BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. <P/>I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. <P/>This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. <P/>I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/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 2022-02-23
Company: ACIMA CREDIT, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company charges you taxes on the loan payments. This is in addition to the taxes paid on the original merchandise order the loan was for. They also do not charge you on the days you input for payments, resulting in insufficient fund charges and late fees. Went to pay it off. The balance went from {$530.00} to {$1000.00} in a week. This is outrageous. And the tax on a payment of {$600.00} was {$51.00}. This was almost double what the tax was on the original order alone. The XXXX XXXX XXXX make it sound like the tax is ONLY on the merchandise order. Not each loan payment. They are very predatory! They also do not answer the calls or chats. Chats will say they are closed and goodbye and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-11-25
Company: Experian Information Solutions Inc.
State: IL
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 noticed that my U.S Dept of education loans are not updated. That loan was closed with XXXX balance as the other bureaus have updated there system. Experian is the only Bureau with a balance for that account as the system has not yet updated.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX at XXXX Account # XXXX, XXXX XXXX XXXX # xxxx has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-20
Company: EQUIFAX, INC.
State: DC
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:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Payward Ventures Inc. dba Kraken
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX of Bitcoin Scammers and Crypto Ideology ( the Fraudsters or Scammer ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of yours, owner of a wallet committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX6 BTC utilizing Kraken services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
I refinanced my mortgage loan from XXXX XXXX XXXX in Illinois to XXXX  XXXX XXXX of Colorado ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to XXXX XXXX  XXXX  IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. XXXX IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with XXXX IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.

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 2021-11-26
Company: Experian Information Solutions Inc.
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 received notice from credit monitoring service that hard inquiry was placed on my account for Application for credit card with XXXX XXXX. I did not authorize or no anything about this. It is fraudulent and I want who ever did this caught and my credit report repaired.

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 2021-03-24
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loan process was delayed and the processor lied saying they were on top of things. I have emails of them saying something was going to happen but did not on multiple occasions. We received a 30 late on a 2nd mortgage that should have been paid off in a timely manner. I called them to ask to investigate about 2months ago and they said I would have an answer in 3 weeks. Never heard back from them on this matter. This seems to be an ongoing problem and I still have bad credit due to their lack of follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department Now submitting cfpb complaint on XX/XX/22 XX/XX/22 Received email from XXXX XXXX ( XXXX ). Attached was 3 pdf letters standing they sent a request to XXXX XXXX, XXXX to delete the accounts from my credit report. 

He did not address my monetary relief of {$4000.00} for non compliance of the FDCPA. Submiting to credit reporting agencies to delete accounts are a action form for admission of guilt. 

Now waiting for my check. 

Attached will be my letter and the 3 pdfs

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 2020-01-15
Company: Experian Information Solutions Inc.
State: CA
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've recently checked my credit report with Experian, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and XXXX XXXX / XXXX account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But Experian reinserted the fraudulent XXXX account back to my credit report without sending me any note or letter.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX account opened on XXXX after I placed a fraud alert on XXXX XXXX balance I dont have a car financed and I live in TX

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 2016-02-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bayview loan servicing sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at Bayview who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a federal express pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was XXXX certified letter and XXXX in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. Bayview is either confused our incompetent either way I think my XXXX year old mother with stage XXXX XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by Bayview and filled out and sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against BSI Financial Services. XXXX XXXX XXXX XXXX, XXXX, PA XXXX We are currently in an active bankruptcy. We received a notice from the BSI Finanial company stating we are in foreclosure and they are no longer excepting payments from us. I called BSI and spoke to a Mrs. XXXX who stated they had been granted a stay of relief and are foreclosing on out property back in XXXX. She refused to provide any documentation to us or our attorney. I contacted my attorney and he stated there is no stay of relief approved by the courts and continue to make our monthly payments. We sent in our XXXX and XXXX payments, both checks have been voided and returned stating we are in foreclosure. 

Today XX/XX/20 I spoke with a XXXX at BSI Financial who continued to state we are in foreclosure and they have been granted a stay, through the courts .Once I pressed her to provide the legal documentation in regards to the stay of relief to myself and my attorney she back tracked and stated that the had not been granted a stay as of yet. I informed her that BSI has been violating the law by using false information and misrepresenting the situation to illegally bully us into a foreclosure during an active bankruptcy. At no point have we sent in a late payment to this company. In no way have we violated our end of this contract. I attached all documentation we have received from BSI. 

-Voicemails are not returned, once get in contact with the person handling your account they state they are looking into it and never get back to you. 
-BSI cashed and processing all checks received, often times 2 months after they were sent. They also stated they did not receive a payment even though I provided tracking information from XXXX stating they received the payment. They also refused auto pay for our account. So we had to continue to send in checks with no statements taking up to 2 weeks to process. 
-Refusing to provide monthly statements, Attorney provided authorization 5 times to send statements directly to our address. 
-Not disbursing escrow payments to homeowners insurance on time. Received cancellation notice for homeowners insurance company. 
-Disbursing property taxes once in delinquent status, request made at 2 different times to disburse tax payment from our escrow account, due in XXXX they were finally paid in XXXX. 
-Receiving collection calls from day one when our loan was sold to them stating we owed back payments for {$17000.00} that were already being paid by our trust as part of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: National Credit Adjusters, LLC
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:
This account appeared on my credit report claiming to be mine, even tho it is in collections, the agency reports it as open and current every month, as if there was some sort of arrangement, which theres not. Ive never received anything from this agency, Ive never opened an account with this agency or whoever they allegedly bought the account from. Ive asked for proof or verification that this account belongs to me and theyve only provided an alleged contract with my name on it, but not my physical signature, not my identification. Ive already disputed this as identity theft. This account does not meet FCRA requirements, since this agency is falsely reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act the companies has violated my rights. 
154 USC 1681 Section 602 States I have the right t 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 response to consumer: Closed with explanation