BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: MI
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 Repprting 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, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a flex loan in 2017 and was unable to pay the loan back and I instructed the bank to stop payment Because there was no money in the account and Advance Financial kept trying to take money out when there was no money in the account and it was keeping me in the negative so I had the bank put a block on the charges and for two years it had been put on hold like I asked. Today out of the blue a charge is now pending for {$130.00}. I need to have this stopped again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. 

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. 

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. 

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by PORTFOLIO RECOVERY ASSOCIATES , LLC regarding a debt owed on a closed account. The company contacted my mother and husband regarding this matter in XX/XX/2022. I have repeatably asked this company to stop contacting me regarding this closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.

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 2017-11-16
Company: Capio Partners, LLC
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: Information belongs to someone else

Complaint:
Capio Partners XXXX XXXX XXXX XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my job due to the pandemic and entered forbearance with my Mortgage company Mr. Cooper ( backed by XXXX XXXX ) around XX/XX/2020. I'm concerned my mortgage company is creating loop holes to deny people on the 2 3-month forbearance extensions the White House Administration has instilled to protect people like me. 

I've been denied based on a technicality I feel they lured me into. In XXXX, I kept getting notifications from my mortgage company ( Mr. Cooper ) urging me to select a plan for when the forbearance ends. The only options presented were 1. Pay everything I owe in one lump sum ( can't ), 2. Sell the house or risk losing it, or 3. Request a modification. I chose the modification. 

Once the forbearance extension option was brought to my attention, I was told I can't apply for forbearance because I applied for modification. I cancelled the request for modification and applied for Forbearance. I'm being told the investor is saying no to my forbearance extension request because I'm pushing past delinquency of 12-months. 

*Important to note I applied for the modification BEFORE my forbearance expired. I recall actively reaching out to Mr. Cooper 2-weeks before my forbearance ended. The modification process was ongoing, I never received any approval notifications. Now that I've requested a forbearance extension, I'm told I'm being denied bc I'm " pushing past delinquency. '' Managers at Mr. Cooper are saying I'd be hitting a 15 month limit, meanwhile it is a maximum of 18-months allowed, and I'm only at month 12 or 13. 

Can the investors just reject or decline my extension request? Does their reasoning make sense to anyone? I've called Mr. Cooper many times, it's difficult to get clear information. What can I do to get on track to the forbearance extension? 

Before the pandemic, my mortgage was current and in good standing. It's currently almost a month past due because I was awaiting on results from the forbearance extension request. They kept telling me it's under review ( for several weeks ). 

What are my options? Are they creating and taking advantage of loopholes to deny my much needed request for forbearance extension? I am currently unemployed. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was being repaired, the parts were on back order for months and I was paying month to month on an extended lease. I decided to end the lease and turn the car in. I contacted XXXX XXXX at La XXXX XXXX and tell him of the situation, he told me he would get the car from the La XXXX body shop, so I took the insurance check to the body shop and talked with the manager and told him of the situation. He told me that GM doesnt want the car until it has been repaired and he would contact GM and the dealer that I was ending the lease, so I gave him the keys and walked away thinking it was taken care of. 
I received a call from GM financial in XXXX, asking about the XXXX XXXX that I turned in. I explained the whole situation to her, she said she would contact the body shop to clear it up. This happened in XXXX, XXXX and I think in XXXX, I asked the last caller if she can see the previous calls and she said she could, I then asked why this hasnt been taken care of? She told me she would. 
Fast forward to last week when I was purchasing a XXXX XXXX XXXX and couldnt get a loan below XXXX  % and was told by the finance manager that I have 4 flags on my credit rating from GM for non payment and most banks wouldnt touch my loan. Before this my credit number was XXXX or above. I called GM Financial and they told me it was my fault and that I should have contacted them, I explained to her about the body shop managers promise to contact them, after awhile she said they would open an investigation, also that I had to write a letter to them explaining everything and it could take 60 to 90 days to get an answer. I dont want to wait that long to fix something that should not have happened in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: Williams & Fudge, Inc
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made clearly marked Principal Payments in addition to my monthly payments. The principal payments were applied incorrectly. Now they sold the loan and did not give proper credit, and included the odd balance of money applied as a fee. 
Bank of America payment of {$440.00} XXXX of every month. XX/XX/2018 made a principal payment of {$400.00}. It was credited as short {$48.00} for XX/XX/XXXX payment. Also noted on XX/XX/2018 " Short  Pmt Advance- Interest '' and CHARGED me {$48.00} extra as interest. I called, they tried to correct this, then same thing happened with XX/XX/XXXX. Now they sold the mortgage to XXXX XXXX XXXX with no correction on the principal credits. They still calculated interest. And they also have extra money of mine and still transfered the loan with a " FEE DUE, {$48.00}. '' This is Bank of Americas XXXX up, and they need to give proper credit at the times payments were made, back out the interest, send a correction to XXXX XXXX  and me. 
-I was also locked out of my account and can not give a print out of XX/XX/XXXX to B.O.A., though I can produce proof of payments from my credit union.

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 2018-10-12
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX from Dynamic Recovery Solutions regarding a debt I had never heard of. When asked he said it was from XXXX XXXX? a company i do not know. I asked him how old this debt was and he said it was from XXXX, thus clearly barred. He said he was from XXXX, SC and his phone number was XXXX. He told me it was a valid debt and I had to pay it. He indicated he was working for some finance company who had obviously bought worthless debt and he was pursuing it. Beware!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Certegy Holdings, LLC
State: IN
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:
Upon pulling my XXXX  report, I noticed that Certegy has placed upon my credit file a Check that is reportedly unpaid to " XXXX ''. First and foremost, I have NOT written a check to XXXX ; I have not had XXXX services in quite some time, in fact. Moreover, and and all names and addresses that are being reported by Certegy are factually incorrect ; only my current address is valid and my current name is used.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX year old mother, name withheld, of which I am Power of Attorney, was called by a " foreign '' man named Mr. XXXX on XX/XX/XXXX or XXXX, 2020 saying she had won the XXXX XXXX XXXX XXXX   jackpot prize of XXXX dollars and a new XXXX car. He called from a XXXX number, XXXX, and told her not to tell anyone. He said she had to pay fees to collect the prize money and had her go to various sites, XXXX, XXXX and her bank to purchase {$500.00} VISA cards. Mom put over {$3000.00} on her XXXX credit card, and at Bank of America deposited {$4200.00} into this another BOA account # XXXX XXXX XXXX, routing number XXXX XXXX XXXX XXXX XXXX. He also wanted her to go to a XXXX XXXX XXXX and put the same amount into account # XXXX XXXX XXXX, routing # XXXX XXXX XXXX XXXX XXXX XXXX, which she did NOT. 
On the second day, Bank of America bank teller recognized her and told her branch manager who caught what was going on and determined not to sell her any more VISA cards and called the police. No  report was filed by Bank of America nor the XXXX Police Dept which is required in order to file a claim against the bank or XXXX. I have tried unsuccessfully to get BANK to go " down the rabbit hole '' to chase down the receiving 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 2023-03-23
Company: Experian Information Solutions Inc.
State: KY
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:
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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, 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 2019-01-11
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have received my first notice about the debt collection. I responded to the letter by making a {$300.00} payment immediately. I followed with another payment of {$200.00}. Then another payment of {$200.00}. I was left with a {$500.00} balance out of {$1100.00}. When I received a notice for it, I immediately paid {$250.00} over the website. And for the remaining balance, I called the collection agency to pay over the phone. I was never notified may account was reported and when I found out I requested my report to be removed and deleted from my credit report because it damaged my credit tremendously by a negative of 100 FICO score. I was told they do not report to the credit bureaus, it is on a regular schedule. I asked do you guys report start or end of the month? I was not given a definite answer. After payment my balance I did not feel reassured my collections account would be deleted on my credit report. Now here I am with a paid off balance. The collection account was reported on XX/XX/XXXX, instead of XX/XX/XXXX when it was originatelly dated. I want this account removed from my credit report. If they are unsuccessful, I will dispute a fraud chargeback with my bank account immediately, which was used to pay for the 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