BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATED 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 2017-10-24
Company: Scheer, Green & Burke L.P.A.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: VANGUARD FUNDING LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a brokerage account with XXXX XXXX. The firm is generally quite consumer friendly in most of its activities. However, every time a customer places a trade, they are forced to a screen that attempts to force the customer to accept Electronic Delivery of all documents. I understand this is what the company desires, but their methods are very poor. The screen offers XXXX choices, with the default that this and all future documents be delivered electronically. The second choice is the one I choose, which is this trade confirmation, and all future trade confirmations be sent electronically. The final choice is to send this confirmation by mail. These choices are prudent periodically, but the company forcing this screen every time is not right. It would be easy for the customer to click past accidentally, just once to the default setting that Vanguard desires. And by putting this practice is place for every transaction, Vanguard is willingly disregarding the choice of " and all future transactions '' by forcing the screen on every transaction. 

I have called Vanguard XXXX regarding this screen. Once was several months ago, and they said they had recorded my choice and the screen would not show in the future. However, nothing changed, and it still forced the screen selection on me after every trade. I called again on XXXX XXXX, and spoke with a representative who stated that my choice had been recorded and the screen would not be forced upon me in the future. I made a trade today, and the screen is still mandated by the company. I have no faith in Vanguard making any changes to actually allow the customer choice to be the customer 's choice. I feel that other customer 's are either making an incorrect selection at some point to get to Vanguard 's desired selection, or give up trying to make another selection due to Vanguard 's purposeful repeated asks that just wears them down. I urge the CFPB to research this practice of a financial institution creating purposeful annoyances for customers to try and not have them make an informed decision.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-24
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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:
I became past due on one of my accounts with Comenity. That is when the phone calls began occurring on my cell phone. It got to the point when they were trying to disguise their number and come up restricted. They never once left a message. <P/>On XX/XX/XXXX, they called me at XXXX XXXX., XXXXXXXX XXXX. and then again at XXXX XXXX. I called them back the following day and spoke with XXXX. She told me that as the calls were autodialer/robocalls, there was NOTHING that they could do to control the frequency of the calls. I had called from a line at work. <P/>I just now received a robocall at my place of employment from them, when I never once gave them permission to use that number to reach me. These tactics are a form of harassment. There was dead air and then disconnect. Luckily I was able to retrieve the number and call back to find out that it was Comenity. <P/>Last year, I received an email from a class action suit that I was going to be receiving portions of this suit due to illegal activities 9f their Account Assure practices. Instead of mailing me the check, the put the balance of what was owed  to me towards a legally settled account that was closed a year prior. <P/>I definitely think that the FTC needs to seriously monitor this credit company and all their activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: IL
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:
Eqquifax reinserted information from the company contract callers on my credit report and I wasnt notified with 5 days that it would be put back on, my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Santander Consumer USA Holdings Inc.
State: CA
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 noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXXXXXX XXXX XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I disputed this collection account with all XXXX credit bureaus multiple times the latest date being XXXXXX/XX/XXXX. I have a collection account for the amount of {$770.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas XXXX XXXX which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a XXXX bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX of State. Furthermore, Sec. XXXX92.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas XXXX XXXX XXXX XXXX XXXX  as well and I request the immediate removal of this trade line from all XXXX credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: NC
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:
Dispute letters were sent certified mail USPS # XXXX to Equifax in XX/XX/XXXX and I requested to them to provide original contracts that are signed/consented by me for accounts listed below : Account Name : XXXX XXXX XXXX  Account Date : XX/XX/XXXX Account Number : XXXX Account Amount : {$1000.00} The account Listed above IS NOT MINE. You did not provide The original instrument of indebtedness, or proof that the instruments still exists. I have not received any DOCUMENTATION or CORRESPONDENCE with this information that you claimed I consented to above account. Yet this account still remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
On XXXX/XXXX/XXXX I set an initial fraud alert with XXXX and was told they would share this request with Experian and XXXX. 

A couple days ago I received a document from Experian dated XXXX/XXXX/XXXX indicating that an initial security alert was added to my credit file. So far so good, the system works! This letter stated I can receive a free copy of my credit report by visiting their secure Web site. During the information entering process on XXXX/XXXX/XXXX the website crashed and kicked me offline. When I went to the secure Web site the second time to request my free credit report, and after the majority of steps were completed, I was told I was not eligible. I understand that these glitches happen so on XXXX/XXXX/XXXX I called Experian to discuss the issue with a representative. Unfortunately, every published number directs you to a automated system with no options that address the problem and no option to talk to a human!!! Of course, they provide plenty of opportunity to PAY for my credit report, the credit report that should be FREE! 
This really is a relatively straightforward issue that could have easily been resolved by talking with a customer relations person. However, since Experian does not seem to have any human customer service personnel, and after several unsuccessful attempts to contact a human at Experian, I had no other choice but to file a formal complaint. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Vital Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Vital Recovery services ( XXXX ) is repeatedly calling me-atleast 15 times a day. I do not owe any money to any company/services. They are harassing me at all times of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
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:
InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}

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 2021-12-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account more than 45 days ago Directly with SANTANDER FINANCIAL Im sending the letter Santander Sent me as a prove. ( Attached ) I did A dispute with XXXX : no solution, no changes Im really frustrated paying everything trying to do the best I can to raise my credit score please I need assistance to delete or change this in my credit report. 

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Financial Credit Service, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 2017-10-24
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
A GB/pound transaction on XX/XX/XXXX, on XXXX, paid by via direct credit card but interfered by PayPal, in the amount of XXXX BG which at the time of transaction was XXXX XXXX but the actual charge to my credit card was XXXX XXXX thus some hidden fees were applied and charged to my account without clearly being stated. My attempt to solve the dispute with PayPal representative, XXXX XXXX ( as she presented herself ), and get the XXXX $ refunded to my account failed despite the obvious differences. PayPal representative continue to state the the exchange rate at that time was different from what I had at the time we had the discussions ( XX/XX/XXXX vs. XX/XX/XXXX, the actual day of transaction ) I think this XXXX $ are hidden fee and need to be clearly disclosed by PayPal when charging a person 's credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  {$550.00} XX/XX/2022 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 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 2019-11-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX two mortgages were transferred/sold ( via company to company ) to Loancare Servicing. As of XXXX the payments amounts have changed 5 times. In XX/XX/XXXX I requested a breakdown to include monies transferred by previous mortgage company. This was received XX/XX/XXXX. Subsequent calls have not resulted in clear explanations regarding increased mortgage amounts. Because I am not confident in the accounting of Loancare on XX/XX/XXXX I requested the cancellation of the escrow acct stating that I would pay insurance and taxes directly. I was told by Loancare that a response would be provided in 5 days. I contacted Loancare two weeks later, was told that the response would take 30 days. I called XXXX was told that there was no decision. I called XXXX was told that the escrow cancellation request was denied due to property being 2 - 4 unit property. I responded by asking why did it take 6 weeks to deny if this is the policy? I would was told that I could re-submit asking for the decision to be reviewed. Bottom line is I do not have confidence in Loancare 's accounting or trust the information I receive.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
On XX/XX/2022 I requested a copy of my consumer credit report for Transunion. I also requested a copy of my consumer credit file. I was not able to download a copy of my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit 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 non-monetary relief