BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today XX/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 2020-05-19
Company: High Performance Capital
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I finance my car with High Performance Capital and I noticed in 8 months of on time payments my amount paid off so far is XXXX $ Instead of XXXX $ I looked up reviews with further research to find that the company has endless complaints about finessing their customers, charging unexplainable fees etc. I try to reach them to do either payments over the phone or to see my balance but they never answer. The company seems to scam their customers and further investigation should be considered

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi says I made payments on my account and they claim falsely I called and okay 'd the amount when I did not and they are lying and saying I owe things and that I did charges. I did not at XXXX etc. They are saying things that are a lie and they were told what was legitimate or not and they refuse to listen. They fail to care and could are less they were told about things from stores I never purchased and the card was lost and it was reported multiples times and they failed to ignore it and keep lying.They also still are harassing me and saying things that they know are lies and trying to threaten me into making payments on things that are not mine. I am tired of this they are a scam bank who does not care about their customers. I really want justice done on them if this is not resolved properly.I called into the fraud that it was lost and they fail to care and that I authorized it. I never got calls to authorize charges etc. So that is also a lie they must have called the wrong number and lied. I am not stupid I know when it is a lie. This involves my XXXX card and XXXX XXXX XXXX mastercard. So much for zero liability about fraud protection.

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 2022-01-05
Company: V and H Portfolio
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In reference to Complaint XXXX the response by TransUnion was not complete and the credit reporting agency is still breaking the Consumer Credit laws. My Method of Verification request sent on XX/XX/2018 has been ignored repeatedly. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business or third party vendor name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

TransUnion has yet to provide the information above as required by FCRA 611 TransUnion needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 

This is a very simple request and one that will reveal that TransUnion is violated FCRA and Privacy Laws. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2020-10-29
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE FCRA covers fraud being portected against display negatively there is predatory lending going on XXXX has already been figned for doing the same thing/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: GATEWAY FIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am being notified every month even when forbearance was issued and my statement explains how many days late I am as well as Im being charge a late fee every month I dont pay. Now my statement tells me Im currently in loss mitigation and soon will be in foreclosure. Im still being charged late fees every month. Every time I call they note my concerns I n their system and then state that they are unable to reach me when I give them my email my cell and any other way I can be contacted. My statements show I paid them also show the year 2020 being charge late fees every month. Its an FHA loan and I want to refinance and they told me its against the rules to do so when on forbearance and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Old information reappears or never goes away

Complaint:
I do not possess this vehicle. this company still reporting this account each month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.

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 2020-10-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgement.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
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 {$680.00} XXXX XXXX XXXX {$400.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 explanation
Consumer complaint received 2020-10-29
Company: Account Control Technology, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been contacting Account Control Technology since XX/XX/2020 at phone # XXXX about selling the debt for my student loans. My employer was contacted directly via mail for 15 % wage garnishment but I was never contacted. Every time I have called, I get differing amounts of what my student loan amount is. I finally settled the debt on XX/XX/2020 and spoke with XXXX. She has not processed my payment and would not give me a confirmation for my payment. My job has now sent my wages on XX/XX/2020 and I feel I will be frauded as they have my payment and are now receiving more of my wages on an account i I have settled. They have not contacted my employer to stop the wage garnishment and will not call me back or forward me any information in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Account status incorrect

Complaint:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, TransUnion, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.

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 2019-03-07
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the third collection company that is saying that I owe XXXX {$2500.00}. I left XXXX several years ago with a XXXX balance ; and transferred all of my numbers to a new phone company. 
Everyone knows that you can't transfer your numbers to a new phone company unless you have a XXXX   balance. 

I called XXXX about the situation and they said that they have no information about this so called debt.

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My husband and I purchased a XXXX XXXX XXXX on XXXX XXXX,2015. After a closer review of our documents we have determined that we was charged for Vehicle Service Contract. We have a copy of the contract with our loan documents but we did not sign this contract and it was added in with our loan with Well Fargo Dealer Services. The total amount added to our contract was {$3300.00}. We never agreed to this service, and feel like the loan company was deceitful in adding it to our loan.

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 2018-02-28
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX from Kinum Incorporated has been repeatedly calling me at work and announcing herself to reception and then to my boss as debt collector in an attempt to shame me. I called her back today and told her I would be able to pay the debt in two weeks but not today and she was abusive and hostile ending the call by screaming " sure you will lady! '' and then hanging up. My husband called back to speak to XXXX XXXX but she refused to speak to him to resolve the situation. I am humiliated and will not tolerate this harrasment. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector failed to provide information to verify debt when asked for validation of the debt. The original letter received from the debt collector did not inform me of my right to request validation of the debt within 30 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mailed the Repossession Deficiency Letter to Experian & XXXX   XXXX  NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ).

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE REMOVED THIS ACCOUNT ON MY EXPERIAN REPORT I WILL BE FORCED TO PRESS CHARGES.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: WA
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 have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2020-05-15
Company: EQUIFAX, INC.
State: WA
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 have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2020-10-29
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I received a debt collection letter for {$4500.00} from ARCADIA This debt was paid off during my XXXX  XXXX to XXXX and after my release.

Company response to consumer: Closed with explanation