BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX XXXX XXXX was repossessed in XXXX after missing one payment. While on the phone to negotiate payment with the representative, they dispatched someone out and had my car towed, while at work, and on the phone to set up payment arrangement dates to get caught back up. Fast forward to XXXX, I receive a notice to withhold on XX/XX/XXXX. Prior to this, I hadn't received any communication about this debt. The amount owing is roughly 28K. After pulling the court documents, the original balance was around 7K owing, and the original judgement was entered on XX/XX/XXXX. I don't recall receiving anything about this. I also noticed on the proof of service, the address was spelled incorrectly. There are no documents before XXXX that I could view, so I had to order them. However, according to self-help civil suit division of the court, a trial and all that took place to make this official. I have moved around, have had different jobs and nothing has come up regarding this, up to the latest action of having my wages garnished until after the fact. I was directed to this website because this company had a class action lawsuit against them where they lost for unlawful possessions and unfair debt collection practices. Something needs to be done about the {$500.00} that is coming out of this check, and will be every two weeks. And their legal department is past the point of any communication, even though there were no efforts to communicate with me, assuming they were pulling my credit report to find out where I worked and lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-01-08
Company: Orion Capital Solutions LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX with Orion Capital Solutions contacted my husband multiple times regarding a loan from XXXX XXXX that is in my name and threatened to sue him over my debt. The loan was taken out in my name only, no cosigner and we don't share bank accounts etc ... My husband politely told him that he did not believe he could do that, and XXXX told my husband that he was wrong and if it wasn't paid within a few days, the were going to come after him. He called me today, stating that he talked to my husband yesterday and that since I did not contact him immediately, they were going to move forward and take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Currently, my XXXX credit card is no longer reporting on my Equifax credit report. I have been an authorized user for this credit card since XXXX. XXXX has confirmed ( see attached ) that it is currently reporting the data from the account holder as well as my information to all XXXX credit bureaus. Attached is a letter from XXXX confirming this information along with a current statement. In addition, I 've also included an Equifax credit report dated XXXX displaying the account previously reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This evening ( XXXX/XXXX/15 ) I accessed www.annualcreditreport.com and ordered my annual free credit report from Equifax. But the site displayed only the Credit Summary ( no details on accounts ), and when I clicked the " Save as PDF '' option, the site cut me off with a screen saying " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. Request by mail. '' I 'm sure if I mail in the request, Equifax will claim they do n't owe me a free report because they " already gave it to me '' by showing the Summary on the screen. I protest this unfair deprivation of file disclosure. I have a right to my whole report. Please insist that Equifax mail my whole report to me immediately at the address in my credit report. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Georgia State Tax Lien was placed on my Equifax credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Equifax but the refuse to remove the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERICAN PACIFIC MORTGAGE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in XXXX and the old mortgage servicer has not refunded my Escrow balance. 

I've contacted them over a dozen times and each time they claim checks have been mailed, but I've received only two letters from them : An escrow summary ( with no check ) in XXXX and an acknowledgement of a request for investigation on XX/XX/20. If they can send me these letters, I don't understand why a check would not reach me if it had indeed been sent so many times.

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 2022-10-12
Company: WELLS FARGO & COMPANY
State: OR
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 went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/XXXX XXXX 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 2020-03-16
Company: DISCOVER BANK
State: GA
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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
So I filled a complaint XX/XX/2022 On Equifax on how they did not do a proper re-investigation since they didnt do the job the first time explaining to them all accounts were still incorrect complaint number XXXX ( filed with CFPB ) they then send me in the mail that they cant verify me and need more information on XX/XX/2022 but yet they had my information when I sent it in, thats how they did the false INVESTIGATION THEY CLAIM THEY DID!. This is very unprofessional on their behalf they need to respond to my CFPB complaint and delete the accounts I am a living person protected with federal rights that they have violated this is my second complaint with CFPB now. Date XX/XX/2022 and I was a victim/Affected due to equifax data breach as well with proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Client Services, 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 account reported written off as bad debt was fully settled with CLIENT SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Sunlight Financial LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
To whom it may concern, On XX/XX/2022 we signed a contract with XXXX XXXX XXXX XXXX and Sunlight Financial to install a new roof and solar with battery back up on our home. It has taken till XXXX XXXX to have the system installed and running and still not sure it is working properly due to the workmanship of XXXX XXXX. We were promised a reimbursement by XXXX XXXX for the months not operational and a rebate for {$4900.00}. Also we were promised a warranty. Now XXXX XXXX has closed their doors and are filing for bankruptcy and I am suppose to pay on a loan with Sunlight Financial for equipment that is not fully serviceable and no warranty with no recourse. Sunlight Financial has also put a lien on my home even though I have been making timely payments of {$410.00} a month for equipment that is inoperable. The loan is for {$69000.00}. I was pressured into this loan by the salesperson saying I would save {$12000.00} if I took a loan. I did not receive any savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Consumer Adjustment Company Incorporated
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried disputing this charge because I have no knowledge of this bill whatsoever. The company name is CONSUMER ADJUSTMENT CO. Saying that I owe almost {$2000.00} and won't take it off my credit report. There contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I've tried calling and no one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting a XXXX XXXX account that is not mine. I called XXXX XXXX and they can not bring up any account matching the one at Transunion under my SSN. XXXX XXXX says that Transunion has to remove it - Transunion does nothing despite my requesting twice to remove it in XXXX and in XX/XX/XXXX. Account showing on XXXX ends XXXX, opened XXXX and closed 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 non-monetary relief
Consumer complaint received 2016-01-02
Company: CORELOGIC INC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, On the date of XX/XX/2021 I XXXX XXXX XXXX am submitting this complaint because commerce bank has taken my stimulus money. The amount of XXXX was taken from me to balance the overdraft fees of XXXX leaving XXXX cent in my account during this time I had submitted a complaint in reference to overdraft fees this is a new and completely separate complaint and it's illegal for commerce bank to take my stimulus money in this situation they should have rejected the payment and the government would have sent me a official check. Now I will get legal services involved free of charge though the CFPB information hotline, veteran affairs, or other means to obtain this money if commerce bank refuses to comply with the complaint resolution I will state in the complaint process. 

Very respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have a mortgage with PNC bank. I also have the property in land trust. Land trust was opened at the same time the mortgage account was opened with the bank 's agreement. I 'm trying to refinance the mortgage, and everything has been approved. I have to remove the property from the trust before I can refinance. I need PNC bank to sign direction to convey as Collateral Assignee to be able to remove the property form the trust ( this is a standard procedure ). PNC is refusing to do it. It 's been 3 weeks already trying to explain to them why this is needed. I have explained, my mortgage processor, the title company representative and nothing has worked. I was told by the bank that they are wasting their time with me for nothing, because i 'm trying to leave their bank. They are holding me a hostage to their service. I ca n't leave them, because they are not letting me. I need help, please. I 'm talking to one person at the escalation team and it seems like he has no idea what I 'm talking about, he is just a middle man that pushes cases and has no idea how to explain it to the proper people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently filed a complaint regarding this account and received a letter in the mail from the debt collector asking me to fill out this affidavit. Please find the attached affidavits for accounts XXXX and XXXX. I did not open these accounts nor did I approve of them being opened. Attached to this complaint is the paperwork from the debt collector, the FTC affidavit of identity theft and a copy of my photo ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are wanting to purchase a mobile home and after trying to fill out the in-house lender through the mobile home park, it prompt me to this page " unfortunately, we do not have a lender that match your needs, etc '' then I picked the Quicken loan " see weblink '' XXXXThen I had applied through Quicken Loan and wrote both my SSN and my spouse. To my surprised, it gave me an error and never received a result. An agent phoned me right away and explained that Quicken Loan never process any mobile home loans and tried to convince me to get a single family home loan. I said NO and they should have never advertised from the mobile home site to begin with. I am a XXXX in the state of XXXX but currently working as an apartment locator. You can say I am very naive about the mobile home buying, but this company put a hard inquiry on my XXXX credit bureau effective today XX/XX/XXXX. This is an unfair practice and obviously I was a victim of a " bait n switch '' type of advertisement. Please help me remove this hard inquiry off my credit because we are trying our best to buy our cheap permanent home. This hard inquiry will definitely affect any future purchase. Here is the Quicken Loan informationEMS QUICKENXX/XX/XXXXXX/XX/XXXXMisc. 
Creditor Contact DetailsQUICKENLOANS/EMSQUICKENXXXX XXXX, XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from all three credit bureau stating that i had a debt with XXXX XXXX  XXXX apartment complex, i have no acknowledgement of this debt, I have never applied or been with this company. Transworld system Inc is collecting for this company. I spoke with them concerning this matter and when they went to verify me the birthday was not the same and also the address they had on file is not mine, that is not my birthday but they used my SS. the full debt is XXXX 
They moved in XX/XX/2021 and moved out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JMS Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief