BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
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:
CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages XXXX Trans Union and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX XXXX XXXX XXXX refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate

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 2022-02-15
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you. 
I want this account to be wiped clean, taken off my credit report and closed once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: NY
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 have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: NY
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:
Equifax has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. EQUIFAX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with Equifax responded that an investigation with the furnisher has been initiated and I should wait for their response EQUIFAX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action EQUIFAX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( XXXX ) ( i ) ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX BANK and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, On XX/XX/XXXX I received an email from Experian stating that I had changed my email address associated with my Experian account. I had not initiated this change. I tried calling Experian and was able to put a fraud flag on my credit accounts, but was not able to speak to a person. I have emailed their customer service 4 times with no response. At this point someone has had control of my Experian account and all the information associated with it for 24 hours. I can not log into the account, I can not reach anyone at Experian. Please help me reach them and regain control of my account. I am a single mother of 2 and I don't have the resources to handle the fallout from identity theft. Please advise. Thank you.

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 2019-06-11
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
30 Days ago I was informed by my credit tracking applications that I had new reports on my credit report. I went to see them, and I found 8 different accounts from Navient had gone delinquent. I had no knowledge of these accounts, and was never once informed that they needed to be paid. Up until this point, I had never missed a credit card/car payment/student loan payment in the entire length of my credit history. I called Navient, and they pushed me hard to forbearance, and told me that the accounts should be pushed to current and that all past due payments would just be added to the balance and negated. Today I had called them to do a follow up to see why the accounts were just marked as current and not fully removed as late, and they told me they would not be able to remove them from my credit report. When it comes to the loans, they had never tried to contact me once besides them stating that they had sent emails reminding me of the payment due. My phone number was correct and never changed, and they had the right contact information for my mom as well as myself. The address was also correct for the both of us. They had said that due to me being enrolled in " paperless '' they had never tried any other method of contact. Thus my accounts being delinquent and late has crushed my credit score when I was completely unaware of the fact that any of these payments were due. If I had, I have more than sufficient income to make said payments, and would've happily done so as you can see with every other account in my name including other student loan accounts.. They also informed me that it is my responsibility to keep them up to date with current information, meanwhile the only information they had wrong/ever chose to contact me through was an email address that was wrong and I no longer have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back XXXX. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.

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 2022-02-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$0.00}

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 2017-07-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My actual complaint was not an available option. 

My complaint is against Rushmore Loan Management Services because they refuse to initiate a funding fee repayment. 

My VA XXXX status was pending at the time we closed on the account ; however, I have now been recognized as XXXX by the VA and can now request that my VA funding fee be returned. 

The VA stated plainly that the mortgage company that holds my loan must initiate the repayment through the VA funding fee payment system and that nothing else would change about my loan and that I did not need to provide any documentation to the mortgage company. 

I initially spoke ( XX/XX/2018 ) with XXXX ( ID XXXX ) and later ( XX/XX/2018 ) XXXX ( ID XXXX ) and they are refusing to submit this request and are requesting my XXXX paperwork. 

Rushmore Loan Management purchased my VA loan but is completely ignorant of the VA loan, and is unwilling to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: LTD Financial Services, L.P.
State: NH
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 received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For the billing period  of  XX/XX/XXXX  we had sent an electronic payment on  XX/XX/XXXX  and the funds were received and deposited by Ally Financial on  XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on   XX/XX/XXXX  making it 30 days late. upon receiving the  the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on  XXXX   XXXX  and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXXXXXXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.

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 non-monetary relief
Consumer complaint received 2017-07-12
Company: Professional Credit Management, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.

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