BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Professional Finance Company in XXXX, CO XXXX is the company I am dealing with. In XXXX of 2021, I received a summons to answer and complaints of debts that I supposedly owe. I was very curious as to how they decided to take action on this so I called the courthouse of XXXX XXXX and the clerk told me there wasnt any kind of case or docket number at the time. I still showed up to the date presented on the complaint and filed an official answer and request of debt validation. A few days passed after and I received a stack of paperwork containing personal medical records and information that I did NOT consent or sign anything giving them access to these private records. I am aware of my rights knowing that this company can not have access to this much information, only the bare minimum to collect on this amount. Theres information about my procedures and surgeries that I got on the date of my hospital visit. I believe this violates HIPAA laws and would like an explanation on this. I will attach some pictures as well as additional information that I, again, had no idea that they had access to. I will formally request that they immediately stop attempting to collect and cease all communications with me as well as report to the credit bureaus that I no longer owe. I will also file a complaint on the HIPAA website. Thank you. All the documents attached are the copies of medical records that they sent me in response to me asking about debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was recently transferred to Freedom Mortgage. Now due to CoVID -19, I asked for assistance, their Loss mitt department handling the forbearance program never called and I could not reach them as the number always routes to Customer service and they transfer and the line gets disconnected. However, their refinance department called me and offered FHA StreamLine refinance, They told me if I close in XX/XX/2020, I just have to pay taxes and insurance and the payment will begin in XXXX. I agreed. Now they are telling me that their Title company can not close in XXXX so I will have to pay my XXXX payment. I asked them why can't I use my title company, initially they said no then came back and said I can use my title company but I have to pay the title cost and I may not have enough time to use my title company because FHA take3 days to fund my title company is asking 7 days to get everything ready and the loan won't fund in XXXX and I would not qualify for FHA STREAM line. This is ridiculous .. company baiting and switching. How come they did not know their title company could not close. how come a billion-dollar company can not have a forecast that they would run into this issue with covid-19. and since it's their fault, why can't they take the hit with the payment. Also, why cant they assist with foreberance. I know they will blame the high number of cases and call volume.. I at least want them to call and take care of this

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 2019-12-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.

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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a pending issue with the Bank of America. My account was hatched by unknown person from unknown cities totaling {$7500.00}. I filed a complain from last year and sent all the documents they wanted, i.e., copy of my driver license and my mother 's too to complaint that {$7500.00} was not withdraw by me. They've denied few times but they said that they will investigate on this issue with another department. They've been saying this since XX/XX/2022 and they've advised me that they're working on it since XXXX 2022. However, nothing is progressing. Please help me get my money back. 
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 2022-05-02
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam that happened on XXXX/XXXX/XXXX. I got XXXX  checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through zelle. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a zelle claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( XXXX XXXX XXXX ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. Zelle department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2017-08-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called NFCU with Financial Counselor from XXXX XXXX XXXX XXXX, XXXX XXXX. NFCU was able to locate the debt and I was ready to make a payment settlement. However, NFCU would not allow me access to the collection debt without giving a telephone password. I am currently in basic training at XXXX and I did not know the secret password however I was able to give all identifiable information, but NFCU would not allow me to make a payment towards the debt without knowing the telephone password. NFCU stated that I would have to mail them a letter requesting the removal of the requirement of the telephone password. I am currently in basic training and unable to break away from training to fax a request or mail a request for NFCU. I was ready to make a debt settlement payment but NFCU refused to take any payment until the password requirement was removed. I do n't remember the password and I am unable to break away from basic training because of duty requirements. NFCU has the debt and has complete access to the debt but will not allow me to pay towards the debt even though I can give any and all personally identifiable information over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a checking account with Citibank, NA in late XXXX or early XXXX because of a promotion promising XXXX Citi Thank You Reward points, which I received in early XXXX. 

Yesterday, I got an email from Citibank informing me that my checking account was overdrawn by {$380.00}. Upon investigation, I learned that they had : 1. Retroactively decided I was n't eligible for the points ( not sure why ), 2. Valued, the points at {$500.00}, and 3. Unilaterally, and without notice, debited my bank account {$500.00}, placing it in overdraft. 

Here is a direct quote from today 's chat : XXXX, XXXX XXXX XXXX : Upon checking, our Back office were able to determined that the account is not eligible for the Thankyou points or the promotion. And XXXX Thank you points are equivalent to {$500.00}. That is why {$500.00} was debited to the account,

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 2019-12-25
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Kinum, Inc. ignored my letter ( sent to them within 5 days of their initial communication ) asking them to substantiate their claim that I owed debt. They falsely accused me of owing debt, distorting facts and misrepresenting an agreement I had with a vendor. I sent the letter by certified mail, asking for substantiation of the debt and asking for proof that they had a right to collect it. I know they received it because their employee signed the certified mail receipt. Before responding to me, they contacted my relatives and terrified them. They also contacted me and claimed they never got the letter even though I have signature proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

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 2022-01-20
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Thursday, XX/XX/XXXX Re : Planet Home Lending , LLC Falsely reporting to Credit Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sirs : Planet Home Lending , LLC has again falsely reported to the credit agencies that we have not made our mortgage payments. 
You will find three ( 3 ) attachments containing the following information to substantiate another complaint against Planet Home Lending , LLC : 1. A copy of my XXXX report showing Planet Home Lending , LLC lying once again 2. A copy of Planet Home Lending, LLCs response to CFPB # XXXX ; the table in the response shows that our payment was made and credited to our loan 3. A copy of our bank statement showing the payment to Planet Home Lending , LLC Planet Home Lending , LLC lies and cheats. 
They misappropriate our loan payments and state that we have NOT made a payment. They change the mortgage payment amount indiscriminately, without notice and without reason. 
Currently, as reported to the credit agencies effective XX/XX/XXXX, they are stating that our loan amount is greater than the original loan agreement amount ; ridiculous after paying on the loan since XXXX! 
When will CFPB finally punish Planet Home Lending , LLC? You are the mortgage companies governing body and have responsibilities to the public. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: LA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was in Chapter XXXX and I received discharge of all debts on XX/XX/2014 including the homeowner association fees, the amount of about {$9000.00} and after the discharge the collection company continued adding interest and penalty and according to their last demand over {$23000.00}. I went to collection company provided them with evidence of the discharge of the debts and provided them with the bankruptcy court order. Also, talked to their attorney and provided him with same information. I gave them copy of the discharge order. 
I advised them their action is in violation of " Fair Debt Collection Practices Act '' by attempting to collect a debt that has been discharged under the bankruptcy laws of the United States. Also, in violation of 15 U.S.C. 1692 and all applicable sections of Nevada Revised Statutes Chapters 116 and 649. 
The Collection company initiated a foreclosure proceeding on my house including a recorded " Notice of Foreclosure Sale '' with the XXXX County Recorder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I went to XXXX XXXX on XXXX XXXX XXXX XXXX Ohio XXXX ph no. ( XXXX ) XXXX to respond to new vehicle options. Once there I decided that I would wait and not inquire on my credit for loan purposes. I was told my documents had to be shredded and I couldnt shred them myself. I requested the documents to keep them from running my credit. This morning I received an alert dated for the same day of my visit from one of their auto financing services XXXX Capital One XXXX XXXX ) options. I had updated my phone number and email address, as well as, verified my personal information, however ; I decided against the hard inquiry on my credit report based on our communication of my not being eligible for a trade in option. I was told my car loan with my current finance office was to recent, one year so I opted out of the communications and was denied access to shred my own documents. At that point I left and apparently the service agent ran my credit report anyway, which came as a hard inquiry that was unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have recently found out I am the victim of Identity theft i have notified all credit bureaus and parties involved my personal information has been compromised and sense this has happen I received items on my compromise that have even been compromised or been placed on my account with my 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: ProCollect, 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  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an 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 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Bank of America account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.

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 2017-08-24
Company: HW Holding, Inc
State: NC
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:
This account under the name Hunter Warfield keeps showing up and the amount owed each month goes up and down {$1.00} at a time. I have never had a contract or done business with this company. Also, it shows the account was removed from my credit report and now it appeared again a day later and I was not notified. I have submitted several disputes to have this removed and it is still showing and negatively affecting my credit and reputation with other open accounts I actually have relationships with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: Mercedes Benz Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation