BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: RS Clark and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I'm not gon na pay this supposed debt RS Clark & Associates says I owe. I checked out my rights under the Fair Debt Collection Practices Act ( FDCPA ), and it says I can dispute any wrong stuff on my credit reports. I've got proof that RS Clark & Associates is doing some shady stuff using bad language ( which is a no-no under 15 U.S.C. 1692d ( 2 ) ) and lying to collect debts ( which is also a no-no under 15 U.S.C. 1692e ( 10 ) ).

I don't care about validations or verifications. In North Carolina, the time limit for this debt is three years, and that's already passed. My big problem is them putting false info on my credit report. They got ta get rid of this bad account and other negative stuff ASAP. 

If they don't fix it in the next 30 days, I'm gon na have to complain to the United States District Court for the XXXX XXXX of North Carolina. Just trying to sort this out without going that far, but they got ta act quick.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Normally my phone does a good job of detecting calls, and won't answer as spam. On some occasions, the phone will screen it ( XXXX XXXX ). 

On XX/XX/2020, at XXXX, I received a call. XXXX XXXX took the call screening. The person with the number XXXX, said they where " hi XXXX XXXX XXXX mother, '' so I took the call as I teach music lessons. Once I switched to the call, you can tell it was a call center, and I told them that they lied and impersonated someone to get me to take the call ; that I was hanging up and block the number. 

I have provided the audio of the call screen, and a screenshot of the written transcript.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights This is a defamation to my character

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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Today XX/XX/XXXX went online to dispute the incorrect personal information and it says This request can not be processed online

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: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS is attempting to collect a debt that I have repeatedly notified them that I do not owe. This has been disputed and documented several times however they refuse to remove these debts from my credit report. I have requested validation and method of validation as well as disputed with the credit bureas yet these inaccurate and fraudulent debts continue to report.

I have no knowledge of who ARS is or any debt owed to them nor has any PROOF been submitted to me. In addition upon research on their collection agency, I found out that they are not registered to collect any debts in the state of Texas yet they continue to fraudulently post these alleged debts on my credit report stating that it meets FCRA requirements. These alleged medical debts also violate HIPAA privacy rights The alleged debts are as follows : ACCOUNT # XXXX {$560.00} XXXX {$930.00} XXXX {$930.00} XXXX {$480.00} XXXX {$130.00} XXXX {$200.00}

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 2020-10-29
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I was an authorized user on a credit card account. as an employee I used the credit card in the nominal process of my employment. The card used exclusively for company business. 
The card holder was an LLC that is out of business. 
The lender has put derogatory credit information on my credit report. I made contact with the bank. It seems like no one understands the point I'm making. I revive a chorus of I'm sorry without any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2020-01-24
Company: Performant Financial Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am filing a complaint about my recent debt collection ( from Performant Recovery Inc. ). I owed a balance to the US Treasury Department in the year of 2018 of XXXX. Started making payments to the US Treasury but soon fell behind in payments. Falling behind in payments with Us Treasury sent my account to collections. I was aware that this would happen due to missing payments. The remaining balance on my account when I went into collections was XXXX dollars. 

Sending my account to collections, I was also aware that the collections agency would apply fees to the loan. As of today the balance is XXXX and it has growing interest daily. I dont understand how they added over 1600 dollars interest fees. This fee is doubled what I owed the US Treasury Department which was XXXX dollars from the beginning of the loan. 

I have called the collection agency for a settlement price but they are unwilling to work with me. I feel that is company is taking advantage of me and what we can settle on a price for. The 2,000 plus dollars is an outrageous fee. 

Also, I am attaching a letter they send me every few weeks ago. Looking forward to hearing from you. 

Thanks,

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 2021-11-10
Company: The CBE Group, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Reporting a collection agency that has been calling me repeatedly this week. I was called twice today ( XX/XX/XXXX ), twice XX/XX/XXXX, twice XX/XX/XXXX, and twice XX/XX/XXXX. I used to work for a collection agency so I know that goes against a few regulations. They have called from multiple numbers with the XXXX code, says it's coming from XXXX. The name of the agency is CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to get my yearly free report from Experian earlier this year and their site forced me to pay to get it. Now, they have been charging me XXXX per month for a monitoring service I am not even using. 

I tried fixing it online with no luck, and they do their best to make their phone system as complicated as possible. For all of the money that flows through their company, they should be able to fix their problems. Also, I can cancel my card, but then I have to change my auto deductions on all of my accounts. Experian, pay me back and stop fleecing the little guys.

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 monetary relief
Consumer complaint received 2022-06-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with inquiries I did not authorize

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 2018-12-13
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: 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 transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
State: SC
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:
In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When making a loan with a down payment of less than 20 %, an additional cost called the PMI was included and a charge of {$220.00} per month ( as additional insurance ) 4 years ago ( XXXX ) I made an investment of {$100000.00} in a new building on the property. Which considerably increased the value of it and 1- Two years ago ( XXXX ) I paid for a home appraisal to evaluate and eliminate the amount of {$220.00} from the PMI. 
I requested a list of certified home appraisal companies by the bank so that I could choose the company and they arbitrarily sent a home appraisal that I evaluated in favor of the bank and the number was below and they denied the request to reduce the {$220.00} A copy of the assessment, the calculations and a letter was requested because he had refused and they never sent it. 

2- Since XX/XX/XXXX I have called twice requesting the bank : A- overpayment reports in the escrow account B- Debt balance analysis with the assessment for the elimination of PMI {$220.00} always indicates that they are going to be sent to me and they never send it. 

Comment : The payments issued in the two years have already reached the estimated total of 80 % of the appraisal of 2 years ago. In addition, the property acquired value in those two years with a community of around more than 3000 new houses. I do not see that the bank has the intention to evaluate this request and looks for excuses not to eliminate this additional charge of {$220.00} If i am wrong just we need the paper to explain to me the calculation. the the bank have the responsability to show me that document from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from my credit card that there was a change in my credit and learned that Credence Resource Management had submitted a negative credit report. I have not spoken with anyone from this company, and when I looked at the credit report, it was the SAME negative credit entry from XX/XX/2023, therefore its a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
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: Personal information incorrect

Complaint:
On the week of XXXX the XXXX, I called Experian to correct wrong names and addresses that Ive never lived at. 

I was told that they will not remove the incorrect addresses or incorrect names.

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 2023-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Equifax, and XXXX are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, two alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ). 

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2. 

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that XXXX, Equifax, and XXXX have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several XXXX dollars for this breach. 

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage company miscalculated my escrow account for XXXX. That in turn increased my mortgage payment a great deal for this year. They tell me that it was because my escrow is calculated in XXXX and since my home owners insurance was not due untilXX/XX/. They told me RESPA does not allow for payments to be taken out if the payment is not due with in 12 months. I attempted to look up the RESPA laws.I did find that in section 1024.17 (c)(9) explains that if a bill is due more than 12 months away that the escrow payment should be calculated according to how many months away the payment is due. So Im my case the insurance should have been calculated for 14 months. I asked them to explain it to me but all they did was send the same letter that says payments can not be taken out for more than 12 months. I want the law that supports their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began my refinance with Freedom mortgage in early XX/XX/XXXX. All documents requested were provided to Freedom Mortgage by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I was not asked to provide an additional items and was informed the refinance with moving forward. I had been requesting status by email on the following dates : XX/XX/XXXX, XXXX & XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. A detailed or proper response has not been provided. 

During this period my wife had no choice but to purchase a new car and take out a loan. However, her income is not being used to process the refinance. I have provided the information regarding the loan but was told an initial credit check was needed. We began this in XXXX and I have not provided any information why the initial credit check was not completed. The other item is an initial title review. The title report was available in late XXXX. Therefore, the initial title review has been delayed over a month. 

We continue to pay a higher interest rate and are looking for new employment but this is delaying us making any moves to help better our lives.

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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX  XXXX BANK XXXX A Original creditor

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 2020-10-29
Company: R & B Corporation of Virginia
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:
Credit Control is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both frontier and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I was over 30 days late on my mortgage payment due to only now working XXXX XXXX XXXX due to the pandemic. I am now caught up to date with the payment. I have a 30 day late mark on my credit report which dropped my credit score 134 points. I tried to dispute this through the credit bureau and I also called the mortgage company and asked them to have it removed. I thought there was leniency during the pandemic. I would like this removed from my credit report. I have lived here for 15 years and have never been late nor missed a payment. I was waiting on my stimulus check to be deposited into my bank account before I could make the payment.

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 2019-01-27
Company: General Motors Financial Company, Inc.
State: LA
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:
On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX  credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.

Company response to consumer: Closed with non-monetary relief