BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent out a dispute letter in XX/XX/2022. I requested to validate the medical debt and informed them of a HIPPA violation as they sent my information containing sensitive information I did not authorize to release. Their response to me was that my dispute was deemed frivolous or irreverent They also did not validate the debt or confirmed if they are a legitimate business or legally allowed to collect debts in my state of Nevada

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: V and H Portfolio
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit file on XX/XX/XXXX I identified a discrepancy with account listed under VANCEHUFFMAN and validation was requested as this was ab account that i did not recognize. I reviewed my credit report again XX/XX/XXXX and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct. 

The company responded with this " Vance and Huffman LLC has reviewed XXXX XXXX complaint. The account was obtained on XX/XX/XXXX. On XX/XX/XXXX a letter was a sent to XXXX XXXX making her aware that the account was now in our office for collection. The statements made by XXXX XXXX are false and misleading. The account has been credit reporting since XX/XX/XXXX. This is in regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX obtained a loan for {$300.00}. XXXX XXXX provided her drivers license as verification and provided her bank account with XXXX XXXX XXXX acct # ending in XXXX. When payment was to be made the item was returned due to non-sufficient funds. On XX/XX/XXXX a representative reached out and the individual that was contacted would not verify any information and terminated the call. On XX/XX/XXXX XXXX XXXX contacted Vance and Huffman and she was given the phone number to the office that was handling her file. All calls are recorded for training and quality assurance. Vance and Huffman have not discussed the account in our office any time. This complaint is the only time the matter has been discussed with XXXX XXXX. We have placed the account in a disputed status and requested that all validation be sent to XXXX XXXX for her review. If we can be of any further assistance, please contact the office at any time, we will be happy to assist you. '' This does not verify this belongs to me my name is XXXX XXXX i am a man i have attached my identification. I have never spoke with this company. Again, this is mistaken identity. Next i will do a report with FTC for identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I came back from basic training to this credit card open in my name. I was told to take it up with XXXX XXXX who is also on the credit card. I never gave anyone permission to use my information while away. I contacted the company and was told that it was nothing they could do

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 2022-06-06
Company: VANDYK MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Promised Credit Revoked XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Application Expiration by Van Dyke After forwarding the contract on the new home purchase, my lender ( XXXX XXXX ) proceeded to lock in the interest rate. He then told me that my application had expired and he could not lock in the rate because he would have to run my credit. XXXX knew I kept a credit freeze on my accounts and that it takes time to lift a freeze. XXXX said he was leaving for the day and he would have to handle that evening. I contacted XXXX that evening because my credit had not been accessed. He said it was still frozen, to which I sent him the confirmation lift ; the freeze had been lifted for hours. He then proceeded to run my credit. According to XXXX the market had two increases that day and I was charged {$3000.00} in points due to this mistake of Van Dyke which was {$620.00} more than the previous quote of {$2300.00} in points. I contend that it was the companies responsibility to monitor my credit application status with their company and I should not have been charged more because they mishandled my application. 


XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: FL
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 have disputed the errors on my credit report multiple times but it is still showing on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The CARES Act and Credit Reports states. 

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 


SANTANDER CONSUMER USA reporting late payments XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Novad Management Consulting LLC
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Novad stopped responding to our emails as of XX/XX/XXXX. Our mother XXXX XXXX is now in a XXXX XXXX  as she has XXXX and needs 24 hour care. We sent NOVAD a letter via email on XX/XX/XXXX to state that XXXX would be vacating the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and moving into XXXX XXXX We initially requested a deed in lieu of transfer and submitted all documentation requested by Novad. We were told the process takes at least 90 days and not to contact them. Novad found an old lien on the property which was holding up the deed transfer process although they did not email XXXX XXXX, POA, for XXXX XXXX with any updates. We had to keep emailing to request a status. In XXXX XXXX had to apply fir XXXX as her assets ran out. We notified XXXX in XXXX that XXXX had no assets to continue to pay taxes and insurance and that if they could not clear the lien they would have to move ahead with foreclosure. XXXX denied the application and requested a letter from Novad stating that XXXX no longer had access to the home or the reverse mortgage funds. In XXXX Novad refused to send a letter and did not provide us with any status of the property. We emailed numerous times in XXXX to attempt to get a letter or move property to foreclosure XX/XX/XXXX was our last communication from Novad although we were told in XXXX by the property custodian assigned by Novad that they were no longer taking cate of the property and it was being turned over to HUD I emailed again requesting a status on the property in XXXX. No response from Novad. On XX/XX/XXXX I again emailed Novad and told them we were filing a formal complaint as they had stopped communicating to XXXX XXXX as of XX/XX/XXXX. This is unacceptable. I will attach copies of emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiries ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am a hard working tax paying citizen who had my income and livelihood disrupted by Covid 19. I have owned my home for 22 years and am now on a path to foreclosure because when my loan got transferred to Fay Servicing they refused to follow the protocols and guidelines set forth through the government mandated CARES forbearance, instead demanding full reinstatement. The agents at Fay Servicing are not very nice. I explained my situation and asked for help and they were not helpful, instead they were very condescending, making me feel like I am a loser because my job and income were devastated by Covid.

I have worked as a home inspector for 10 years and had no problem with my mortgage payment until the pandemic hit. People did not want me coming into their home and around XX/XX/2020 my business tanked and shut down. When I contacted the previous servicer XXXX XXXX they were understanding and said I could take up to year for forbearance and they would put the delinquent amount at the end of the mortgage as part of CARES act. After six months I was back to work and they put the payments back into the balance of the loan and they lowered the interest rate to make the payment less. I made the restructured payment for almost a year, and then I got sick again with XXXX and could not work. I contacted XXXX XXXX and they gave me a second six month forbearance. I assumed that it would be easy to recapitalize the late payments the second time like they did the first time, but then the loan got transferred to Fay Servicing. 
When I attempted to resume making mortgage payments Fay told me the only option was full reinstatement. I told them that XXXX XXXX had worked with me after the first forbearance and put me into a plan to address the past due amount. Fay said they could consider a plan, but that it would not stop the foreclosure unless I paid the full amount. I went online and saw dozens of horror stories about Fay Servicing engaging in dual tracking, misleading borrowers to think they were being reviewed for a plan to get caught up but then foreclosing on them anyway and selling their house after they told them they would not do it. 
I believe that since my delinquency is Covid related that Fay is required to work with me to review my financial information in order to determine options to address the past due payments from the last forbearance. They should not be allowed to demand reinstatement, yet every time I call in to tell them I dont have the funds to reinstate the agents simply send out a new reinstatement quote for a higher amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This information is incorrect and does not belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX with 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
All my accounts are current yet my credit score reported byTransunion is XXXXand XXXX  is XXXX. My score is is usually mid 600 as it were XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: REGIONS FINANCIAL CORPORATION
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:
I stated that inaccurate late payments are being furnished on my report that needs to be removed. Per my request the information came back as : Meets FCRA requirements and has not been removed. HOWEVER, THE FOLLOWING INFORMATION IS IN VIOLATION OF 15 USC 6802 OF THE GLBA. MY NON-PUBLIC PERSONAL INFORMATION IS BEING FURNISHED TO NON-AFFILIATED THIRD PARTIES IN WHICH I NEVER GAVE LAWFUL CONSENT TO DO. As a result, this information being reported ruined my financial reputation and is in violation of 18 USC 894 of using unlawful extortionate means in which you can be held criminally liable for 20 years. These late payments need to be removed immediately as this is a breach of my privacy. Nothing under the FCRA requires the furnisher to furnish any negative information about me so furthermore, I am requesting the name of the person who verified this information was accurate as if they have lawful authority to do so as well as their telephone number and address. This is my last attempt to settle this matter before taking legal action for willful non-compliance for not following reasonable procedures in making my report fair and equitable to me the consumer

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 2022-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte

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