BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
I am not satisfied with the response to my previous complaint on XX/XX/22. Violations include TILA 1601 and FCRA. ***See attached document***

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 2022-07-13
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

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 2022-10-04
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was an unauthorized transaction on my account by a bank in XXXX called XXXX XXXX for {$800.00} on XXXX and another on XXXX for {$100.00}. I submitted all the proof that was needed to show that I didnt not authorize this and they have been just giving me such a hard time about getting me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-03-23
Company: Rent Recovery Solutions
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My lease with The XXXX apartments was terminated in bankruptcy including the debt. The XXXX Apartments was sold to XXXX XXXX Apartments. The debt was then transferred to Rent Recovery Debt collections and placed on my credit report. I 've disputed the debt with XXXX And XXXX but with no luck. The dispute was opened a little over 2 months ago with no reply from XXXX. And XXXX simply adding a comment on the account that the collector could not locate me. Since the original debt was discharged I dont think they should be allowed to report it on my credit report and I 'd like to have it removed. XXXX also changes my entire report on a monthly basis changing my name from XXXX XXXX XXXX to XXXX XXXX and with each change a dozen accounts disappear then reappear a month later when they change the name again. This drastically changes my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company increased my monthly payments by more than double by adding an escrow without my consent. When I reached out to them by mail on XXXX XX/XX/XXXX as to how such a mistake could have happened, they sent me a letter dated XXXX XXXX that says that they do not see a mistake an explained that they had paid a property tax bill on my behalf, again without my consent or knowledge. That letter also says that the payments I have made, which include the XXXX XXXX XXXX I have been paying since the inception of this loan in XXXX, but not the escrow add-on, are being held in " suspense, '' which I take to mean they are accepting the payments but just holding the money instead of applying it to my loan balance. The same day ( XXXX XXXX ) I received this letter, I also received another letter from them dated XXXX XXXX that threatens me with foreclosure unless I pay them a large sum of money XXXX days from that XX/XX/XXXX date. If they do not receive that payment by XXXX XXXX ( which at this point is basically impossible even if I thought it was a valid thing to do ), the letter says they " may '' commence foreclosure. 

In response to their XXXX XXXX letter, I also sent them another letter on XXXX XXXX disputing their determination that there was not an error in increasing my payments. I explained to them that the tax payments they say they made on my behalf were not correct, and provided them with documentation showing that I paid my property taxes in full and on time during the interval in question. ( This documentation was also provided to the tax collector on XXXX XXXX. ) I have not received a response to this letter yet. 

I also sent the loan servicing company another letter on XXXX XXXX to reiterate that i am disputing the amount they say I owe and asking for the contact information of the actual mortgage holder. I sent this additional letter because there seem to be XXXX XXXX  XXXX boxes involved and I wanted to be sure that both parts of this company understand that I am disputing their claims.

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 2016-09-27
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my credit card account. I first contacted my financial institution, Discover, about the issue on XXXX/XXXX/16. After being transferred numerous times XXXX in the investigations department told us that he opened the claim and that I would receive the credit of the fraudulent amount to my card within three business days. The credit did not show up to my account as promised and on XXXX/XXXX/16 I contacted Discover and explained the conversation and asked if I needed to take additional steps, XXXX in the fraud department could not see that a claim was ever opened. She contacted a supervisor and then told me that she could n't do anything, then attempted to transfer me to someone who could, but hung up on me instead. On XXXX/XXXX/16 I contacted Discover in another attempt to take care of the issue and was told that I needed to fax in the statement because she could n't find it. When I was easily able to pull up that statement on my online account I called back to customer service. XXXX was very helpful, found the charge and then explained to a fraud specialist how to find it. After she transferred me to a specialist, XXXX at XXXX EST, even though he could see the statement he became very rude and told me I needed to fax it to him anyway, even though he admitted to having it right there in front of him. I faxed the statement as requested, and then called back on the XXXX as I was told by the representatives, to have the claim opened. XXXX in the Charge verification department seemed to try very hard to get the issue resolved. He told me that we should never have been asked to fax the statment and was even able to get ahold of XXXX who remembered me and helped him to find the statement. Once he had the statment he asked me a number of questions about the charge, and from there, he attempted to open the claim. He said his system was n't allowing it, but he kept trying and told me " even though I 'm having trouble, if there is fraud on the account we HAVE to open the claim. '' He put me on holds while talking to multiple departments and supervisors that totaled to an hour and a half of my time. Then he came back and told me that he is sorry there is nothing he can do about it and that I should try contacting government agencies about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2015-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXXt account # XXXX XXXX  Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is reporting inaccurate public record information.They failed to do a proper investigation.They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still stating this information as accurate

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 2016-09-09
Company: First National Collection Bureau, Inc.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over 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 2015-07-01
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my updated Credit Report, the incorrect information are still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2020-10-27
Company: Kashable LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Although the Cares Act preventing creditors from reporting past due payments, charging late fees or penalties, Creditors are claiming that has ended and has now attempting to force consumers to somehow pay the amount or else. Not only does this place society in danger, but has negative affects on credit at no fault of our own. Creditors were ask to provide extended time, forbearance, and any other remedy to assist consumers with a worldwide nation health crisis. I am asking that Kashable remove all negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Brightfunders, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a conventional mortgage through Homeside Financial LLC, serviced through XXXX XXXX. This will be our second year in our home and in early XXXX we received our Real estate tax paid receipt, which showed a paid amount of {$2400.00}. We also received our end of the year escrow analysis stating that our monthly mortgage payment would remain the same at {$1800.00}. All of that looked good. Until we received our XXXX mortgage bill and noticed that our Escrow account was in the negative by over {$10000.00}. When we called the county tax office, they stated that the taxes on our house were paid in full and that we would need to contact our mortgage provider for further details. We called them right away ( early XXXX ) and tried to get answers in regards to what happened and how we could get this resolved. I logged into our online account to find that there were 4 additional county tax payments made from our escrow account on properties that we do not own and do not have any relation to. The amounts are as follows .... 

* {$6900.00} * {$2500.00} * {$1600.00} * {$100.00} We have been in contact almost everyday since early XXXX trying to get this taken care of and they keep " opening tickets '' to have this investigated but every time we call for an update, the completion date gets pushed farther and farther back with no answers. At the end of XXXX we received a " new '' Escrow analysis stating that we are short {$12000.00} and that our mortgage payment will be increasing to {$3900.00} on XX/XX/XXXX. Over double what we should be paying! We have done everything in our power since the beginning of XXXX to get this fixed before that higher payment would take effect but we still have no results. Every time we call for an update, we are only able to speak with their customer service department who reads the notes on the account, we are never able to speak with the same person. And as of this morning, XX/XX/22, we called for an update and find out that they are selling our mortgage and that we will have to pay the higher payment and wait for a refund as everything will be transferred to the new company. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.

Company response to consumer: Closed with explanation