BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/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 an 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 2016-07-06
Company: Keynote Consulting, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. 
On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. 
I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. 
He first refused to allow me to record the conversation for my clarification purposes. 
I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. 
XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. 
Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. 
These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. 
I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. 
I have provided the information to private legal counsel as well to assist with recommended actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
sending me letters saying i owe but account closed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AL
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, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 an 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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 loan with XXXX/XXXX, XXXX/XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX   XXXX ,  2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit

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 2022-05-17
Company: EQUIFAX, INC.
State: CO
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 Account XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: Utah System of Higher Education
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was transferred to a new servicer ( UHEAA ) and the new servicer unilaterally reduced my monthly payment without informing me so that my final pay-off date would be in XXXX ( the pay-off date under the note ), rather than ahead of schedule in XXXX. I have routinely paid more on my loans than the monthly minimum amount so that they will be paid off quicker and I will pay less interest. The result of lowering my monthly payment is that I would pay more interest over 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 explanation
Consumer complaint received 2016-01-08
Company: Nationwide Biweekly Administration, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with Specialized Loan Servicing. I sold my home on XX/XX/2022 which is the same day my electronic payment was sent to pay for the month. I have requested a refund check since XXXX I have not received one. I have called at least 3 times requesting my refund. The last phone call I asked for electronic payment back to my account or overnight it to my new home. I was told they couldn't. They have held my money for 6 weeks. I keep getting promises of checks - I want my refund. It is very easy for Specialized Loan Servicing to collect my mortgage electronically, but they refuse to refund it electronically. Who sends paper checks anymore???

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 2020-08-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally bank ran a promotion where they would pay a bonus of {$250.00} if you deposited {$25000.00} or more by XX/XX/20 and kept it on deposit until XX/XX/20. 
I complied with these terms and they are now refusing to pay the {$250.00} bonus to me. 
Thats not right

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 2022-05-17
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi All, My Name is XXXX XXXX. 
Mortgage Company : - NJ Lenders Corp XXXX XXXX XXXX XXXX XXXX I am planning to buy the new home in XXXX XXXX XXXX 
I had the contract with seller and initially closing date was mid XXXX. ( Now is changed to XXXX XXXX or before that ). 

I started to search Mortgage company for Home loan and and find NJ Lenders as Mortgage for same in XXXX and XX/XX/2022. 

As closing was in XXXX so we discussed in XXXX and locked the interest for 3.875, agent confirmed on email and after few days he changed his words and changed interest rate to 4.25, still I was ok and signed the documents.

On paper interest rate 4.25 expiration date was XXXX XXXX Then we email NJ Lenders loan officer and informed our closing is in XXXX, may be this date will be a problem. 

Then on email he confirmed that we will get 30 days extension on top of the XXXX XXXX, means ideally we should get XXXX XXXX as extension for 4.25 interest rate. 

Then after few days we discussed with buyer and confirmed closing date as XXXX XXXX to load officer and he confirmed lock is extended in email, and we requested him to update same on documents, in email he mentioned its not needed., We trusted on them. 

After 2 days only we called NJ Lenders and told them we are ready to close on XXXX XXXX so we can able to get extension lock time frame, then officer on call suggested we can close on XXXX XXXX and we will get same interest rate. 

Then for 2 weeks I was trying to follow up with them on under writing and all process, they only said its in progress and today on XXXX XXXX they send new documents with new interest rate as 5.125, this is totally cheating, we trusted on them and not did any other loan shopping. 

Now we sent email to them and they said if close before XXXX XXXX then only we will get 4.25 interest rate. But as per last signed documents and email communication from NJ lenders 4.25 its extended still XXXX XXXX ( in email he confirmed lock is extended ). 

We need government help to resolve this problem. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has not been helpful when it comes to me making my payments. I make my payments in person at a local office. It takes a long time for them to process payments and they hold me accountable for paying late fees I should not be paying. I met with a Housing Counselor who has assisted me in my attempts to bring my account current. Last time we spoke with Ocwen they provided the amount due to bring the account current. We sent in that exact amount split into different checks because I had gotten assistance from different sources. They sent one back stating it was not the full amount due, well neither was the other half they accepted. Their customer service will just read the notes to you, and not look or even try in anyway to assist. This has been taking so many hours and I am still not able to resolve the issue yet. It all started on XXXX/XXXX/2015. They sent my payment XXXX years ago they claim, I have not gotten anything back yet. They told me to just re-send it, I see this so pointless. They have added a late fee once again, they should be responsible for not processing the payment correctly, and somehow it ends up being my fault. They have not even offered any type of assistance to me. I have XXXX, and have been having XXXX. When I reached out to them, and explained my hardship they simply said ... .. " This is the amount that is due on your account, do you think you can pay today? ". When Ocwen says, " Helping customers is what we do '' I feel like its a straight lie! Even if they do n't help me, can they just simply do their job right?

Company response to consumer: Closed
Consumer complaint received 2016-08-29
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IA
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX, XXXX Account number : XXXX, USDOE/XXXX  Account number : XXXX, USDOE/XXXX  Account number : XXXX, XXXX  Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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 explanation