BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responded to a contact about collecting a debt by GC Services. GC Services contacted me and my family by phone and identified the debt as due. I told them the person they are trying to reach is not available in this phone because she passed away. I told them several times to stop calling me because I do not have any responsibility for the debt they trying to collect.I also told them if they have good reason to believe that I am responsible for this debt, mail me the documents that make them believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop the collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If they report it to a credit bureau or have already done so, also report that the debt is disputed. Thank you'r cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: National Account Services, Inc.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I went to XXXX  XXXX University and have a small loan that is dealt with by XXXX  XXXX XXXX. I paid off the loan early - I believe my final payment was mid XXXX. I paid the balance on the loan per what XXXX had on their website. I logged on to the same website about a week later and saw I had overpaid by a little over {$9.00}. I had not received any further information from XXXX so I called them on XX/XX/XXXX regarding the refund. They advised that I had overpaid but they couldn't refund me anything under {$25.00}. 
XXXX  submitted a request to XXXX for a refund of the {$9.00}. Today ( XX/XX/XXXX ) XXXX  informed me XXXX is refusing to refund me the money I overpaid. I have contacted the XXXX financial office with no reply. I believe they should refund me my money since this appears to be an error with XXXX. Again I paid the balance of my loan per what their website said I owed the day I paid off the loan yet they've advised me I somehow overpaid. If their balance was correct then I wouldn't have overpaid.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-30
Company: Palisades Funding Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i and my sister bought the car on XX/XX/XXXX from XXXX XXXX XXXX our loan company was paleside .. we XXXX dollar down payment and one monthe car payment XXXX dollar upfront total XXXX. from that date we never missi payment until this month we were 10 days late but the loan company reposes my car and illegally asking me more money and another six month payment in advance and so many hidden fee.. i try to contract but they denied said boss or owner its not there.. we become so helpless and they didnt say any thing to us. kow they are saying they dont have any grace period.. they already harasing us verbally and socially

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently went through a refinance process with Better.com for $ XXXX principal left on my loan, with a cash out of approx $ XXXX. I signed the closing documents on XX/XX/XXXX with the right of rescission period ending on XX/XX/XXXX ( Saturday XXXX XXXX, skipping XXXX. I did decide to cancel, and sent the notice of cancellation documents that Friday via email to my closing agent as well as the mortgage agent, and also uploaded it into the provided space in the Better.com site. I also received confirmation of receipt by the closing agent as well as by another agent that they received my cancellation via email and on their site. 

Since then, it's been two weeks and they have yet to fully process the cancellation. My original loan company is still showing as being fully paid off and I'm unable to make my mortgage payment because of it. 

I've contacted my closing agent every other day or so, as well as have wired the cash out back to the title company. The closing agent said that he had submitted the cancellation that Saturday, and reassured me on Monday that everything was cancelled from their end as well as from the title company. He also stated that the reason everything went through was that because it was a " holiday weekend '' everything had been automated before then. Additionally, since he was out on Friday he couldn't click the button - even though that Friday was part of the rescission period. 

Since then, I keep on receiving automated messages from them about funding the refinance as well as next steps to take with the new loan. When I emailed him about each new email, he kept on reassuring me that everything was fine. 

When it went past the first week of XXXX, I started worrying about my XXXX mortgage payment, and the closing agent again reassured me that it would be fine. He finally told me on XXXX ( 1.5 weeks after I had rescinded ) that currently it was not Better.com 's fault that the cancellation has not completed. 

I'm very frustrated that it has taken over two weeks so far for a cancellation to fully process, as well as the closing agent 's runaround in saying that the reason for everything is because it was a " holiday weekend, '' which they must have known and planned for if they had me close right before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: PA
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. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Between XXXXXXXX XXXX XXXXXXXX Credit Card added a new account from XX/XX/2014 to my Equifax credit report that was charged off and is almost 9 years old, dropping my credit score XXXX points. I believe this violates the fair credit reporting act and my rights. It is past the statute of limitations and has been charged off and should not be reappearing on my credit report. Additionally, the company is stating inaccurate information about last payments received to justify reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have records of missed payments that never happened.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  I paid off all credit card debt. XXXX and experian reflected XXXX XXXX balance but never updated my credit scores. I have requested my score and can not get it updated. I now as of today gave 11 account less then XXXX debt and my credit score is not being updated. XXXX is the only one that has reflected a current credit score. 
I want my credit score update and a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked your loan they denied and close the account

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They allowed charges then charge me overdraft fees and closed my account

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX  did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: VA
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 have a bunch of credit inquiries that do not belong to me

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In a matter of 60 days my Wells Fargo XXXX checkings account was 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 2018-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates added a negative item to my credit report in XX/XX/XXXX. I called them and inquired as to what this debt was and how it came to be that it was assumed my debt. I then asked for them to verify that this debt was indeed my debt and to send my proof ( such as an application, with my signature on it, in it's original form ) proving that this debt belonged to me. Om XX/XX/XXXX what I received was a bunch of statements with nothing more on it than my name, address an account number a balance and dates from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX? /This was not what I asked them for, nor was it proof that this was my debt. So i disputed through the Credit Reporting Agencies, They claimed also that they verified the debt, yet they also failed to answer my request for the method of validation. So in XX/XX/XXXX, almost a year from the time that this item was on my credit report and had brought my credit score down by 48 points, I requested the information again, this time asking for specific documents verifying that this debt was my debt, Once again I received a letter from them stating that " We have completed our investigation of your dispute concerning your account '' and inside the letter was the same exact information that was sent before, They haven't sent the application, because they don't have it and have never had it because I never completed an application with them, Furthermore, the Fair credit Reporting Act says that furnishers of information must " Provide complete and accurate information to the credit reporting agencies within 30 days of the dispute or the information must be deleted ''. Portfolio Recovery Associates has yet to do so after one year.They was reprimanded in XX/XX/XXXX by your Bureau and it seems that they are back to their old ways. I have been harmed by this reporting as it has cost me job opportunities as well as increased financial distress and I had no other option ( at this point ) than to seek assistance with this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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 submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was incarcerated. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.

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