfaction of mortgage. The letter gives me 10 days to send payment. I contacted Flagstar to contest and provided a copy of closing documents, their payoff demand and payment in full - and was issued reference case no. XXXX. I have asked for assistance resolving and written confirmation of a resolution. Numerous calls to the Customer Service/Payoff Department said they have to research the matter further. To date, Flagstar has not responded with additional information regarding the charge. Flagstar shows the matter is still unresolved and pending collection. I am requesting assistance in resolving the matter and obtaining confirmation from Flagstar the mortgage has been paid off, and the satisfaction of mortgage. Flagstar remains unresponsive.

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 2019-01-31
Company: Ad Astra Recovery Services Inc
State: NV
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:
XXXX  has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO  Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-01-31
Company: BC SERVICES, 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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX was a victim of ID theft. Her information was used to obtain medical treatment and services at a location in Colorado that she never authorized. Several collection accounts were established related to that service. While the majority of those accounts have been disputed with success, BC Services has failed to remove the data from her XXXX  credit reports ( obtained XX/XX/XXXX ) as outlined in the FCRA.The first formal dispute was provided to BC Services XX/XX/XXXX, and again XX/XX/XXXX and again XX/XX/XXXX. Even after submitting this information BC Services still attempted to collect on this debt after the data was provided to dispute this account as fraudulent. Address confirmation information was provided to BC Services to show she did not live at the address of the first established medical account as well as a police report indicating the issue was ID theft related. 
BC Service continued reporting of these accounts is a violation of the FCRA and FDCPA and my clients consumer rights.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, XXXX  AND TRANSUNION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced our homes with XXXX XXXX XXXX. The refinance was initiated on XX/XX/2021. The refinance was completed on XX/XX/2021. The loan was paid off in full ( see proof of statements attached ) to our current bank -- Guaranteed Rate, XXXX. and servicer XXXX XXXX XXXX. The receipts show that the principal balance was paid in full on XX/XX/2021. We received updates from our new servicer, XXXX XXXX XXXX, requesting for payments starting XX/XX/2021. On XX/XX/XXXX, we received yet another letter from our old lender/servicer ( Guaranteed Rate LLC. ) informing us that the servicing of our loan is now transferred to XXXX starting XX/XX/2021. We now have two lenders asking us to pay two mortgages on the one loan.

Company response to consumer: Closed with explanation