BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Ideal Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Good Day, Collection Agency : IDEAL COLLECTION SERVICES Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2020 Original Amount Owed {$3300.00} Amount {$3300.00} Status Date XX/XX/2020 Status UNPAID I have a problem with the company described below, I lived in apartment XXXX XXXX XXXX CT XXXX XXXX, and due to COVID19 reasons, I had to leave on XX/XX/XXXX, I made the delivery of the apartment in good condition, and the administrator of the condominium, he told me there was no problem, that if something happened they would let me know by mail and took my new address. 

months later I received a message from equifax indicating that I had a negative report ( high impact ), I checked the data and they sent a letter to the address where I lived before XXXX XXXX XXXX CT XXXX XXXX, on XX/XX/XXXX ( in that date I was not living there ), and for that reason they reported me. 

I never received a call, an email, a text message, or an email. They never contacted me. 

Today I contact the company IDEAL COLLECTION SERVICES, they are very rude and they did not answer my calls again, I check their history of qualifications online, and they have 1.7, there they indicate that they are a terrible company. 

I am afraid of a theft, or permanent damage to my credit. 

I need your help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The written response you emailed is clearly double and your trying to collect more then original amount.thats not what was signed on original contract. It has become a hardship for me because i cant get anything approved even apartments. your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-06-01
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:
XXXX   is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Payed everything in a timely manner until the variable loan went double the amount. 
I tried numerous times to work a program with Ocwen and they refused and now they want to foreclosed on my home with the trustee XXXX XXXX XXXX scheduled for XX/XX/2015. Till this date Ocwen has not attempted to work out a program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle bankruptcy department is not sending in the amendment payments to the XXXX XXXX bankruptcy courts. I spoke to XXXX 's who is in charge of my case she said get in Nothing has happed. XX/XX/XXXX I received a letter from the cfpd that XXXX  sent to you that state the bankruptcy is no longer needed. I spoke to XXXX in lossmitigation hud did a check for the XXXX. I was approved for a parcel loan modification. On XX/XX/XXXX I spoke to XXXX 's with bankruptcy that when I was to she would get admitted bankruptcy paper work in. I have attached proof of phone calls dates and time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX report to Experian that I was late for my XXXX payment. I wasnt given any chance to make the payment due to statement error from XXXX. The XXXX statement and XXXX statement have payment due XXXX. Ii couldnt made no payment on line.I should no be blame for them mistake.

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 2022-09-17
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 instruction.

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 2020-11-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company was told that I am presently unemployed and unable to, but wanting to when I can, pay debt owed, which actually is pretty low overall. But they robocall me from XXXX to XXXX every single day of the week 5-12 times per day, despite having told them to stop calling me after it was in excess like that. Sometimes they've even been known to call 2-4 times in a row, from 1~4 different numbers. That's the other factor is they call from hundreds of different phone numbers as well, so blocking them on my end requires a lot of effort to stop their abusive harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I open a new bank account with Bank of America, on XX/XX/2019, at that point in time I deposited my check from my employer that is issued by XXXX. The funds were on hold for 7 days, it caused a lot of moneraty issues. I am currently undergoing a separation and I have no other income than my job. I had no money for a week. On XX/XX/19 the funds were released. I had to borrow money from my parents and sister to survive that week. I still owe them money. I got paid again on XX/XX/19, I proceed to deposit my check and went about my life. Then I realize that Bank of America put another hold on my account for 6 days, my funds wont be available until XX/XX/19 meanwhile I do not have money for Diapers for my baby, money for food, I have bills that are urgently past due. I called BOA to get them to release the funds and they told me to avoid this problem in the future to cash the check, but that they could do nothing. I spoke to two other people a manager and supervisor and they told me that they could not nothing. The supervisor stated that I should have just cashed the check as well that the hold was not going to be taken off, and said that I could ask for funds and overdraft the account, I told them that if I did this BOA was just going to charge me fees to this the supervisor just said that they would but that I could get money this way. I was then transferred to a manager who stated that they could do nothing and that I just borrow money from family and that they could do nothing. I told her that if I went and cashed the check and got my money how long would it take BOA to get their money then? She could not respond to this question. All she said was that my check would have not been cashed and that I was just going to have to wait. I am writing this because I literally have no money, for a week with XXXX young kids that depend on me and I have no funds. I think its unfair that BOA is holding my check issued from XXXX who is the payroll company for the small law firm I work for. A check that was issued last time as well from XXXX  the first time I deposited. I cant borrow money from family because I owe them so much money already. Then you have people that work for the bank pretty much giving you contradicting information saying to cash a check then saying I would have never been given any money. Please look into these practices. I might be a small fish, but if they are doing this to me how many more customers are, they not XXXX  over

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 2020-11-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Failed to complete employment verification in almost three months since I started loan application process. For two months we went back and forth about verifying and even though I told them several times they were contacting the wrong employer for verification they continued to make the mistake. I withdrew my application from the sheer amount of stress it was to deal with this company. They acted like my job and income was fake, not satisfied with loads of documents I sent them. Every time I talk to one person they want me to contact different department. Total lack of communication on their end. I am still struggling to get my good faith deposit returned to me. NOTHING ''quick '' about this quicken loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on XX/XX/XXXX with a Float option. The loan officer accidentally had me sign a Lock option. She told me that one will be discarded. I asked to exercise my Float option, but the told me it was already locked. I provided a copy of the Float document I had signed. They told me it was locked. They changed the 'signed on ' date of the original accidentally submitted lock document to make it look like I had submitted the lock agreement three days after the Float. They have not responded to my numerous requests to address this. Then today I fing they changed my home insurance to show they are the third party interest on XX/XX/XXXX. I have not signed closing documents yet. They have not yet set an appointment to sign. I request they accept my request to cancel the loan and to refund the money I prepaid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple phone calls every day, even weekends from a recorded message from credit acceptance corporation. I have no debt with them and my credit score is high. I have learned not to try and talk to debt collectors and wait until they mail something so I can dispute it. 

It seems from my research that this company does car loans but mine is paid off. Every call leaves the same recorded message. I estimate 3 to 4 calls a day from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.creditacceptance.com

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 2022-03-16
Company: Experian Information Solutions Inc.
State: MO
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:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization

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 2016-02-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Comenity Bank offers the XXXX XXXX credit card. When in store, the sales associate stated that there is an 18-month interest free promotion. This is what prompted me to sign up. No paperwork was given to me and there was no record of me having " chosen '' this promotion because I was never informed that there was a choice. 
Over two months, I have been charged interest. When I called several times, ( assuming on recorded lines ) I received the following conflicting information from customer care representatives : ( a ) promotion is either 10 % rewards OR 18 months no interest ( b ) promotion should be BOTH 10 % rewards AND 18 months no interest ( c ) you are not eligible for the promotion. 
I wish to pay my account in full - less the interest charged - and close the account.

Company response to consumer: Closed with explanation