BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: CO
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 a collection on my credit report for a {$XXXX} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX group. I came to a settlement agreement with XXXX to pay {$XXXX} of the {$XXXX} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$XXXX} balance. Experian responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX XXXX XXXX Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The XXXX XXXX Department informed me that there is no contract. During my phone call with XXXX XXXX I found out that that XXXXt did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$XXXX} of the original debt was to be credited to me as a balance of {$XXXX} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$XXXX}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

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 2015-07-06
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Upon the end of my lease and moving out of XXXX in XX/XX/XXXX, I did not receive a refund, partial refund, or any written correspondence/explanation from the complex management or their management company, XXXX XXXX XXXX within the 30 days after vacating the property as required by law. Therefore, I never had an opportunity to offer any remedies to anything they determined deficient. 

However, on XX/XX/XXXX, I received a letter from United Accounts, a credit collection agency ( see attached ) with regards to their client, XXXX. Based on North Dakota Statue 47-16-07.01 requires a written itemization of and explanation of any portion of a security deposit not paid to the lessee within 30 days of termination of the lease. Based on this, I do not believe XXXX and XXXX XXXX XXXX XXXX XXXX followed the law with regards to security deposit limitations and requirements as I never received any written communications from the apartment management. 

Furthermore, United Accounts reported a " debt '' to the credit bureaus. I mailed a dispute to United Accounts via certified mail on XX/XX/XXXX. Attached is my dispute letter and confirmation of delivery which is within the 30 days of United Accounts original letter. 

Attached is my letter to the North Dakota State Attorney General and the response from their office. 

I continue to receive letters from United Accounts demanding payment in full. ( Attached ) I am requesting that United Accounts remove this from all credit reports immediately and this matter be closed by XXXX, XXXX XXXX XXXX XXXX XXXX, and United Accounts.

Company response to consumer: Closed
Consumer complaint received 2022-08-25
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:
Experian is reporting someone else 's Bankruptcies and accounts included in the bankruptcy on my credit report. This is fraud and defamation of character.

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 2016-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: WELLS FARGO & COMPANY
State: GA
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:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. Wells Fargo, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 noticed that I have a fraudulent collection account for {$630.00}, I NEVER open this account or never authorize this, I called the bank that issue this card XXXX  XXXX XXXX XXXX and they told me that I have to call collection company ( MIDLAND CREDIT MANAGEMENT ) I did call on XXXX and spoke with XXXX XXXX to XXXX, and they said that they are already working to fix this discrepancy, I open a dispute with XXXX  but they haven't give me a solution for this fraudulent account, I need a investigation and what ever comes as a report i please will need a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Residential Mortgage Services Holdings, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Residential Mortgage Services ( RMS ) provided predatory lending : the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. I had a credit score of over 750, income of over {$65000.00}, no current debt, good work history, and over 20 % down payment in cash. The branch manager failed to educate and purposely provided selective information about FHA and Conventional loan. He explained the Conventional loan as " no good '' and referred to it as the " XXXX '' loan who only benefits " white people ''. The FHA loan was explained as the " Obama '' loan and the only loan that I would be able to qualify for. He intentionally and purposely informed me of information to force me to obtain a FHA loan. False information was provided to me. For example, I was informed by him that the only way to eliminate a PMI was to provide a 20 % down payment which is incorrect. After gathering further information, I created a chart flow that presented the amount of money I would be required to pay over the life of the loan for both the FHA and Conventional loan. It clearly demonstrated that thousands of dollars would be saved with a Conventional loan. This goes to show that obtaining the FHA loan is beneficial to RMS than it is to the borrower. All information gathered as well as the chart flow was brought to the branch manager 's attention where he admitted that it is accurate and that he failed to provide us with this information which resulted in us choosing the FHA instead of Conventional loan. He stated he was " sorry '' but being that it is the day before closing we had to proceed with the FHA loan. Prior to this meeting the day before closing, I tried numerous times to contact the office by email and phone but was ignored. The office purposely ignored us to by time and to prevent us from switching to the Conventional loan. The branch manager also forced us to use a particular lawyer and even credited us money towards closing to use her. The day of closing the lawyer forced us to sign all paperwork all while only one owner was listed on the title. The branch manager knew to include both names to the title and ensured us it would be done yet only one name listed at time of closing. The lawyer stated that lenders do not recomend quick claim deeds but that is how she will add the second name to title. The branch manager was contacted numerous times by all parties at the time of closing and failed to respond. He responded 4 days after closing. 

Please see attached of a previous customers experience at RMS : http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TX
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 everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 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 explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: TX
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 everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Account information incorrect

Complaint:
Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.

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 2022-09-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an American Express card, setup with Online Banking. Online Banking contains information associated with XXXX of my checking accounts housed at XXXX separate banks although the account is setup for auto-debit for the monthly balance in full payments. 
AmEx has a product call Send & Split with XXXX. I do not know exactly how this product works nor have I ever set it up for my card. 
This complaint is unusual because it doesn't have to do with a charge to the credit card but with payments to the credit card. Also concerning is the lack of consumer protection when it comes to fraudulent online access. 
On XX/XX/XXXX I recvd a call from AmEx XXXX XXXX XXXX questioning an attempt to send {$2000.00} to XXXX. I advised them I had not authorized nor had I initiated this. Determining it was fraudulent, AmEx shutdown my credit card, requested a new card, and sent me a temporary password in order for me to reset my online password. Prior to the {$2000.00} transfer attempt, there were XXXX payments to the AmEx card initiated via XXXX Banking. {$4000.00} from my XXXX Bank account and {$4300.00} from my XXXX account. This would have eliminated my AmEx balance but it also caused my checking accounts to become overdrawn. On this same phone call I was transferred to customer service in order to discuss the return of the {$8300.00} to my checking accounts. I was advised by AmEx customer service that until I receive my new card and give them the XXXX digit code on the back, this could not be done. The card is not due to be received until XX/XX/XXXX... XXXX days from the day of the phone call!! 
On XX/XX/XXXX I received an email from AmEx that my Online access was suspended due to excessive unsuccessful attempts. I phoned AmEx and was directed to the ID protection team. I was disconnected. I phoned back XXXX more times. After the XXXX attempt I successfully discussed the issue. The representative stated they could not review my online account activity until I receive my replacement card and give him the XXXX digits on the back! We discussed how my online account could be breached. He stated when someone has all the card info they can access the AmEx website, get the User ID and then reset the password. I'm shocked! No additional authentification measures? 
So here I sit, embarrassed with overdrawn checking accounts, no ability to access cash via ATM, and absolutely no attempt on AmEx 's part to resolve the issue. AmEx essentially stole money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. 
I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: MI
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 I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-03-11
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We continue to receive phone calls at home looking for " XXXX XXXX '' and " XXXX XXXX '' - often the debt collectors will not reveal whom they are working for or where they have obtained this information. 

Today I was able to ascertain, after calling back and speaking with a supervisor that Harley Davidson Financial Services had obtained this information via XXXX. We are on the federal do not call list and do not wish to be contacted As these parties are unrelated to us we consider these calls to be harassment. I was troubled by the tactics used by the collector who would first not identify which company she was calling from ( simply that she was " XXXX '' ) until asked, nor was she willing to release information regarding the incorrect data including the source, she simply hung up when questioned about why she contacted us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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 2018-05-30
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Two to three weeks ago, I tried to have a freeze on my credit lifted from all three credit bureaus. I dont remember which one it was exactly. I contacted either Equifax or XXXX I was declined from speaking to someone because they said they couldn't verify my identity. I think they have the wrong address on my person. From either Equifax or XXXX, I was instructed to send a letter containing my name, soc. Security number, date of birth, two documents verifying my identity, signature and intention I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received one letter from XXXX, I think.it was my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH

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 2022-09-18
Company: EQUIFAX, INC.
State: TX
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 everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.

Company response to consumer: Closed with explanation