BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: AZ
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: Didn't receive services that were advertised

Complaint:
It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan has an impound account and the servicer is responsible for paying taxes and insurance. However, the insuree ( XXXX XXXX XXXX ) has not received the insurance payment and hence canceled the insurance policy for the property. 

I have tried multiple attempts to try to resolve this between Specialized Loan Servicing and XXXX XXXX. No action has been taken to remediate the issue.

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 2015-12-04
Company: HW Holding, Inc
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Braviant Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom this may Concern, I am writing in to file a formal complaint against XXXX XXXX XXXX. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Williams & Fudge, Inc
State: IL
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 have an outstanding balance with my School University of XXXX  XXXX XXXX. They sent my account to the collections agency William and Fudge. I called the agency PRIOR to my account reporting negatively to the credit bureaus. I was informed by me setting up this payment arrangement, that it would not report. However, here we are weeks later, I have been making consistent payments and in the middle of trying to buy a home, my credit has been DEDUCTED XXXX points because of this. This is very upsetting, I tried to discuss this with the collection agency, but received many vague answers. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/2020 my husband and I applied for a personal loan with Lending Club, and we were approved. The next day, we decided we didn't want the Lending Club loan because we got a much better rate with a different company. I notified Lending Club on the phone and via email that I didn't want the loan and to cancel it. Well, they went ahead and deposited the loan proceeds into my checking account anyway, and then they withdrew the proceeds on or about XX/XX/2020. Lending Club confirmed via email that they were cancelling the loan and that it would take a " few days. '' In the meantime, Lending Club proceeded to harass me with phone calls and letters regarding making a payment on this loan, and they reported the loan account to the credit bureaus for my husband and me, even though we had cancelled the loan. I have made multiple phone calls to the company but they are not fixing this problem, and it just gets worse each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be 100 % accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be 100 % accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2 it also states 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 non-monetary relief
Consumer complaint received 2020-01-21
Company: NOTE SERVICING CENTER, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments due to XXXX XXXX   placing a collateral loan on my truck for insurance. At the same time extra payments was being made to XXXX XXXX my job cut hours down by 10 hours weekly. I received mortgage statements from Note Servicing  account number XXXX asking for {$1200.00} to cover my XXXX XXXX and XXXX payments. I mailed {$1200.00} before the end of XXXX to cover the past due payments. Note Servicing even sent me an email asking for my payments to come directly out of my bank account. On XX/XX/XXXX I received a check from Note Servicing stating my money was being returned being returned because it wasnt enough to reinstate my mortgage. Today I called Note Servicing to find out why the payment was refused and was told the payment arrived XX/XX/XXXX and I had to include XXXX payment in for a total of {$1600.00} in order to bring the account current. I told the representative I would pay it on Friday and she said she would notate the file. 5 minutes later she called back and said the mortgage owner XXXX XXXX wanted the full mortgage balance of {$14000.00}! Stating he has the right to initiate foreclosure process on my home! My home was purchased by XXXX XXXX and XXXX XXXX  at {$20000.00}. The property value went up to {$120000.00} so I believe he and his company are trying to push me out of my home to sell it for a profit. I feel this practice is inhumane especially sinceI had the payment sent out to make me current. I wasnt offer no payment solution or loan Modification to bring a resolution to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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:
On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX XXXX for a test drive and soft check quote of a XXXX 2020 XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX XXXX. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from XXXX in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX  reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by XXXX. As it was now Saturday at XXXX XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with XXXX, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''

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 2016-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: National Credit Adjusters, LLC
State: IL
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:
XXXX continues to inaccurately report an account from National Credit Adjusters. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( National Credit Adjusters ) re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of XXXX and National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the afternoon of XX/XX/XXXX, I found that my Citibank mobile APP showed that my checking account and savings account balance was XXXX yuan. I thought it was a problem with the app system. The balance is XXXX yuan. I remember that my account should have more than XXXX US dollars, but the bank has already closed. Because I can't speak XXXX and didn't call the customer service number, it was around XXXX in the morning. XXXX XXXX and XXXX dollars in a savings account of XXXX XXXX and XXXX dollars and after the account was closed, I went to the bank to find a staff member to call a customer service phone, but I was evasive and it has been 17 days and still no answer...

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 monetary relief
Consumer complaint received 2016-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I had a student loan with Chase back in 2006. At the time I was going through financial difficulties and did not pay. Because of that, my student loan went into default. I have since applied for a mortgage and was told this loan had to be resolved in order to go forward in the pre approval process. I have spent the past month calling numbers, leaving voice mails, getting passed back and forth and still have not been able to talk to someone to help resolve this loan. Chase tells me all private student loans were sent to XXXX and XXXX is telling me they were never/do not have my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
XX/XX/2020 I notified Wells Fargo that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, Wells Fargo accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted Wells Fargo to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way Wells Fargo reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report.

I have contacted Wells Fargo who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because 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