BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called to get the inquiries that are not mine removed. I also sent certified letters in XX/XX/XXXX and have not received a response within the 30 day period. Equifax will not remove these unauthorized inquires and keep sending very general information on my request. I need these inquiries removed as they are hindering me from receiving credit for things I actually want to apply for. 
XXXX XXXX & XXXX XXXX, XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN 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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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 confidentially under 15 USC 1681. 

Dept of Ed/XXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX  Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Preferred Lease Account # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C section 602 A. States i have the right to privacy.

15 U.S.C section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 explanation
Consumer complaint received 2015-05-21
Company: Genesis Lending
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Stearns Ventures, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank Of America, has engaged in deceptive and unfair practices in connection with my checking account. BOA, has excessively charged the account overdraft fees causing me hardship. The account overdraft fees are so excessive that i could not pay my creditors due to boa excessive overdraft fees imposed to the account. 

On XX/XX/2017, I was overdrawn by {$1.00} and escalated to {$410.00} in overdraft fess alone. 
If you carefully review the statement, you will find that boa never paid any of this items, instead continue to charge the account overdraft fees since XX/XX/2017, when initially was overdrawn {$1.00}. None of the charges have to do with a check i wrote to anyone, all fees are related to the excessive overcharge. Creditors have been trying to collect and morally i have these funds available, however because the account has been over charge with excessive fees, the funds available to pay my utilities would be comprised by the excessive fees where soon my light company will be terminating my services. 

Boa, has violated Federal Law prohibiting the excessive overcharge fess to the account. I did made the account to be overdrawn in bad faith, the record reveals, that the dispute started over been over drawn {$1.00}. The account was overcharged to the point that did not have enough to pay the {$170.00} and the over charge fees. 

I disputed with boa that was going to file complaint with the CFPB, after that conversation, it appears that they may have lower some of the fees. However the account continues to be excessive overcharged with fees. Boa has cause me hardship and bad standing with my utilities companies. Some of the crediors have suspected my account due to boa overdraft fees. I was subscripted to on line services where the cost monthly are lest than {$10.00} and not even that was able to pay because of boa. These are websites that i use to work and are not able to have access. This situation affecting my wages.

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 2017-04-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. 
There was not money left in the account because they charged a inactivity fee. 
I was never notified of this and they could not produce any evidence that they tried to contact me.

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 2017-04-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Jeffcapsys shows a collection debt on my report for {$1200.00} dated XX/XX/2016. Unless proof can be shown and validated, this debt does not belong to me. I only use prepaid wireless phone services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: Essential Retrieval Group
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!

Company response to consumer: Untimely response
Consumer complaint received 2017-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolios Servicing and XXXX Bank as trustee for the holders of the XXXX Mortgage Trust XX/XX/XXXX are attempting to foreclose on my property located at XXXX.The assignment that is being used was created and robo signed after the cut off date of the trust ; according to the pooling and servicing agreement filed with the S.E.C all mortgages were to be conveyed by XX/XX/XXXX. The assignment was also created, and notarized in Florida when the property is located in XXXX. I submitted two Qualified Written Request to select portfolios and neither of these documents have been addressed. 
SELECT PORTFOLIO SERVICING 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 2017-01-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Midland Funding. They have a judgment against me. I asked them for information verifying what the judgment is for. They just run in circles, asking me if I am disputing the debt. I tell them I do not know whether to dispute it or not that I need more information. They say I can either accept the debt and get the amount owed or I can dispute it. I tell them I need something to show me the debt, what is was for etc. They only have the judgment and if they send me the judgment they ca n't send me the amount owed. If I ask for the amount owed, I guess I am saying that I owe the debt. They wont let me verify the debt with out disputing it. I do n't want to dispute something that may be valid. They just keep speaking in circles in XXXX. The CSR was hard to understand but was not helping me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Round Two Recovery
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: FL
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:
On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with 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 explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.

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 2016-01-22
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In general, I have been erroneously charged nearly {$500.00} in fees since year 2010 by the Branch Banking and Trust Company ( BB & T ) ( hereinafter " the bank '' ) I have reported this to them, and they have responded inadequately, and continue to deny to me in an unethically and likely illegal fashion reimbursement of these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Silvermine Ventures, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?

Company response to consumer: Untimely response
Consumer complaint received 2016-01-21
Company: Bronstein & Weiss Arbitration
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? 
but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-03
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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXXXXXX XXXX I work for XXXX. Explained this before

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 2016-08-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company Midland Funding bought the debt, which is 4 years old from first delinquency, according to my credit report, from XXXX. Both Midland Funding and the original creditor are reporting this on my credit report to all XXXX bureaus. Because of the double reporting and the fact that Midland Funding is reporting an amount higher than the original debt of {$130.00}, I disputed the Midland Funding account with the Bureaus. Midland Funding verified the account with the bureaus and would not delete it. Verification, according to the bureau, consists of verifying my name and social security number. Prior to finding them on my Credit Report last month, I had not had any communication with this collection agency whatsoever. I have not received any letter or phone, they just showed up on my credit report. After I disputed and Midland Funding " verified '' and continued to report to the bureau, they have now also added dispute remarks to my credit report and began sending me letters. Perhaps I finally received a letter from them introducing themselves and attempting to collect the debt after the dispute I filed with the bureau. I no longer dispute the account and contacted them to state this and have them remove the remarks from my report. I have yet to hear back about this. I also disputed through the Bureau again, asking that they remove the remarks " account disputed by consumer '' from my credit report, since that statement is no longer accurate. They refuse to remove the remarks, continue to report the account to all XXXX bureaus and have begun collection attempts and sending me letters AFTER my initial dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Pacific Financial Group (Closed)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: Comerica
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation