BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
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: Their investigation did not fix an error on your report

Complaint:
I have requested the below-listed problems be fixed several times. The  Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, Th e most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively . See Attched  documents : There are  XXXX  more Trademarks with issues listed on each Credit report.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Le tter, Payment etc. Bach-up documents for my claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: VA
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 have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
RE : XXXX XXXX XXXX -- -VIN : XXXX -- -Account : XXXX File # XXXX ALLY is willfully committing consumer fraud as the lessee exercised its right for early termination under Section 29 on XX/XX/XXXX ALLY Financials lease agreement specifically states that under Section 8 by Excessive Wear and Use. The lessee may be charged for excessive wear based on Ally Financial standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. <P/>The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. <P/>Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. <P/>Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. <P/>However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. <P/>Lease term from XX/XX/XXXX and ending XX/XX/XXXX. <P/>ALLY Financial committed consumer fraud as they did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

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 non-monetary relief
Consumer complaint received 2017-07-04
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. 

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. 

They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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
Consumer complaint received 2022-04-29
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, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been contacted again for a account by consumer cellular that was discharged in bankruptcy, consumer cellular first reported the account to professional credit and now I have been contacted by IC Systems Inc, The state attorney Generals office Oregon was contacted and the company was supposed to stop trying to collect this debt because of the bankruptcy

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 2022-04-29
Company: World Acceptance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My social security number is XXXX I'm XXXX date of birth XX/XX/96 my address currently XXXX XXXX I can't get help anywhere now I'm facing eviction I have small kids one day now to move

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Today 's date is when a phone number called me having my last 4 of my social security number my full name and my home phone number which is impossible to be a real debt collector because Noone has my home phone number and they called from XXXX pre fix which is from iowa where I currently live and when I asked them for proof of the debt they were trying to collect was from California but when they sent me an email it was found in spam and had California colorado website which was found to be odd and when I called the toll free number from the email it just kept ringing and no one answered.. I'm very worried for people having my information like this please help me figure out if it's real or fraud they called me from the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and the toll free number is ( XXXX ) XXXX and stated I owed $ XXXX.and some change to them by Wells Fargo and that's impossible I've never received any mail or any information about this so called debt

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 2019-11-19
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm applying for a mortgage loan. When the mortgage company pulled my credit, Citi Bank CBNA is reporting to XXXX  ( only ) that I applied for a Bank Credit Card on XX/XX/2019. Please note, they are not reporting an open credit account, only that I applied for credit with them I have never applied for credit with Citi Bank or Citi Cards. My mortgage company is asking me to explain any recent credit inquiries on my credit bureau and since I did not apply for this credit, I can not explain it. I contacted XXXX  on XX/XX/19 to dispute this credit inquiry. XXXX  advised that I must contact Citi Bank and dispute it directly with Citi Bank to have the inquiry removed from my credit report. On XX/XX/19 and XXXX ET ; I called Citi Bank. Citi Bank told me I have no past or present accounts with them, which I'm aware of. Citi Bank 's fraud department said I have to dispute this inquiry with XXXX. I explained to Citi Bank that I already spoke to XXXX  and they stated I must dispute this with Citi Bank and Citi Bank will need to remove the credit inquiry from my credit report. The Citi Bank agents seem unsure of what to do and are not getting appropriate responses from their fraud department. I feel the agents I've spoken to at Citi are unable to resolve my issue due to their lack of training with this type of complaint.

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 2017-07-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The First mortgage on my home is held by ClearSpring Loan # XXXX in the amount of {$210000.00} Contact number XXXX The Second mortgage - Select Portfolio Servicing Loan # XXXX This is a Equity Line of Credit Refuse to work with me they are not the first mortgage. <P/>They say that I owe {$520000.00} I say I do not according to the documents that I have. Select Portfolio Servicing would not allow me to give a loan modification package of any kind for review for the Equity Line of Credit and the payments go up every month. <P/>They sent me a repayment plan for {$6700.00} never requested any financials or documents from me. When I did not accept the payment plan with a balloon payment at the end of {$470000.00} they put me into foreclosure with a pending sale date of XXXX XXXX, 2017 at XXXX XXXX. <P/>The foreclosure document Notice of sale states : Supreme Court County of XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, on behalf of the Certificationholders of XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX, Plaintiff against XXXX XXXX XXXX, Defendant ( s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SECURITY FINANCE CORP
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:
I filed BK Chapter XXXX and added Security Finance into Chapter XXXX. I received my discharged letter from the courts. Security Finance is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear SECURITY FINANCE XXXX : Security Finance is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : XXXX. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.

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 2018-12-26
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a white vinyl privacy fence from XXXXXXXX XXXX for a home improvement project, during XX/XX/XXXX. The fence was financed by Synchrony Bank where I was issued a credit card for Lowe 's with a {$9100.00} credit limit. The card came with a " deferred interest promotion '' of 3.99 % for 36 months. I setup automatic payments in the amount of {$350.00} each month, to pay the balance off sooner than 36 months. But before I paid it off completely, I used the card again during XXXX on a second home improvement project by having XXXXXXXX XXXX replace my roof, and some other home improvement projects. Unfortunately, because of the COVIC pandemic along with the ever increasing cost of living, versus my fixed income, I was going to have to reduce my $ XXXX monthly payments. In addition, I was furthered financially burden when I fell victim to a Bitcoin scam where I lost {$18000.00} from my checking account during XX/XX/XXXX. I sent Synchrony Bank a copy of the Police Report. On XX/XX/XXXX, I notified them by email of my situation and informed them that I could not afford to pay 26.99 % interest, with " Late Fees '' and " Overlimit Amount '' Fees, but I would be willing to make $ XXXX  monthly payments, as a sign of good faith, for the next 2 months. After which I would be in a better financial position to pay the balance in full! I only asked if they would be patient and work with me. Synchrony Bank has shown absolutely no compassion or empathy for my dire situation and continues to increase the balance on the card. If Synchrony Bank is allowed to continue with their selfishness and greed, it will only damage my credit rating, and I request that action be taken as soon as possible to prevent that from taking place.

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 2017-09-26
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I took out a mortgage loan with XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company for the amount of {$420000.00}. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$420000.00} which is about {$2900.00} from the original mortgage 10 months earlier, but I had already paid about {$27000.00}. How is that possible? I tried fixing the problem several times by submitting loan modifications on XX/XX/XXXX I was denied a loan modification because the investor declined. On XX/XX/XXXX I was offered a Trial Payment Plan, but I had to decline the offer because they were increasing my mortgage payment by {$530.00} and wanted a down payment of {$50000.00}. On XX/XX/XXXX I was denied again because the investor declined a loan modification. It seems like they do not care whether I pay them back or not, which is why they a offering me an impossible loan modification. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX   and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.

Company response to consumer: Closed with explanation