BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
mY COMPLAINT IS WITH XXXX XXXX. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Im still trying to figure out the fees charged by this company and how my payments are applied. I was on a payment arrangement to make payment for a pass due amount. an amount that the company was saying was 4 months past due even though I make a payment every month. My car was repossesed even though I had arrangement to make payment. I was quoted an amount that was due to get vehicle back and a total due with repo fees. Once I paid the amount to get vehicle back I was told another amount. They said that they added a " Key Fee '', for a key that I did not receive when I picked up vehicle. I was also told that I had 30 days from the day XXXX picked vehicle up to make a payment, but the scheduled payments, which included the key fee, for today, but told me that I could call back and change to later if needed. I called today and was told no changes and that my vehicle would be repossesed again.

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 2016-01-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted Experian on SEVERAL occasions regarding a legal name change that they refuse to acknowledge and change on my credit file. Their refusal to change my information is preventing me from obtaining credit or health insurance and is ruining my credit score. I have faxed, mailed and certified mailed my name change decree, new social security card and new state ID card photocopies to them. I have reported the change to all active debt collectors and they have still refused to change my information. I have no control over a creditor 's decision to elect to keep pursuing an old debt in my former name. My student loans are the only debt I have and that creditor does not wish to seek my loan debt using my new name. Equifax has an obligation to change my name now that legal documents have been provided and my new name has been reported. To date they still refuse this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/20XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Nationwide Intermediary Services llc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Aargon Agency, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
acct number XXXX i dont live in XXXX XXXX  TGHE ADDRESS FOR THIS DEBT IS XXXX XXXX XXXXXXXX XXXX I NEVER LIVE HERE AT ALL I HAVE BEEN IN XXXX  FOR OVER 10 PLUS YEARS SOMEONE HAS USE MY SSN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XX/XX/XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XX/XX/XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a four way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XX/XX/XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX-XXXX supervisor return call, and still have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I'm writing this complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

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 2016-05-20
Company: Home Loan Center, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Dispute is with LendingTree, an agency who claims to provide you with options to " save '' on your current auto loan. I am very disappointed with the service! Numerous ( separate ) inquiries by their partners were done after accepting their offer to " save ''. I called the different companies who inquired on my credit and was told that the authorization to pull credit was submitted by Lendingtree. I did not authorize for separate inquiries to be done! I called Lendingtree and was expecting for them to be " apologetic '', instead the representative showed no apathy. She mentioned that the disclosure to run numerous inquiries was on the request. I checked the application and the disclosure was very subtle, thus very deceiving. After all this commotion, I did not receive an offer that would actually save me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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:
This is third time Equifax keeps putting in the wrong address on my credit report. I never lived in the XXXX. I filed a complaint on XX/XX/21 with the Consumer Financial Protection Board. Equifax removed the address and then put in back on my credit report. This fraudulent address is being sent from Equifax to other reporting agencies. Can not understand what is the problem with Equifax. How many times do I need to tell them that I NEVER LIVED IN THE XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: First Advantage LNS 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:
I submitted a prior complaint, # XXXX and the response from the debt collector is not correct. I added more information yet you closed the complaint. I want you to follow up with them again with the following : Ask them only for this, a copy of their current contract with the original creditor. That is all I want you to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Heritage Financial Group, 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: Old information reappears or never goes away

Complaint:
The company Heritage Acceptance is a horror movie, the staff there is horrible, bad communication and treat people like XXXX especially the lady name XXXX, they had one name XXXX and she made me cry, I purchased a XXXX XXXX XXXX, my payments were set up for me to pay {$250.00}. Every two weeks, well I was doing okay but then my rent was not being paid in full so I had to pay a little more on the next car payment but I also explained to them that I could not continue to pay every two weeks because I needed to keep a place to stay, Pay my Rent, well that did not sit well with Heritage, I asked them to put me on a monthly plan, they said FLAT OUT NO, NOT UNTIL I GET MY PAYMENTS BACK ON TRACK. Well I continue to pay my carnote, my brother passes away and I had to pay my brother 's funeral expenses, do you know this company told me they needed proof of my brother 's passing so I had to sent a copy of the Obituary, I had a lot going on and yes I was behind on my carnote but I did get it caught up, Anyway on my credit report they are constantly reporting me 20-30-60-90 days late, On top of that the woman XXXX SAID TO ME, THAT I NEVER HAD GOOD CREDIT NOW I WANT HER TO WRITE ME A LETTER FRAUDULENTLY SAY MY CARNOTES ARE UP T0 DATE, SHE SAID BECAUSE YOU ARE IN A BIND YOU WANT A FAVOR, I HAD SPOKE WITH A GENTLEMAN NAME XXXX I WAS NOT ABLE TO PAY $ XXXX.ON XX/XX/XXXX BUT I WOULD HAVE A PAYMENT IN ON TUESDAY XX/XX/XXXX HE SAID THATS FINE SO AGAIN WHEN I SPOKE WITH XXXX AND EXPLAIN THE CONVERSATION I HAD WITH XXXX SHE SAID I DON'T CARE WHAT YOU AND HIM TALKED ABOUT YOU SAID THAT YOU WERE GOING TO {$500.00} INSTEAD YOU ONLY PAID {$250.00}, ANYWAY I WANT THIS COMPANY OFF MY CREDIT REPORT NOW, NOBODY IS EXCEPTING THIS WHEN I APPLY FOR AN APARTMENT OR EVEN BUYING A HOUSE. PLEASE HELP ME THIS HAS BEEN GOING ON SINCE XXXX AND IT IS XXXX. I NEED TO MOVE FORWARD WITH MY LIFE, MY LANDLORD IS SELLING THE PLACE I LIVE IN AND WANT HIS PLACE BY THE XXXX OF XXXX, I NEED TO GET ME A PLACE TO STAY, PLEASE PLEASE HELP ME, THIS COMPANY IS DESTROYING MY LIFE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX charged my husbands checking account after being told he passed. They charged his account 3 times and charged me charge back fees for this. Next they never informed me that the insurance company canceled the policy instead sent emails to my dead husbands email account now they are charging me XXXX dollars for 30 days of no insurance. Finally I am trying to assume the loan and they refuse to work with my attorney or I Or give me call back to work with us to assume the loan. They told my attorney that I assume with will take 9-12 months or surrender my house immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 6 debit cards linked to 6 different Charles Schwab bank high yield investor checking accounts. I never opened any such accounts, in fact, I have no accounts with charles schwab. I called the company and they have put a fraud alert on the accounts but they recommended that reach out to this agency. 
The rep was unable to give any details, not the date account was opened or the contact details used for the transaction. 
I recently unfroze by credit about 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Amsher Collection Services, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX for 2 data lines. I had canceled the lines due to lack of use. XXXX XXXX agreed and credited back my last bill due to no usage. They then billed me for 2 more months after cancelation. 

They have since turned it over to XXXX a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and one and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
Factual Data accessed my credit report without permissible purpose ( section 604 ), without my permission and then claimed the report was accessed for one of their clients. Factual Data then informed me I needed to contact their client company to have Factual Data removed from my credit report even though Factual Data is  listed as the one making inquiry???????? And now two companies have my personal info??????? This is so wrong per many sections of the FCRA!!! Are we becoming a third world country?

Company response to consumer: Closed with explanation