BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: VA
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:
When we heard that Equifax was hacked into we were told to go online and request protection. I did that. Now Equifax has gone into my account and it 's a hard inquiry. If I had known this would be a hard inquiry, because hard inquiry brings your score down, I would have never allowed them to enter my credit report. I think it 's unfair and consumers should have been told that what this means is that there will be a hard inquiry into to your accounts. I would have not allowed this to happen. By not stating communicating what this would do is misinforming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I've been a victim of identity theft in the past. Time past and I start seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contacted each of the bureaus. its been over 60 days and they have yet to correct this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PENN CREDIT CORP at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$630.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Premier Student Loan Center
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company was called Premier Student Loan Center. Website : XXXX XXXX XXXX  Account ManageXXXX XXXX XXXX XXXX XXXX XXXX was told that if I paid {$230.00} for 5 months towards my student loans then my payments would be lowered to {$10.00} a month for 7 years and that my half of my loan would be forgiven. However, I received an email that said my actual loan payment would be {$0.00}. I decided to look into it and it was at that point the account manager told me that it was a service fee for the company. Then my wife looked up the company and saw on some student loan forms that this company scammed people into giving them money for a service that I could have done myself. We called up the account manager to cancel the service and she told us that the {$230.00} I had paid in XXXX XXXX and XXXX XXXX could not be reimbursed. It was then I was told it was a service fee and not paying towards my loan. When my wife asked her if this was a scam she ( account manager ) said " Yeah ''. We have cancelled this service on the phone and through an email and asked for an invoice for the two {$230.00} " service fee '' but have yet to receive anything. We are cancelling the credit card that was given to this company. DO NOT USE Premier Student Loan Center. They are misleading and scamming money out of people!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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 have over 24 inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
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 XXXXXXXX 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 2019-07-20
Company: Synovus Bank
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and 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 2022-08-05
Company: EQUIFAX, INC.
State: NY
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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are having a very difficult time with Bank of America. We have been trying for over a month to get a simple resolution to a 12 year old discharged 2nd lien. We have placed over 4 request for a for either a lien release or a point of contact to resolve the debt through an active short sale. Every time we call in we get the same problem. The rep tells us the lien release was declined, but can never help us after that. We get transferred to somebody else who has no idea what we're talking about, or they just disconnect on us, aka hang up. This lien is so old, BoA originally told us they sold it to XXXXXXXX. When we contacted XXXX  they told us they have no record of it. We asked 3 times to make sure. BofA finally found the lien in the Purge Lien Dept. It is in this department because it is so OLD. This is originally a Countrywide 2nd lien, that was part of the principle reduction that came out of the California District Attorney lawsuit. The lien was discharge and forgotten about by XXXX XXXX, and BofA, but never released on title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw these account in my credit report and I am really bothered what is going on. Why does this account appear and it has a lot of missing information. Please help me get them out of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities. 
In XXXX I moved from XXXX  to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment. 
Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled. 
On XXXX, I received an alert from XXXX  about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company. 
In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that. 
Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX  accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake. 
On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX. 
XXXX  has never provided a feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had set up recurring payment on their website twice for the credit card payment, the first time didn't work, and I called and pay the late payment, second time I set it up, this time to be sure, I wrote down a confirmation ( # XXXX ). but two months later, my credit report shown up a 60 days late on the account and had greatly impacted my score ( down 60-80 ). I called the credit card company and the representative had put an note on the account and told me the only way to get that out on my credit report is to file a complaint, and she had put notes on the account to help with the process.

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 2017-10-20
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: Convergent Resources, 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:
Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.

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 2017-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After applying for a XXXX XXXX credit card, all monthly payments have been made timely with the exception of one month 's payment. The most previous balance on my card increased by more than {$52.00} because of an interest fee, causing an issue with the payoff of the credit card. If the company continues to charge an exorbitant interest fees, I will never be able to pay off my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my home with PHH mortgage and it impossible to reach them either by phone or online. They never answer their phone I stay waiting up to one hour and a half. The menu in the phone is not true, they never transfer you to a live person. 
I been trying to register to see my statements and the system don't let you. I wrote to them about not receiving my statement an they never answer. 
They force you to pass the due date and the only way to pay is to this application they have called doxo or used a pay system I been paying XXXX dollars since. And now in my new bill I own them XXXX dollars for late payment, its a mess. 
PHH Mortgage Corp. has agreed to pay {$45.00} XXXX to resolve claims that it improperly serviced thousands of single-family residential mortgages. You can see in the internet all kind of complaints like this one : The PHH Mortgage lawsuit was brought by the attorneys general of 49 states and the District of Columbia over allegations that the New Jersey-based mortgage servicer violated the federal Consumer Financial Protection Act and the consumer protection laws of several states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX first Transunion reported a late payment from XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 A. States I have a right to privacy.

15 usc 1681 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. 1666-1666j This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

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 2017-10-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I order merchandise that was sent to the wrong address. I filled a dispute with Kohls in XXXX informing them that items was sent to the wrong mailing address. Per Kohl a dispute was entered and refund would be posted to my account with in 7 days of dispute. On XX/XX/XXXX I followed up with dispute and was informed no ticket was open in regards for this matter. Then on XX/XX/XXXX i was also reinformed that a dispute would be entered and an incident reports was completed to reflect incident and i was again informed that a refund would be reflected on my account for items that was never received. The refund was never issues and I contacted KOHLs again on XX/XX/XXXX, after being contact by KOHLS to collect funding for these charges, in regards to this matter and was then informed a letter was going to be sent to my mailing address to reflect the conversation and that a credit would be posted onto my account. A credit was never refunded and the account continued to accrue charges and late fees until the account was closed off and listed as a charge off on my credit report. I have reached out to them once again to resolve this matter and was informed that the credit was going to be applied to my account and that the late fees and charge off would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: CarMax, Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle loan for a XXXX XXXX XXXX to CarMax Auto Finance, in full, on XX/XX/XXXX in the amount of {$11000.00}. After recently moving to another state and needing to register my car in the new location, I discovered CarMax still has themselves listed as a lienholder and will not release the title despite providing them a bank statement proving the loan was paid, per CarMax 's own instructions. 
I have called the Auto Finance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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 Account Names : 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 an 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 2022-01-11
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Riverwalk Financial Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a car back in 2012 from XXXX. It always had issues. The first day they had to replace the oil pan. I was paying the payments on time for 2 years then the third year they said I should have been paid off I moved out of state and the car got totalled. My insurance didnt pay for it. They repoed it due to me loosing my job in kentucky and i tried to get them to extend my payments so i can pay it off come income tax time and pay it off. They refused and sent it to my credit. Its been on my report for a while. Im willing to pay on it if the payments were low but i feel im not intitalled to all the fees they put on me.

Company response to consumer: Closed with explanation