BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a letter and on XXXX XXXX I guess the XXXX XXXX left it on my door.I do n't have a job to make payments or do payment arrangements to send on this Credit Card and it s a old bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am one payment behind as a result of my wife losing her job. I explained this and submitted a request to have the single payment added back on to the end of the loan for two reasons : 1. I can re-enable auto-payments so that I wo n't miss or be late on any payments moving forward. 2. I 'll stop being charged $ XXXX/mo in late fees. The bank offered to let me pay the additional payment over 2 months, which was essentially a denial of the request, since I ca n't do that. I 've just had another late payment, because I was travelling for work without consistent access to the internet, and I could n't schedule the payment to be made. If I had been able to set up auto-pay, the payment would have been made on time, but the bank is essentially preventing me from doing so. This is remarkably frustrating, since it is impacting my credit. I also asked the bank to stop calling, and they continue to do so multiple times per day, even after I explained the situation and requested help. Thank you for reviewing the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Professional Recovery Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This agency is attempting to collect on 2 different medical debts that i have no knowledge of and never received written notice prior to them placing invalid and derogatory information on, my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS 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 2022-06-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to. 

I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know. 

Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update.

Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: GA
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 Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct 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 non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: MO
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 noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from XXXX, Equifax, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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:
My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: OneMain Finance Corporation
State: IN
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:
XX/XX/XXXX and XX/XX/XXXX is reported a inquiry on my credit from One Main I did not apply for a Personal loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2020-01-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I refinanced my VA home mortgage with XXXX XXXX XXXX XXXX in the amount of {$220000.00} with a monthly payment of {$1000.00}. ( See enclosure BBB_ Complaint Case ID # XXXX ). This mortgage was subsequently purchased by Freedom Mortgage Company. As you can see from XXXX I have been paying {$1400.00} every month on time. Then in XX/XX/XXXX my payment was raised to {$2200.00} ( See XXXX ). I contacted Freedom Mortgage and they told me the increase was caused by a mistake at the XX/XX/XXXX settlement on the amount of property taxes and that they were going to spread the " arrears '' out. A new payment in the amount of {$1900.00} ( See XXXX ). I filed a complaint with the Better Business Bureau and Vice President XXXX XXXX XXXX confirmed the increase was due to a mistake at settlement. ( See BBB_ Complaint Case ID # XXXX ) Therefore due to a mistake at settlement and that mistake not being caught by XXXX or Freedom Mortgage, my monthly payment has increased by {$480.00}. I feel this is either incompetency or the part of XXXX mortgage companies or a predatory loan I never would have agreed to in 2015

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 2022-02-20
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the date XX/XX/2021, I did a consumer credit transaction with XXXX, XXXX online dealership and extended my credit with a finance charge through Bridgecrest. 
I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. 
Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. 
Mind you the finance charge is a total of {$13000.00} exact but this dealership and Financial Institution gave me a total sale price of XXXX ( see attachment Retail Installment and Security Agreement ) That is a total of {$21000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a/5 ) ( see attachment page 2 ). Under the Sub chapter of the TILA Section 1026.5 ( b ) Time of Disclosures. There is no 21 day notification of statements nor grace period established. I was told to screen shot the ledger for the account online and was refused validation of documents in writing for the ledger. 
Sadly this is fraud so this contract is now void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-07-20
Company: Credit Protection Association, L.P.
State: AZ
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:
Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX  XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX  XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX  XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX  XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX I view a copy of my TransUnion report and noticed an unverified collection account from XXXX XXXX XXXX. I have previously disputed this account with TransUnion requesting verification. I have also contacted XXXX XXXX XXXX using the information provided to me from TransUnion and was unable to Verify this collection account ( see attachment ). I do not owe a {$400.00} unpaid balance with XXXX XXXX XXXX or XXXX. Per the FCRA unverified is not allowed to be reported on my credit 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 2022-06-15
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing this letter because I noticed that my credit report contains late payments reported on ( XXXX XXXX XXXX XXXX for my SELF/LEAD BANK Account, I want you to know that I understand my financial obligations, and if it werent for the pandemic of covid-19 and the loss of my grandmother through the virus, Id have an excellent repayment record. I made a mistake in falling behind, but before then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Freedom Mortgage Company
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. 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