BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2017-01-10
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. 

I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.

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 2017-04-03
Company: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.

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 2015-11-11
Company: Federal Pacific Credit Company, LLC
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Merchants and Medical Credit Corporation, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. 
Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Continental Finance Company, LLC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.

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 2017-03-08
Company: Colony Brands, Inc.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-24
Company: ROC Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In reference to complaint # XXXX, Seterus quoted the following : " if Borrower is obligated to pay Escrow Items directly ... Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section XXXX and pay such amount and Borrower shall then be obligated under Section XXXX to repay to Lender any such amount. ". This is not valid in my case. Because, I am under monthly payment arrangement with the County of XXXX to pay my property taxes. Therefore, 'Borrower fails to pay the amount due for an Escrow Item ' does not apply in my case. XXXX mortgage probably recognized the mistake, and did not open a regular escrow account in which they will make the payment of property taxes as part of monthly regular mortgage payment. XXXX mortgage payment resulted in excess payment of property taxes and the County of XXXX returned the excess payment to me. Seterus also made the same mistake and failed to check either with me or with the County of XXXX whether there is any payment arrangement. Seterus ignorance of XXXX actions and their own failures to verify the status of property tax payment arrangements, they opened escrow account resulted in serious financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Wilson, Riley & Associates
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Originally I received call from Wilson, Rilley, and Associates stating charges were pending against me in XXXX XXXX county and unless debt resolved I would be served by sheriff at my place of work or home. I made payment arrangements however the amount due of debt kept changing and when I requested record of payments it was more than originally advised. I later received call advising since a payment was declined they would have their attorney reinstate original charges against me and add additional charge of declining a charge over state lines. Later I receivea another voice mail claiming they were from County service and I wld be served at work for charge against me within 48 hours unless I contacted the plantiff.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Recently my insurance company sent Wells Fargo a check towards the Pay Off of my vehicle. I called Wells Fargo and XXXX ( XXXX ) explained that because the Check was from an Insurance Company it does not " count '' as a Payment and my account is 40 days behind. Despite a Large payment from my Insurance Company and payments of XXXX from me. Additionally the Maturity Date of the Loan is XXXX 2017 and Wells Fargo is demanding the Total Balance of my account a Year Early. 

I asked XXXX ( operator XXXX ) to mail me a copy of this policy and she said that she could not because it was a confidential arrangement between My Insurance Company and Wells Fargo.

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 2023-02-06
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.

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 2017-03-31
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!

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 2017-04-04
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I called my Student Loan company Navient today because I wanted to ask about how to pay off my loan in full. I needed to also turn off my automatic payment which would come out of my bank on the XX/XX/XXXX to avoid over payment. I was told I would need to shut off my auto pay online only. I said I would send in the full amount for XXXX private loans adding up to over {$19000.00}. I was told I needed to sign in online. I just wanted address so my bank could send the payment correctly. 

I am on XXXX and have a lump sum settlement from my XXXX. Anyways when I checked online, it shows my federal loans paid off which is correct but my private loans are no where to be found. I have a XXXX balance with Navient. What my loans are being moved? No contact, not even told this on the phone. 

So how do I get the loans paid off, I do not want those automatic payments coming out of my account I notified them in time to stop them before the XX/XX/XXXX. I want to be done with this craziness. Ugh! Hate this company, horrible to work with, horrible customer service. Was never like this with XXXX. Can you help me find my loans? I am sure you will be better help they their are! I have another small XXXX with another company XXXX something or another for just over {$700.00}. I sure hope I can pay that off with out a hassle. I just want to pay it off so that my XXXX income can just go to meds, doctor bills, food, and XXXX rent. Imagine this I want to pay them completely off and they did not have the decency to tell on the phone they have been moved elsewhere? No go fight with their horrible website to then find out that you can not shut off the automatic payment. Guess I am calling the credit unit to stop the transfers. Horrible company. 

P.S. My father is retired XXXX, and a co-signer. He took me back in when I became too sick with XXXX 's XXXX. I just want to break free from these loans so that they do not impact his retirement or credit. It will give me piece of mind after I move into XXXX housing next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. Bankruptcy Court 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 to do so. 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 7 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 explanation
Consumer complaint received 2022-04-19
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumers energy debt amount of {$1500.00} in my name under the address of XXXX XXXX XXXX XXXX XXXX Mi. This has never been my place of residence and not sure how this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy -Reference Number 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Bankruptcy : Bankruptcy -Reference Number 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Global Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.

Company response to consumer: Untimely response