BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: 2288984 Ontario Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a payday loan with Moneykey that was obtained online several months ago. Due to an IRS tax obligation, I had to revoke the ACH authorization privileges on my account and begin making manual payments over the phone with a representative. Due to the fact that Moneykey was not able to receive twice-monthly payments from my checking account, they eventually converted my account to an in-house collection and attempted to set up payment arrangements with me for same. I have ALWAYS stayed in contact with Moneykey and have CONTINUED to make payments towards my account when funds are available to me, however they will not work with you on a payment plan that makes financial sense to their customers. I have informed them numerous times ( on recorded phone lines ) that I intend to pay this debt and will call them every couple of weeks in order to keep the lines of communication open and have EVERY SINGLE COMMUNICATION written down and accounted for in order to ensure they are not attempting to blur federal lines with their collection tactics. In the past, they have contacted my son and forcefully asked him to TEXT ME to call them, they have called my place of employment even though I had spoken to them earlier in the day. All of the collection tactics are harassing and highly unnecessary when I keep in CONSTANT contact with them. When they e-mail me, I immediately respond and have a record of every single e-mail communication in a special folder due to the fact that I can not trust them. This morning, they contacted a reference on my application and left a voicemail on her answering machine asking her to get in contact with me to call them. THIS IS UNACCEPTABLE AND UNNECESSARY when I have never disappeared from their radar and continue to communicate with them AND PAY MONEY towards this debt. Moneykey needs to cease and desist from contacting my employer, my office, and my references immediately. As a matter of fact, I made a payment to to them 6 DAYS AGO on XX/XX/2020. Why do they need to harass my references when I just recently made a payment?? Please assist me in making this harassment stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/12 I sent a dispute to the reporting agencies and all have come back as verified. 
On XXXX I sent a Method of verification letter to the reporting agencies and didn't get any response from any of the reporting agencies. Then we received a letter from a law firm stating that we needed to respond to the court case. We sent our response to the court and refused the debt. I have not received a court response yet but we did received a letter from the lawyer saying she wanted to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: TX
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:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On both accounts reported, XXXX is showing a mortgage loan as being " Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Scott’s Jewelry & Pawn Inc.
State: AL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: LA
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:
XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.

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 2022-08-28
Company: EQUIFAX, INC.
State: LA
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:
XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
Military Star Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is refusing to investigate and remove accounts from my credit report that do not belong to me.

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 2015-09-07
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies. 
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi- on XX/XX/XXXX, I was attempting to sell my XXXX  on XXXX XXXX and was scammed with XXXX XXXX I immediately reported it to Citibank that evening where they said an investigation was to take place and I had to go to the bank to open a new account. At that time, no information about what had transpired were asked just that my account is blocked. I did not hear any updates from the investigation until a month out when I called to find out the status on XX/XX/XXXX. I found out that they denied my claims and so I appealed it because no questions regarding the events or emails were shared. They temporarily returned my funds and began the investigation again. No letters were sent, when I did receive an email and called Citibank to open the email as it required a password, they told me not to open the email. As of yesterday, XX/XX/XXXX, I was told I am not eligible of getting my funds back. As per the XXXX, I believe I am covered and have the emails to prove the scam which no one has asked me for during the investigation.

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 2022-08-28
Company: FIFTH THIRD 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 information incorrect

Complaint:
In accordance with the fair credit reporting act Fifth Third Account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
HMFUSA has again improperly applied my payments. I called customer service and they said they have fixed it and it take 3-5 business days for the changes to apply. Once I logged back in, the problem was still there and there was an additional mis-handling of my latest payment.

HMFUSA has improperly applied every single one of my payments  since XXXX. I have not had a statement since XXXX and payments are constantly either not applied, applied incorrectly, held until past due, or applied only towards interest when I request it be a regular payment or principal only ( additional funds are applied ).

This has gone on for 8 months. This company has not made a single proper payment has has not been properly correcting issues  since XXXX. This is fraudulent. Every remedy I pursue with the company to correct issues ends up in a dead end.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2015-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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:
On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicing company collects escrow funds to pay for my homeowner 's insurance. After failing to make the payment to my insurance company, despite collecting the funds and being named loss payee, I had to pay for my own insurance out of pocket despite the servicing company possessing the funds. After I paid, I sent evidence of my insurance multiple times. Despite sending the evidence and having several conversations, The servicer proceeded to force place insurance on my account unnecessarily and remove MY funds from my escrow account without my permission. This is theft and something they have no permission nor right to do. They have no basis for removing my funds from my account when I provided evidence of insurance multiple times. This company is inept and should not be servicing any loans whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CNG HOLDINGS INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Almost every day, I receive calls from Why Not  Lease  It on average of  XXXX  calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a   XXXX   XXXX   XXXX   on this loan, this has gone far beyond harassing. I have counted this many calls  XXXX  in a day 's time for weeks now. I have the phone log records from  XXXX  to show this and back my claim which are included for the days going back to JUST the  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I was a XXXX account holder 100 % payment History and my accounts ws closed and reported and charged off after I reported fraud 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 non-monetary relief
Consumer complaint received 2020-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Chase credit card inquires on XX/XX/2020 and XX/XX/2020 that I never authorized. XXXX XXXX XXXX XX/XX/2020 inquiry that I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation