BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/2021 a dispute was filed with XXXX XXXX and Transunion regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX XXXX and transunion, they are refusing stating it meets FCRA guidelines. Such statement is false.

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 2015-05-18
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? 



XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MI
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 have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 AND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MI
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 have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX  XX/XX/2021 AND XX/XX/2021

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 2017-02-10
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My step-son, XXXX XXXX, and I were scammed by MOHELA Student Loan on XXXX XXXX, 2004. This is the 2nd complaint I 've filed with CFPB against MOHELA. The first complaint # XXXX is still pending. MOHELA used a deceptive and misleading Truth In Lending disclosure and XXXX page loan document. Proof that my step-son is not the only victim can be found by viewing this weblink, it 's a video of an investigative reporter interviewing another victim : XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX Seems that MOHELA is famous for adding interest charges to loans that they purchase from other lenders. Appears to be a " bait and switch '' scam. Shame on MOHELA for taking advantage of high school graduates with no borrowing experience and for snaring parents excited for their children to attend higher education but lacking funds to send them as co-signer on the deceptive loans. MOHELA does not make interest that loans accrue while students attend college clear and obvious so that a first time borrower/recent high school graduate and parent that 's excited for their child to attend higher education can see and understand interest that will accrue while the student is attending college. The weblink video is proof of multiple victims of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
American Express reported a collection account on my personal credit report even though the collection account is not my personal account. The borrower on the subject American Express account is a corporation which is " XXXX XXXX XXXX XXXX XXXX, XXXX '' and has a corporate tax id # of XXXX. Thus, this corporation, and not me individually, is the borrower. Because I am not personally the borrower the reporting information has no reason to reflect on my personal credit report ( My social security number is XXXX ). The corporation is the borrower, not me, and is a separate and distinct legal entity under Florida and Federal law. ( the corporation is a Florida corporation ). The account number that is being reported that belongs tot he corporation is XXXX XXXX XXXX XXXX. For whatever reason the account number that is reflected on the attached statement is different but notice the amount that is stated on the credit report {$30000.00}, is the same exact amount as on the attached statement. It is in fact the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a hit and run accident XX/XX/2021. Upon have the wreck I contacted XXXX to notify them that my car was totaled. I was told that I didnt need to make any payments because I had full coverage and gap insurance. Kia motor finance was paid but still continued to report delinquent payments for 2-3 months resulting in my credit score dropping. Now I cant go get a new vehicle because of the late payments represented on 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.

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 2016-03-10
Company: CBA of GA, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. 
I asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. 
I never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. 
I was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Clear Debt Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The debt collector did not want to agree with the amount I could pay to help satisfy the debt so I told him that I could not do it and he refused so I hung up. The collector has contacted my ex wife of whom I have been divorced from for 10 years and he also have been contacting my job making threats. He has released all of my info to whoever answers the phone and this is becoming a problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX states Ocwen changed my last name. 

This is a flagrant and gross action by Ocwen. 

XXXX will correct the error but this must be made public record for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was a prepaid account with no contract. It was a month to month bill. When our bill cycle was up we did not use service and service was off. We have paid all bill as agreed for prepaid services. These charges are incorrect and I am being billed incorrectly

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 2016-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.

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 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. 
Never late with any payments, never had any claims on any house or vehicle in 20 years. 
Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. 
This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. 
After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. 
Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. 
After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. 
The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. 
Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. 
Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. 
The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: DE
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 started my investigation XX/XX/2021 I haven't heard anything from the credit bureau they are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: MI
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:
Good Day, On XX/XX/XXXX, I noticed that Experian is reporting a collections in XX/XX/XXXX, for an account ( XXXX # XXXX ) that was paid and settled in XXXX, XXXX. I informed an Experian employee of this and she agreed that an error was made because she SAW that the account was paid and settled in XXXX, XXXX. The employee stated that it is impossible for it to be in collections months later in XXXX, XXXX. As such, the employee opened a DISPUTE to have it corrected. However, today XX/XX/XXXX the dispute kept the error on my report. Therefore, I am filing this complaint against Experian for continuing to report this erroneous COLLECTIONS in XXXX, XXXX on an account that was PAID AND SETTLED IN XXXX, XXXX. This is highly unethical and it is damaging my credit worthiness. I need this removed expeditiously so that my lender may approve me with the best terms on my account. Also, to add, it is impossible for a paid account in XXXX, XXXX to now be in collections for only one month being XXXX, XXXX. The last payment I made was in XXXX, XXXX. Therefore, if it were truly in Collections in XXXX, XXXX, it would still be in Collection since I made no other payment than in XXXX, XXXX. Also, XXXX never reported anything in the payment history to begin with. In addition, XXXX  and XXXX  both acknowledged that the account was paid and settled in XXXX, XXXX. Experian for an unknown reason is the only XXXX reporting this erroneous Collections in XX/XX/XXXX, months after the paid settlement in XXXX, XXXX. I don't want to speculate, but I hope Experian is not retaliating against me because of other CFPB complaints that I had to file against them. I am including screenshots to show the obvious error that Experian is reporting on my credit file. Please advise.

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 2021-03-19
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The CFPB has jurisdiction over this matter because it pertains to unlawful tactics to collect a fraudulent debt that is past its four ( 4 ) year Statute of Limitations. From XXXX I have been a victim of Identity Theft in which my accounts have been misused or compromised while I underwent a life-threatening procedure and was consequently incapacitated and XXXX ( see XXXX photo and XXXX XXXX placard attached ) This alleged account XXXX with Compass Bank appears to be unlawful because it shows an alleged original balance of $ XXXX, yet the collection amount is XXXX. Then it was placed with two different collection agencies simultaneously which is a violation of applicable usury and lending laws : 1. Reporting on XXXX as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ( attached ) 2. Reporting on XXXX as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( attached ) Please note, these actions are a direct violation of California Identity Theft Statute XXXX which specifies a Creditor must cease and desist and withdraw all collection activities when the consumer evidences the identity theft, and that the Creditor is liable for up to {$30000.00} in damages for continued unlawful collection activity.

Company response to consumer: Closed with explanation