BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  ), XX/XX/2019 ( XXXX ), XX/XX/2019 ( XXXX  ) Obtained from all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid an escrow amount of XXXX in XXXX 2015. Since then I have been fighting with Freedom Mortgage every month regarding my payments because they did n't apply my escrow payment, then they started withdrawing higher amounts to cover the additional escrow fundings. Then in called in XXXX stating all these issues, they said oops their fault they will fix everything, they put the blame on XXXX, I said you are the same company with XXXX different names so the blame stays with you. I need my issues fixed, this is my XXXX mortgage, I never had any issues with my XXXX home loan. I received a statement dated XXXX/XXXX/2015 and it says I missed a payment of XXXX ( my payment is XXXX ) I have unapplied funds of XXXX and now they want me to pay XXXX. I called and spoke with XXXX XXXX, she said it was a mistake it 's all fixed now. I explained Freedom Mortgage has been saying this since XXXX and it 's not not fixed, I am filing a compliant. This company needs to be looked into at the highest level, and same with XXXX, because between the both of these companies something is not right, and the consumers are paying for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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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 2018-10-04
Company: Presto Auto Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had took out a title loan and had to file bankruptcy a few months after taking out the loan and this loan was included in the bankruptcy. I was able to get that dismissed and then I get a letter they had possession of my vehicle and were going to sell it in 5 days. I made an arrangement with XXXX XXXX to pay {$1000.00} by the following Tuesday XXXX. She ended up raising it to {$2000.00} and then {$3000.00} by the deadline saying XXXX XXXX would not allow her to take less. I was able to get the funds to them. They also claimed I was being charged storage fees that they were renting a space to store my vehicle. I paid the balance off a few weeks later and it turns out they owned the lot my vehicle was at behind one of their stores. I am requesting a refund of the difference in the agreement of {$2300.00}. This company is unethical, misleads and are untruthful in dealing or making payment arrangements with the public. If they somehow take possesion of your vehicle they will charge additional " made up '' fees and hold the vehicle hostage to get additional money out of the public.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. 

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 2021-12-08
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX 2021 RENTDEBT AUTOMATED XXXX and collection account was removed from my credit report however, it was added back XXXX XXXXXXXX 2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$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 2022-07-17
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE New infomation New update I claim harm by way of trespass, fraud and Dishonor on XX/XX/XXXX ADVANCE AMERICA stated that they validated alleged debt after requesting " an authenticated record of accounting in order to validate and verify alleged debt '' this is what ADVANCE AMERICA sent " According to our records, XXXX XXXX entered into a Customer Agreement ( Agreement ) with Advance America on XX/XX/2021 at the storefront located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Agreement, XXXX XXXX agreed to repay an amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX  cents ( {$1200.00} ) in XXXX ( XXXX ) bi-weekly payments of XXXX XXXX XXXX dollars and XXXX cents ( {$200.00} ) each and XXXX ( XXXX ) final payment of XXXX XXXX XXXX dollars and XXXXr cents ( {$200.00} ). After receiving no successful payment from XXXX XXXX, his account entered into default status on XX/XX/2021 with a balance of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ). XXXX XXXX XXXX reach out to our collections department at XXXX to discuss mutually agreeable payment arrangements for his outstanding balance. Advance America strives for excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Based on the above, we hope this matter is resolved to your and XXXX XXXX satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, XXXX XXXX XXXX of Florida XXXX XXXX under any applicable laws, statutes or procedures. '' Notice to ADVANCE AMERICA I have the right to ask questions and you have a duty to answer them. I also have the right to obatin clear, complete and accurate information. 

I conditionally accept your offer upon proof of claim Pursuant to Federal Law 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( b ) ( c ) - Validation of debt Failure to comply with Federal Laws and dishonor I will hold the CEO, President and Vice President of ADVANCE AMERICA liable for fraud and dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: IL
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:
Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 p

ercent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file

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 2016-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company called me threating to take me to court if I did not pay this bill. I found out they are unlicensed to collect in this state and it is an illegal collection. This is a bill for my ex husband not me. I felt threatened and bullied into paying this bill that is not mine to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: IL
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:
Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint about PARAGON Revenue Group who sent my medical bills that were under dispute to Credit Bureau. I am a XXXX patient and had large amounts of bills for my medical treatment during year XXXX. Since I was eligible for XXXX XXXX, I was in contact with XXXX XXXX in sending documents to prove my eligibility and to receive the proper discount and pay the rest of bills. After I received my medical bills from PARAGON, I notified PARAGON in writing in less than 30 days from the date of bills. I explained it to PARAGON that the amounts of bills are not correct, I am eligible to receive hardship discount for my medical bills and am waiting for XXXX XXXX response. In spite of that PARAGON reported me to Credit Bureau and damaged my credit. 
PARAGON has damaged my credit by sending the bills that were under review to XXXX XXXX. Assistant Vice President of XXXX XXXX XXXX in XXXX XXXX contacted PARAGON on XX/XX/XXXX, and asked PARAGON to reverse the derogatory reporting against me but PARAGON has not done any action so far. I also contacted PARAGON in writing on XX/XX/XXXX and asked them to remove my name from Credit Bureau. ( Please see attached ) As of now PARAGON has not done any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding has repeatedly attempted to collect debts from me that are much more than the original creditor has asked. Theyve placed a number of shady accounts on my credit file and have yet to provide me any proof that I have agreed to pay any additional fees on my balance to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CARE Credit credit card. Used only for XXXX/XXXX  etc. offices : When I was at XXXX XXXX office and was told that I needed XXXX XXXXXXXX in both XXXX  and had to pay before XXXX date, the XXXX  staff explained to me that if I could not pay the XXXX in cash I could apply for Care Credit credit card and if I paid all of the Promotion ( s ) on time I would not be charged any fees or interest charges. The first month bill I was sent to my home there was a so call card Security fee {$39.00} & no interest charges for that month. I then proceeded to call the XXXX # I was told that I could not request to remove the charge $ I then asked for a supervisor and instead of being transferred to one, very rude. I took the bill to the doctors office and XXXX XXXX staff ) who opened the account for me told me she would call the bank. XXXX call me back and she said she talked to a supervisor and not to worry. That never happened. I have charges every month.

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 2023-02-27
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation