BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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:
I, XXXX XXXX XXXX, first contacted XXXXXXXX XXXX approximately on or about XXXX XXXXPrior about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results Experian ( Letter was sent three times ) No results Collection of Debt XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2022-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION Account Number XXXX Date Opened XX/XX/2017 Balance {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Riverwalk Financial Corporation
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt has been being passed around to XXXX collection agency after another for over 10 years. 
Can you please help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-02-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received XXXX open checking accounts from TD bank and XXXX XXXX. I received welcome letters and checks. I have reached out to both banks and will call back the next business day to speak with the fraud Department since it is Saturday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. XXXX XXXX XXXX, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX and XXXX has been calling my place of employment regarding my debt I work at a XXXX XXXX which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
my payroll check has cleared ( my job 's bank XXXX XXXX XXXX ) but my bank Huntington has my funds on hold it was deposited XXXX/XXXX/16. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing CREDIT MANAGEMENT LP has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CREDIT MANAGEMENT LP does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-02-19
Company: Experian Information Solutions Inc.
State: MI
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:
I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-27
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trinity Hope Associates does the 3rd party collections for XXXX XXXX I have multiple charges for the same dates & amounts : XXXX21- date assigned XXXX21- date reported- three identical charges of {$29.00} There are two charges for {$180.00} within a month of each other

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: OCEANSIDE MORTGAGE COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a delinquent tax account with my township. I emailed the mortgage company initially and got a response that did n't even address my tax situation, they simply replied by telling me of my most recent tax payment ( from escrow ) and told me to email again with further questions. After a few days, I called the servicing department and got someone on the phone. There was nothing she could do, but gave me an email address for the " delinquent tax '' department. I emailed them and got an auto response that said I should receive a reply within 24 hours. That was XXXX XXXX. As of today, XXXX XXXX, I have n't gotten a response. I have been in contact with the person who processed my loan ( loan officer ) and she has been very nice, but still nothing has been done. A few days ago, I emailed servicing department again and got another generic reply but this time it said the status of my issue was " solved '' even though nothing has changed. There is plenty of funds in escrow to pay my delinquent tax. It is nearly {$1900.00} including almost {$40.00} in interest. A portion of this past due amount is from the XXXX of 2016 and will soon go into tax sale, at which point a lien will be put on my property. I have been trying to get this resolved for several weeks now. I have requested to speak with a manager on several occasions to get it straightened out but that does n't seem to be an option. The last thing I was told was that they would get back to me within 4 business days ( that was Wednesday evening ) and I have n't heard from them as of XXXX today XXXX XXXX. All I 'm asking is for my taxes to be paid by my escrow account and paid accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: NORTHWEST BANCSHARES INC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a car loan with Northwest Bank that was charged off in 2015. However, the interest has continued to accrue, which means that the balance continues to increase. I have informed the bank that my income is solely derived from XXXX benefits, which subjects me to a perpetual hardship. I have requested the post-discharge interest be discontinued but the request was denied. 

www.northwest.bank 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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 2022-07-08
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to ServiceMac as of XX/XX/XXXX, while trying to set up my account online to make a mortgage payment which is due on XX/XX/XXXX I found out that I wouldn't have my online access until XX/XX/XXXX. 
I believe it's unacceptable as my account transferred as of XX/XX/XXXX. 
So I made a payment from my bank on XXXX make sure I have my mortgage payment made on time, as of today, the payment amount still not applied to my mortgage despite several phone calls to the service provider. 
The payment is missing and a schedule payment option is still unavailable 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 explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have a credit card with Capital One that I have had for years. On Sunday XX/XX/XXXX I recieved an EMail from Capital One informing me that treir XXXX XXXX system was showing a hard inquiry into my credit. I checked my credit and found it was made by Capital One/Cabela 's. I did not apply for credit with them so I called Capital one. I was transferred four times and finally to their XXXX XXXX department where I was on hold for two hours. I hung up and imediatly called back to Capital One. After three transfers I am now waiting for the Capital One/Cabela 's fraud department and have been for thirty minutes. I have been told that there has been a problem with Cabela 's applications and that " my '' inquiry has been approved. I want this card recinded and the credit inquiry removed from my report. The only good that has come from my dealing with Capital One/Cabela 's is an operator named XXXX who has been monitoring my wait and giving updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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:
On XXXX, 2016 XXXX XXXX XXXX XXXX  received a payment from me. The account has since been closed. The payment was for XXXX dollars. They placed a charged off and payment status on my account. This is fraudulent. The other two credit bureaus XXXX  and XXXX has ceased reporting and removed the account from my credit report but transunion has not. It is not legal that the company can charge off the debt sell it to another company and then write it off on their taxes. My payment has been made. In addition it has been 7 years since the last payment, by law it has to be removed.

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