BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
A company furnishing date to Experian, did not comply with validation request. I provided what XXXX provided to me, which was just an itemized bill of a debt they were assigned that they are charging interest on. The company is not a licensed debt collector in Michigan, they provided no documentation that the debt was legally assigned to them, and provided no documentation that I signed anything allowing interest to be added or collection assigned.

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 2015-04-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX .Date of Birth XXXX/XXXX/1956 On my credit report you have my son 's name and SS # included on my report!!! There are bill 's from XXXX XXXX and other XXXX bill 's that I have NOTHING to do with!! I have NO collection XXXX contacting ME for any reason!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Atlanticus Services Corporation
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. 

I 've made several calls to take possession of the title to management with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I hired XXXX to assitmen in having negative and old information taken off of my credit report. Experian has been sent several request to remove several items and challenges to what they where reporting and they have not responded. these request have been sent to them more than 45 days ago and they continue to report false and inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Date XX/XX/XXXX CompanyXX/XX/XXXXXXXX BANK XXXX XXXX Date XXXX XXXX, XXXX CompanyXX/XX/WYNDHAMVACADate XXXX XXXX, XXXX CompanyXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX CompanyXX/XX/XXXX, XXXX AddressXX/XX/XXXXBANK XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : 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 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is way too many inconsistencies and misleading information with Bank of America. 
XXXX XXXX a merchant charged me {$360.00} to my account after I canceled within the trial date timeframe. ( I have proof of conversations to cancel within the same day ) I called Bank of America and filed a claim in which they said it will be 45 days. After 45 days, I called back and was then told it will be 90 days. 
90 days later and still no credit back to my account or even a temporary credit. However when I called today, I was told that the merchant has 2 opportunities to respond. 

.

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 2016-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.

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 2022-06-02
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g ( b ) I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. Goldman Sach Bank has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - 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 2020-12-30
Company: Experian Information Solutions Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
I have a very serious complaint that has had me frustrated for over a month now I sent in my letters to the credit bureaus on XX/XX/2020 and to this date on XX/XX/2020 I have not received an investigation comment or results from items I listed as misleading and unverifiable this has caused me stressed I feel ignored of my issues and hope that we can get this resolved quickly. This is a violation not to even respond and its been over 60 days now. I hope that we can settle this matter quickly. Thank you

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 2022-06-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue has been ongoing and still no resolution. 

Mr. Cooper continues to show an amount as pre-petition arrearage when it was dismissed and filed by the courts. I have provided documentation of the court ruling and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I operate an XXXX called XXXX XXXX XXXX, a levy from the State was submitted to US Bank from the State of California. The Levy was not placed on the XXXX but one of its members. The Levy was for a matter with one of the members of the XXXX nothing to do with the XXXX. 
The bank levied the XXXX account erroneously. There is no mention of the XXXX on the Levy. US Bank Stated that because it was from the State it had to be correct and they have to follow the States request. No matter what proof I showed them of their wrong doing, the State was right.

Also the Levy was served for the XXXX and the US Bank took funds made available on 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 explanation
Consumer complaint received 2015-12-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing , LLC took over our mortgage, and life has been a nightmare ever since. Every few months, Ocwen raises our monthly fee. We do the best we can, working as many hours as we can, to pay the ever-increasing mortgage rate. One month, our bank ( XXXX -- another corrupt institution ) bounced our online payment after re-organizing payments, which XXXX does all the time, and which makes it impossible to know how much money you have. Since then, we have been a couple of weeks behind on Ocwen, considering that our mortgage is now more than {$1000.00} higher than it was a couple of years ago. In good faith, we have struggled to pay this rate, doing the best we can to stay current, despite having NO money left over to feed our kids sometimes, put gas in the car, or pay the electric bill ( all of that good stuff ). Despite repeated mailings and faxes to Ocwen, their Research Dept just doubles down, arguing that the rate is correct ( and then raises it more!! ). Either this is an evil conspiracy to steal the homes of hardworking Americans, or Ocwen is so inept that one department can not communicate with another. We expect it 's a bit of both. DO NOT do business with Ocwen ; we want to run away from Ocwen, but Ocwen has RUINED our credit and made our lives impossible. We have written to the Ocwen CEOs ; we will go public to the highest levels, if necessary, to expose these shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the 605b, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. Transunion conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) -2 and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.

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 2022-11-05
Company: Bread Financial 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 information incorrect

Complaint:
In XX/XX/2022, I opened an account with XXXX XXXX COMENITY BANK to pay off a Engagement ring monthly. My credit shot down XXXX points. I owed {$1000.00} to begin with and now only owe {$460.00}. I have made on time payments every month, paying more than I owed every month. My credit score is not reflecting this since they are not reporting to the credit bureau. 

I need my credit score to reflect my on time payments to comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification from the credit monitoring website XXXX XXXX regarding a derogatory remark added to two credit reporting agencies ( XXXX ) XXXX These derogatory remarks alleged that I had incurred medical/health services debt of {$130.00} in some medical office in XXXX, Texas, since XX/XX/2021. I am confident that I do not owe such debt as I have never visited or received medical care services from any healthcare provider in that area. The collection company Credit Management , LP, by stealing my Personal Identification Information ( PII ), used false, deceptive, and misleading representation in connection with the collection of this illegal debt collection, which affected my credit ratings. 
This company never disclosed any written communication regarding that supposed debt and unfairly and unconscionably attempted to collect a debt I had never incurred. This company intentionally affected me personally by damaging my credit ratings. 
I immediately took action by directly disputing the alleged debt and requested from them all the information needed to clarify this illegality committed by this collection company. The company, in a letter, supposedly discontinues the collection of this illegal debt but identifies the file number, an account identifier, and current balances that can be interpreted as these were assigned in my name. 
According to extensive research, this company has continuously conducted itself unfairly and deceptively against other consumers and me. 

I will greatly appreciate your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Utah System of Higher Education
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

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