BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: IL
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 have communicated with Experian on XX/XX/2022 by sending them a letter via certified mail. I submitted a complaint on XX/XX/2022 and the complaint ID is XXXX. In that letter I told them to send my credit FILE, not credit report. They have ignored that and responded to the complaint saying they are sending me report for review.

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 2022-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2015-06-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: AmeriCollect
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:
15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
# 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. 

# 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
No response. 

# 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. 

I am disputing the amount that added up to {$540.00}

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 2017-07-20
Company: EQUIFAX, INC.
State: MD
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:
Inquiries were removed due to disputing them and then put back on my report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information 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 non-monetary relief
Consumer complaint received 2015-07-15
Company: Valarity, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file. 

This collection agency can not be contacted and there are many consumer reviews on the web of abuses from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.

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 2016-04-21
Company: M&T BANK CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
M & T BANK purchased my mortgage loan for my home XXXX XXXX XXXX XXXX GA XXXX loan XXXX ) XXXX XXXX, XXXX the principle balance transferred from XXXX Mortgage. $ XXXX XXXX statement showed I owed XXXX There were no missed payments.I contacted M & T numerous times who transferred me to XXXX XXXX XXXX XXXX XXXX They instruct me to write a letter, I do but they never send the information explaining how the principle went up by $ XXXX Little Mortgage Customer Support, Retail loan Servicing did mail me a letter stating the principle was {$230000.00} when M & T purchased the loan. After written request my questions where never answered why the principle when up on a 30 year fixed mortgage.I called today XXXX and was told the request would need to be in writing again. XXXX XXXX wrote me a letter, confirmed the starting balance {$230000.00} XXXX. She referred me back to XXXX XXXX if I had further questions, which is there General Customer Service line, they tell you to write another letter.What I keep asking them is how did the fixed mortgage increase by {$5600.00}. with no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS ARE CLOSED AND IT HAS BEEN HINDERING MY CREDIT REPORT. THOSE TRANSACTIONS THAT ARE BEING REPORTED WERE NOT DONE BY ME. PLEASE HAVE THESE DEROGATORY MARKS OFF MY CREDIT FILE. PLEASE REMOVE DISPUTED INQUIRIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXA 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 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 explanation
Consumer complaint received 2015-12-21
Company: Financial Business and Consumer Solutions.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DUE TO THE COVID19 I WAS ON A FOREBEARANCE THAT WAS SET TO EXPIRE ON XX/XX/XXXX. I CONTACTED IN EARLY XXXX MY MORTGAGE PROVIDER NEW REZ AND SPOKE WITH AN AGENT WHICH ADVISED OF MY NEXT STEPS WHICH INCLUDED A PARTIAL LOAN AND A LOAN MODIFICATION. I WAS ADVISED BY THE AGENT I DID NOT HAVE TO MAKEE A PAYMWNT UNTIL XX/XX/XXXX. I COMPLETED ALL DOCUMENTS THAT WAS SENT TO ME ON TIME AND I MADE THE PAYMENT AS I WAS ADVISED ON XX/XX/XXXX. THE COMPANY REPORTED AS BEING LATE FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE REACHED OUT TO THE COMPANY SEVERAL TIMES AND WAS TOLD WAS NOTHING THEY COULD DO ABOUT IT AND ADVISED ME TO DISPUTE WITH THE CREDIT BUREAUS. I HAVE EXLAINED THAT I WAS ADVISED BY THE AGENT AND IF THEY COULD LISTEN TO THE CALL BECAUSE THEY SAY THE CALLS ARE RECORED. I WANT THE LATE REPORTING REMOVED BECAUSE BASED ON WHAT I WAS TOLD BY THEIR AGENT I DID WHAT I WAS TOLD AND THEY TOLD ME MY MORTGAGE WOULD REAMIN IN GOOD STANDING. I FEEL LIKE IT WAS A BAIT AND SWITCH BECAUSE THE AGENT INFORMED ME SEVERAL TIMES NOTHIG WOULD HAPPENED AND THE LOAN WOULD REMAIN IN GOOD STANDING AS LONG AS I RETUNED THE DOCUMENTS WHICH I DID ON TIME. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My auto loan was paid off XX/XX/2019. 

I overpaid {$690.00} and asked for a refund. The bank wont provide a refund of the overpayment without asking two times. 
My account has been closed so Im not able to gain access and submit a request. 

Ive tried calling multiple times, and hold the line for an hour multiple times before ha hanging up in frustration.

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 2020-01-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My wife has a credit card with Synchrony Bank credit card. She makes purchases and pays on time. One time in past six months she missed a payment. They reported to credit reporting. After which we did pay off the amount with in the 30 days of reporting late. 
Now, after many months it is still showing 60 day late and 90 days late on payment, even after it is paid off. Not only that, I am not linked to my wife 's credit card. And my credit report is showing bad scores. This delinquent report is showing on my credit history. 
We are requesting you help to remove this late fee record for my credit report. Also requesting to help in updating the paid off and not show delinquent in the future credit reports. Your help is appreciated.

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 2019-11-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account : LVNV FUNDING LLC Amount : {$440.00} Date : XX/XX/2019 Discrepancy : This debt was paid on time. It was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage increased my monthly payment stating I had a XXXX deficit in my escrow account in XXXX XXXX. I refinanced my home with them in late XXXX of XXXX. Since then, they have been unable to give me a clear explanation of why they increased my mortgage. 
after speaking to several representatives, it was determined that my insurance was n't paid although it was included and confirmed in the XXXX statement from American title company. I notified Freedom mortgage of this and they said that when they made the payment to the it created a deficit in my escrow account although they collected for the payment in the closeout. I 've been unable to get them to resolve this and every time I call, I 'm, switched between XXXX to XXXX people and have to re-explain my issue every time with no results. Surprisingly enough, my payment is near the same amount as it was before I refinanced a year later. No one can explain that either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian and XXXX  are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus Experian  & XXXX  but both state that its 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 2022-02-21
Company: Experian Information Solutions Inc.
State: IN
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:
Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2022-02-21
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX sold debt to NCB XXXX XXXX NCB Management Services Inc . 
Address : XXXX XXXX XXXX XXXX, PA XXXX Customer Inquiries : XXXX Business Inquiries : XXXX Email : XXXX They call me daily, if not several times per day. Each time I have answered and simply stated to stop calling this number. I also filled out their Opt-out form via their website. 
I do not want them calling me any longer.

Company response to consumer: Closed with explanation