BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: AMERICAN ADVISORS GROUP
State: WI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a reverse mortgage with AAG in XX/XX/XXXX. I was approved but they said there were a few things I needed to fix. Clean up a few spots, and install carbon dioxide detectors. There were some other things that they said I needed to fix but they were outside and we had an early snow so they were going to set aside some money from the loan, after my contractor gave them a bid, for the work to be done in spring but I had to pay for the work first. Than they would give me the money back. I had to have the appraiser come back to check the few things I had to do. At issue was I have a lot of stuff in the basement and their underwriting department is making a big issue of this and they wanted me to move everything out of my basement so the appraiser could spend 5 minutes looking at the walls. I also had to pay for a structural engineer to come who gave me an all clear of the basement other than the few things to be done in spring.

I have written 2 letters to the president of AAG. I never received a response from him. I have spoken several times with a XXXX at their XXXX office who after dragging this out for yet another week told me today that now the underwriting department has decided that I have to now pay for the grading outside to be done that they already approved to be done next spring, that I have to pay for a mold inspection to be done, even though the appraiser only noted one mold spot and noted that it had been cleaned up. The spot was because my tenants wash machine leaked. And than I have to have the engineer come back. Again payment has to come out of my pocket. {$600.00}. And my application and appraisal will expire in 4 days. Tomorrow is XXXX eve. XXXX said they could do an extension but I have to have all the above done. When I asked why there was a change and basically the underwriting department can do what they want. 
I feel this is in retaliation for my complaints to the president and complaining about there processes. I feel basically harrassed. I am asking for your assistance in this and I think their should be some consequence for their behavior. I also feel they should reimburse me the XXXX I've had to spend trying to comply with their demands. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter to dispute and request the immediate removal of two fraudulent hard inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft, and I am deeply concerned about the impact these unauthorized inquiries may have on my credit standing. I have taken all necessary steps to investigate these inquiries and provide evidence of their fraudulent nature.

The unauthorized hard inquiries are as follows : Inquiry by XXXX - Miscellaneous Finance on XX/XX/XXXX Inquiry by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I would like to bring to your attention the following reasons why it is implausible that I would have sought loans from the listed creditors during the mentioned periods : XXXX - Miscellaneous Finance : On XX/XX/XXXX, I was not in a financial position to seek any new credit arrangements, as I was in the process of recovering from a major medical expense. During this time, I was focused on managing my medical bills and restoring my financial stability, rendering the need for additional credit completely unnecessary. 

XXXXXXXX XXXX - Auto Loans : On XX/XX/XXXX, I was already a proud owner of a vehicle, and there was no reason for me to explore new auto loan opportunities. Additionally, I had been diligently working on improving my credit score and maintaining responsible financial habits, making the decision to apply for an auto loan contradictory to my financial goals.

I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, I have contacted both XXXX and XXXXXXXX XXXX to investigate these unauthorized inquiries. To my disbelief, both creditors confirmed that I had never initiated any credit applications with them during the specified time frames. Their confirmation provides further evidence of the fraudulent nature of these inquiries. 

I kindly request that you initiate a thorough investigation into these unauthorized inquiries and ensure their immediate removal from my TransUnion credit report. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and help rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance in resolving this fraudulent credit issue. Please feel free to contact me if you require any additional information or documentation to facilitate the investigation process. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
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:
I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police 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 explanation
Consumer complaint received 2023-09-27
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I hired a solar company XXXX XXXX XXXX to put up solar panels XX/XX/XXXX. this company went out of business and did not complete the installation. one month before the loan company ( Goodleap XXXX Ca XXXX was to begin the billing I contacted them and told them that the panels were not installed yet. they told me to contact the solar company and have them issue me refund for the months i had paid. I didn't asked XXXX  ( solar company ) for a refund because i saw that the solar company was working on the installation. but in XX/XX/XXXX Goodleap ( loan company ) contacted me to advise that XXXX  ( solar company ) had closed their doors. I contacted Goodleap 's customer service to find out if they had paid XXXX XXXX XXXX  for the installation and I was told that the loan had not funded ( they did not pay ). Goodleap said they were working on getting a new solar company to finish my installation. I contacted the new solar company to find out when they were going to come out but they never returned the few phone calls I made. I then contacted Goodleap and told them to tell me when the installer was going to come out because they were not returning my calls. I also asked Goodleap to stop the payments until the new installer completes the work because i am also paying the electric company. But I didn't receive any options or solutions. If I stop paying the loan they will add the interest to the end of my loan. as of now I have not heard from Goodleap or the solar company as to when they are going to finish my installation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF THE WEST
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early. 

On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan. 

When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX 2. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

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 2020-10-08
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
They sent me a settlement and refused to honor.

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 2023-03-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

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