BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are two medical bills from XXXX Hospital, one from XX/XX/XXXX and one from XX/XX/XXXX that is now in the hands of Eastern Account Systems a collection agency. This hospital either failed to submit to the insurance companies or is trying to get paid twice for the same bill. I never received a bill from the hospital for services stated above only an invoice from the Collection Agency dated XX/XX/XXXX. My insurance companies of XXXX and XXXX would of covered the services on the dates mentioned above. Now I have a Collection Account on my credit reports from the shady Eastern Account Systems. I was forced to hire a Financial Consultant to assist me with this scam company. They refused to work with him stating they " are not authorized '' to speak with a third party. Who gives them such authorization? It cant be me since technically its not my account and they are not even authorized to speak with me since there is a cease and desist order! All this company did was send me a shady so called " invoice '' that looks made up and is not even verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: Helm Associates
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Credit Technologies, 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 am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is fraudulent 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 2019-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-09-17
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my Transunion credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize LXXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.

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 2021-09-12
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Community Bank, I have close account and paid fees for month of XXXX, sent check they don't pay to accouny till after due date and charging more late fees, it going since XXXX, They holding payment after due date, hurting my credit, I have tried to deal them, they always a excuse that I don't pay in time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this bill is or who its for I have never used this company before and I was certainly never sent a bill for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is the servicer handling my Mortgage Loan. Because of the various hardships, already mentioned in my hardship letter and various other communications, I fell behind on my Mortgage payments. 

Hence I have submitted an application for a Short Sale. I understand my 3rd Party has submitted all the necessary documents to Ocwen and they have acknowledged it as well.

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 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This issue involves more than one entity. I purchased an item with XXXX XXXXXXXX XXXX XXXX XXXXXXXX via pay installments with Affirm using my credit card with XXXX XXXX XXXX XXXX XXXX quoted a 3 business day delivery and express shipping. XXXX never responded to my inquiry for express shipping so I cancelled the order the next day. A week later XXXX sent me an email saying my item was shipped from XXXX, NJ. I sent another communication telling them that the item was not authorized to be shipped due to them not following their express advertisement. They responded saying since it was already shipped I needed to wait for receipt and return the item to get a refund. Every week since then I have received an email saying that my item was just shipped from various locations with various tracking numbers which were not valid on any system. I advised Affirm of this fraudulent activity and told them all of the above. I also sent them images of the aforementioned. Affirm denied my claim once and when it was escalated with additional verification images they ignored my claim. Additionally, I encountered 2 representative at Affirm including XXXX XXXX who were extremely intent on not investigating nor resolving this issue. I tried filing a claim with XXXX however their turnaround time is unreasonable. I have encountered several fees in accumulated debt due to the unnecessary willful mishandling of this fraud merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Financial Management Solutions, LLC
State: MD
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

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 2023-02-03
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
15 USC 6802 : Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX XXXX. Some time ago I did a balance transfer to that card of about {$7000.00} at XXXX percent interest until XX/XX/XXXX. I also had some purchase balance on the card. I started paying extra in XXXX to pay off the higher interest purchase balance. When I looked on my statement this month I noticed that the transfer balance had been reduced instead of the purchase balance, which is at a higher interest rate. I called the company today ( XX/XX/XXXX ) and asked them what wash going. They told me that they always apply payments to the higher interest rate first. I told them that it was my understanding that the law required them to apply extra payments to the higher interest rate. The representative told me that she had never heard of anything like that. I did some research and found that under the Credit CARD XXXX of XXXX they should have applied the extra payments to the higher rate first.

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 monetary relief
Consumer complaint received 2019-04-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Cardinal financial contacted me XX/XX/XXXX concerning a refinance request that I submitted on XXXX XXXX. I had spoke to XXXX XXXX  a few days prior, and had been advised to wait until XXXX, XXXX to apply for the loan because my credit score needed some work. XXXX XXXX from Cardinal stated that Cardinal was able to conduct manual underwriting and my credit score should not be a problem. First she attempted to try for a VA loan, but it was denied. She then recommended trying the FHA loan, and then resubmitting for a VA loan after a few months, which would have been late XXXX, XXXX. After asking numerous times if there would be any problems doing a VA loan after just a few months, she assured my wife and I that it would not be a problem. With our current VA loan at the time was at XXXX XXXX and the FHA loan was XXXX XXXX with monthly mortgage insurance, we would not have wanted to stay in this loan for the 210 day loan seasoning if we had know that we would have to wait the 210 days before applying for the VA loan. 

After talking with XXXX on XX/XX/XXXX she informed me that she had just recently found out that there was a 210 day seasoning period for loans. I called the Department of Veteran Affairs on XX/XX/XXXX and was told this has been in effect since the beginning of XXXX. Since that time I have requested to speak with Katrinas supervisor and have called Cardinals Customer Advocacy department on the XXXX of XXXX, the XXXX of XXXX, and XXXX of XXXX to discuss this issue and have not had any returned correspondence. After researching this issue, I believe Cardinal has used predatory loan procedures and loan churning practices during my refinance process. I would not have conducted business with the them if they had been forthright with the current laws concerning the seasoning of loan guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CarMax, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
bought a vehicle thru carmax returned it wouldny take it back stuck me with bad debt because i returned other lemon vechilces to company before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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 a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXX XXXX XXXX  and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief