BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 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 2020-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
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 is missing that should be on the report

Complaint:
Transunion credit bureau has my credit score way off. 
I have a auto loan through XXXX XXXX which I pay monthly and it is not listed on my Transunion report.

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 2021-08-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
have received illegal post correspondence from HHRG regarding The Fair Debt Collection Practices Act 15USC 1692 states that the bill has the following listed violations.

15USC1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails 15USC1692D ( 2 ) language the natural consequence of which is to abuse the hearer or reader.

15USC1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges.

15USC1692F ( 7 ) Communicating with a consumer regarding a debt by post card.

15USC1692e ( 2 ) ( a ) the amount of any debt.

15USC1692b ( 2 ) not state that such consumer owes any debt HHRG has not responded to any correspondence since my first certified attempt on the collection of fines.

HHRG XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This complaint is for Ally bank. They have been harassing me and my mother for months. Seemingly by the same lady. She called my mother approximately a week ago from XX/XX/2020 and screamed at her through the phone, threatened her with legal action, yelled at her that she will be sued, and her account, credit and her will be ruined. The same woman called me today ( XX/XX/2020 ), was extremely rude and lied to me telling me that the truck was mine now and that my mother had told her I had the truck, and I was authorized on her account. She threatened me with legal action, threatened my mother again with legal action and said that the company will sue her and that things are going to get worse for her. I do NOT have any legal bind to said vehicle and they DO NOT have any authorization to call me. I've told them time and time again to remove my number and they refuse. My mother has been trying to work with the company since day one, and they refuse, they simply call to yell at her ( and me now ), threaten her and they do not provide any sort of help in the matter/ resolution.

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 2018-12-19
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 is not yours

Complaint:
I keep getting letters from a debt collector by the name of XXXX XXXX ... Something along those lines and they are trying to collect debt that does not belong to me at all. I need this problem resolved and taken off. It's showing that i owe around {$6000.00} to them in three separate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Tona Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I went under contract for a home with Hometown Equity Mortgage , LLC dba the lender XX/XX/XXXX where I received a loan estimate for a {$290000.00} home at a 6.75 % interest rate including all closing costs rolled into the loan and down payment assistance with a prospective close date of XX/XX/XXXX. Due to a delay for an appraisal, we had to extend the contract until XX/XX/XXXX. I then received a loan estimate on XX/XX/XXXX of a 6.5 % interest rate with closings costs of {$22000.00} and down payment assistance. Apparently this occurred because the loan officer XXXX XXXX did not lock in my rate, for this she was supposedly fired but the lender still couldnt help me. Being that was not offered and closing day was near, my realtor and broker offered concessions to still obtain the deal. By XX/XX/XXXX, I was now receiving an estimate with a 6.25 % interest rate {$30000.00} in closing costs and excluding down payment assistance. I was told that I no longer qualified for down payment assistance and they do not know why nor am I allowed to use my earnest money or the offered concessions towards my down payment. I received 4 loan estimates all increasing every time I received a new one, although, I was finding solutions the lender continued to change the answers and/or reasonings every 2-3 business days asking for more money. It is now XX/XX/XXXX and we have extended the closing date two times for me to receive the answer that I must come up with 3.5 % of my loan excluding my earnest money and {$1300.00} that was spent for an appraisal. Behind that my lease expired XXXX, I am now XXXX XXXX and lost all of my fundings towards my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

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 2021-08-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX did not address that when they took over the account from Navinet they added {$74000.00} to the amount Navinet had as last balance ( {$86000.00} + {$65000.00} on XX/XX/XXXX ) and they also did not address that they have charged interest on the subsidized loan. In fact its not clear if the consolidation ever kept the subsidized portion as subsidized in the first place. I was on XXXX and signed to have the loans consolidated and both these companies put massive amounts on top of my loan. At the time I was very ill and put on SSD ( XXXX from XXXX to XXXX ). I was given option to consolidate to give more time and didn't realize the amounts were so much more then I actually borrowed due to exurbanite fees put on by consolidation. The full transaction histories are included as attachments here. While I was on XXXX the only relief they offered was to give forbearance and deferments although I have learned that during the time I was XXXX I could have had these loans forgiven. Navinet also put {$26000.00} onto the total when they consolidated the disbursements which totaled {$120000.00} on XX/XX/XXXX. Navinet is unresponsive as they no longer hold the loans and just send me the same information I already have from the federal student loan site. I still do not see how my totals legitimately increased by a fee of {$26000.00} when consolidating with Navinet  from the {$120000.00} ( XX/XX/XXXX ) owed in individual loans and then again another {$74000.00} when consolidated from Navinet to XXXX from {$150000.00} ( {$86000.00} + {$65000.00} ) to {$220000.00} XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX experian reinserted a account on my credit report that was perviously deleted and blocked due to my credit being used fraudulent. They blocked the account for several months just to reinsert the same account with out sending any varification to me. They also are in violation of the fcra section 609 and section 611 that says they have to give a five day notice before a previous account blocked from a police report can be reinserted. The XXXX XXXX account that was placed back on my credit is a prime example of the credit bureau lack of ability to follow the law. And under the the court of law I will go under oath to be sure that Experian stop causing me humiliation and mental anguish.

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 2022-02-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Again this Real Time Resolution has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: DC
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and XXXX XXXXk replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by COVI. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency Experian, XXXX and XXXX delays are still reported. In the reply from XXXX XXXX, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.

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 2022-02-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: HW Holding, Inc
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchase a boat in XX/XX/XXXXand Financed it through XXXX XXXX  in XXXX, WI. The loan was paid off on time. The WI XXXX still shows a Lien. The XXXX  shows the institution to be XXXX XXXX XXXX XXXX XXXX in XXXX WI. I called the bank several times, there was never an answer and each time I left a message. I traveled to XXXX and found the address belonged to a Theater. I contacted the FDIC and they traced XXXX XXXX  through several mergers to BMO. I contacted BMO and was transferred to several different people in their records divisions. The last stated that for records that old I need to contact XXXX XXXX. I contacted them and they stated they only have car loans and not boat loans and directed me back to the FDIC. The FDIC then directed me to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.

Company response to consumer: Closed with explanation