BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: Law Office of Henry L. Robertson PLLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
* Henry L. Robertson d/b/a Attorney for XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, stole private property owned by the consumers Trust claiming the consumer owes a debt, proceeded and took legal actions against the consumer on violating 15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

* Henry L. Robertson d/b/a Attorney did not communicate with XXXX XXXX XXXXXXXX, the consumer about obtaining his place of abodes location, violating15 U.S. Code 1692b - Acquisition of location information * Henry L. Robertson d/b/a Attorney did not receive oral or written consent to contact consumer regarding any debt, violating 15 U.S. Code 1692c - Communication in connection with debt collection * XXXX XXXX XXXX d/b/a Attorney proceeded and sent certain deceptive forms to the consumers place of abode on XX/XX/2021, and XX/XX/2021, violating 15 U.S. Code 1692j - Furnishing certain deceptive forms * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX all XXXX cease and desist orders issued on XX/XX/2021, XX/XX/2021 and, XX/XX/2021 by the consumer, violating Federal Consumer Law , according to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication, * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has used deceptive and unconscionable means to collect a debt , violating15 U.S. Code 1692f.Unfair practices * XXXX XXXX XXXXXXXX the consumer is entitled to damages according to, 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my money market account with a promotional bonus code. I was promised {$300.00} for maintaining a {$25000.00}. I funded my account with {$25000.00} dollars as required for the bonus. The bank website, offers.suntrust.com, states that I qualified for the bonus and the bonus is pending. However, while I maintained the {$25000.00}, I still have not received the {$300.00} bonus.

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 2021-07-02
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I already filed one complaint on this matter and the CFPB is allowing the creditor to continue to abuse me in their calling tactics. In present day and age, any number that calls from a restrictive line and states from the creditor and must provide personal identifying information is not a good sign. No creditor should ever be allowed to secretly call its customers on the phone only to tell them that they want to discuss account but can not discuss the account information unless customer provides personal identifying information. Not a good practice. Furthermore, the creditor limits the ability to pay on loan. If a certain account is not established, you can not make a payment. The customer must either do a one time special payment or establish auto-debit. Until the customer performs extra steps or calls, the creditor tracks as past due and attempts threaten and scare tactics. This firm is now engaging in bad practices and the CFPB and other regulatory bodies are allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: 2288984 Ontario Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$800.00} and have repaid $ XXXX yet this company claims I owe more than {$800.00} still. This is predatory lending. This is obscene!!! They arent even located in the United States, they are in XXXX! 

I already filed complaints and this company 's response was that I am to STILL repay {$800.00}. Ridiculous! The resolution presented is : " PROPOSED RESOLUTION We understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, we would like to propose the following resolution : The outstanding balance on your account will be frozen in the amount of {$800.00}, the amount due as of your last statement date of XX/XX/2019. This means that no further fees or interest will be charged on a go-forward basis from this statement date ; The outstanding balance noted above will be divided into 5 installments of {$130.00} and a final 6th installment of {$120.00}, which will be payable on your scheduled pay dates ; and Once all installments are paid, your account will be closed as Paid in Full. '' MoneyKey is offering zero resolution in this matter. I have repaid the {$800.00} borrowed PLUS {$140.00} in fees. Based the original agreement, MoneyKey expects {$800.00} to pay off the loan meaning MoneyKey would collect {$940.00} in fees XXXX 118 % )!!! I would repay {$1700.00}!!! This is OUTRAGEOUS! 

MoneyKey 's proposal solves nothing. MoneyKey still expects me to pay an additional {$800.00} for a total of {$1700.00} for {$800.00} borrored. Again this is predatory, unethical lending!!! And to add to it, MoneyKey wants to sent payments at a rate HIGHER than my loan agreement. 

25 % interest in a fair interest amount. 25 % of {$800.00} is {$200.00}. I have paid {$140.00} of that. I will pay an additional {$55.00} payable by check to MoneyKey to be paid by XXXX XXXX. 

My account will then be marked CLOSED/PAID IN FULL/IN GOOD STANDING MoneyKey has received its {$800.00} plus additional profits from me. I will AGAIN report this as MoneyKey as provided no resolution. MoneyKey is simply restructuring how it still gets the obscene amount of an additional {$800.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: CA
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:
Hello, I am filing a complaint due to the fact that my credit score is being affected by someone else 's loans. I looked at my credit report and found out my credit score with Equifax is affected by someone else 's actions. The person 's information is on my credit report for some reason I do not understand, but what I do understand is that my credit is being affected drastically because of what the other person is doing. On my credit report that I printed out on XX/XX/XXXX, it shows I have asked for a credit card with a balance of {$12000.00} in XX/XX/XXXX, a student loan of {$1400.00} in XX/XX/XXXX and another student loan of {$3500.00} in XX/XX/XXXX, and a car loan of {$13000.00} in XXXX of XXXX. In which all of those are under Equifax credit bureau. None of those are under my name nor I have control of those accounts. I would like to eliminate all those accounts and the person who is showing up on my credit report, because it is affecting my credit therefore making it hard for me to try to progress. I appreciate the time and look forward into finding a solution regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX has violated my rights XXXX 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, and XXXX claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

Experian/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ).

Under 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information.

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : Experian/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX Credit inquiries ( FTC report submitted XX/XX/XXXX. FTC report # XXXX ) : XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/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 2018-05-25
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX this company has attempted to collect a debt of {$85.00} for an XXXX XXXX XXXX bill five times a day, every day starting from 8am to 8pm. I have tried talking to them, I have put XXXX XXXX XXXX representative on the phone with them and had XXXX XXXX XXXX confirm that I did not owe them any money as my bill is automatically withdrawn and always on time. I have blocked dozens of different phone numbers of them attempting to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have asked for clarification with my contracts APR because my contract is not clear. On page one of the contract, it states that the APR is calculated on a yearly rate, but on page 3 of the contract it states that " We figure the Finance Charge on a daily basis at the annual percentage rate on the unpaid part of the amount finance. If this is so, this is contradictory, and or unclear, and would violate TILA, as it is not clear and concise.

I have consistently asked for clarification on the calculation, as a simple email, or letter showing the calculation would suffice. The neglect of the provision on the calculation is part of a predatory practice, as the 28 percent was as well. As stated before, I was not well informed in my decision, and was supposed to be extended with information on my right to rescission, and was not.

ACA has also stated that a customer transaction history can serve as a notarized account ledger, but they do not provide proof that is being sought. Beyond that, as ACA has noted, at the time of my original complaint, they were indeed the 3rd party. A third party I never signed a contract with.

In my understanding of my installment contract, I was in agreement with XXXX XXXX, and I was under the belief that assigning the interest meant that a finance company would be handling the money, not that my car would be sold to American Credit Acceptance. This is why I continued to ask for my original creditor, or seller for communication and clarity on how the finance charge was calculated- to no avail as ACA refused to answer the sought after questions- 1 ) How to contact AutoNation as the information I had was incorrect. 2 ) Proof of Purchase through provision of the account ledger.

American Credit Acceptance has also failed to respond to my request for arbitration and has instead notified me that they no longer own the account. I was only notified after they did an investigation. I was only notified because of my request for arbitration. According to the final paragraph in my RISC, I have a right to arbitration and feel as if they have continuously violated my right with not providing what I have rightfully asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with XXXX.I wanted to buy XXXX dollars of XXXX stock.. they withdrew the XXXX from my account on XX/XX/2021 and I have not be able to access my account for three weeks. I called and email over 20 times and neve got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
M soon to be ex-wife left me a couple of months ago. Just recently I started getting debt collection notices in the mail. She had apparently been taking credit cards and loans in my name for the last couple of years. She fraudulently has me in debt for over {$30000.00}. I have had to freeze my credit and dispute the items showing up on my credit report. I tried filing an identity theft report with the local police department, but since we are still legally married they wouldn't let me fill out a report. The local prosecuting attorney 's office did the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My husband and I are being harassed by this company by phone calls to our phone, our jobs and certified mail. The loan is being handled by a debt settlement company. We are being told 2-3 times a  week that someone from this company is calling. My personnel manager stated they have also threatened to garnishment my check. I understand that they can contact us through phone calls and letters but not calling my job. I am unable to receive personal phone calls at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: EQUIFAX, 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 is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United revenue corporation, has failed to provide all proper documents to validate and verify the alleged debts. Which is a clear violation of my rights according to 15 U.S.C 1692g validation of debts. I am disputing three accounts. Account number XXXX, XXXX. In my dispute I requested the following 1. The name and address of the original creditor 2. The original date of default or nonpayment of the debt with the original creditor 3. The date the debt was transferred from the original creditor to the third-party debt collector 4. The original balance 5. The current balance 6. Any fees added by your agency ( Sec.392.303 ( a ) ( 2 ) 7. Surety bond information as required by TEXAS FINANCE CODE Sec.392.101 8. *A copy of the signed contract binding both parties* 9. Verification of signed invoice 10. Payment History 11. Validation of debt that is actual accounting 12. Pay off Disclosure 13. Interest Rate Disclosure 14. Balance History and all other documentation used to validate and verify this account. 
Also United revenue failed to provide " safe harbor ''. In any of these communication letters does, nor do they explain the process and steps I can take to dispute the debt or any information in regards to my rights as a consumer to dispute the alleged debt with the CFPB or FTC. I feel like my identity has been stolen by united revenue corporation and they are trying to scam me into paying alleged debts that are not mine. There actions have caused me and my family severe mental anguish, defamation of character. It has also severely harmed and ruined my chances of obtaining credit for personal, home, and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I NEED HELP TO RESOLVE THIS PROBLEM I HAVE FRAUD PROBLEMS WITH MY DOCUMENTS AND I DON'T KNOW WHO DID THIS I NEED FOR THAT COMPANY TO DELETE THAT FROM MY CREDIT REPORT. 

ONE COLLECTION, AND TWO ACCOUNTS MADE VIA FRAUD. 

EXPERIAN : 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