BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Zachter PLLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to contact XXXX XXXX on issue and reached out to XXXX Zachter Law Office in response to liens placed on several accounts. Since its on a recorded line the staff from paralegal to further representative were disrespectful to me multiple times. I asked how to pay, can I pay over the phone and told by the staff I was rambling/disrespectful. I wanted to get clarity on when this had gone to court, Why was I not appropriately served, and I did not wave my right to a NEW YORK court when XXXX funding is located in Florida. I will be reaching out to the New York XXXX XXXX XXXX XXXX XXXX and many others to stop the unlawful liens, court dates I was not notified of, and illegal activities of the Zachter Law Office staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Maximus Education, LLC dba Aidvantage
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Describe what happened, and well send your comments to the companies involved. 
Include dates, amounts, and actions that were taken by you or the company. 
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

I consolidated my loans twice, simply to be able to make one payment a month instead of multiple payments. The first time they mistakenly did not include all the loans, they admitted it was their error and so I initiated a second consolidation. None of the many people I talked to made me aware that my repayment time period would be extended due to the consolidation. Today, that information is clearly displayed on their website but years ago it was not clear or disclosed. If I had been made aware of this, I would not have consolidated my loans. Had I not consolidated and just continued making many separate payments each month instead of one, I would be done with my loans in five years instead of 11 years from now. Their failure to be transparent and provide complete information equates to six additional years of payments from me which is an undue burden and financial hardship. This is unfair. The servicer at the time was XXXX but it's now Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Received a call at work from the JCPenney Credit Card company ( XXXX XXXX ) on XXXX  around XXXX XXXX at my place of employment. I asked them to phone me after XXXX XXXX at my home  number and not to contact me at work. The lady on the phone would not listen to me and kept asking me questions over and over. I again stated that I needed to get off the phone before I got in trouble that I was not allowed personal calls at work, she told me she did n't care and kept talking. I finally told her that I was going to hang up that to please remove my work number, she keep talking and asking me questions about my account. I finally had to hang up because my boss was standing over me with a mad look on his face.

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 2017-10-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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

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 2022-04-01
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 am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from XXXX without my knowledge. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me back.

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 2022-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I don't know where to begin it doesn't take a lot of perspicacity or ratiocination to realize this bank needs to be sanctioned and whoever is in management should be sitting in jail. Apparently they feel they can take advantage of protected classes and get away with it. 

1. I had two transfers XXXX for XXXX and another for XXXX that just disappeared. No one hear or saw anything I however have a copy in the bank I transferred the funds to that in fact they were in the bank and then illegally taken out but in the form of another deposit. 

2. They made my account negative balance and it is not true. They have charged me a ton of insufficient funds fees to probably to make me look bad and this has decreased my credit score by XXXX points! 

3. Now I log into the account and I see all these charges that I disputed they are back on the statement, the account is gone, so I call and I get a lady that is very friendly and I am on hold for a long period of time as I write this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a product online the gentleman stated that he had sent me the full amount I received an email from Zelle support stating that the funds going to be deposited into my account until I verified that I was attempting to send funds or receive funds from that individual zelle support emailed me requesting me to send funds to the individual I sent funds later I found out that it was a scam the representative at Zell so that theres absolutely nothing that they can do and the person can create a new Zell account and my bank also stated that there was absolutely nothing that they could doI was supposed to receive {$1200.00} and then with the {$500.00} that I had sent would be a total of XXXX however I did not receive any of those funds I am just out {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: IN
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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

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 2017-10-26
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 is missing that should be on the report

Complaint:
On today I spoke with XXXX who said he was a special handling supervisor for Experian. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Experian and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

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 2017-10-06
Company: Harvard Collections, LLC
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: Account information incorrect

Complaint:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity bull SOP for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.

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 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Need to File a complaint on Transunion I have asked them to investigate an account that I'm not sure is mine They keep claiming that the info was Verified as belonging to me I had asked them to send me Physical Proof as to How they investigated it and they refused I had reached out to the creditor they told me that they had no information about the account so I asked Transunion to look into but they have failed to do their Jobs I need physical proof that this account is in fact mine I need a credit app or any type of voice auto that it is in fact my account if they can't send me either of the requested info this account CAN NOT BE REPORTED IT HAS TO 100 % VERIFIED! so I will asked again and this will be my last before I take legal action XXXX XXXX ACCOUNT XXXX Please be advised this is my XXXX 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items 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 Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section  611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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