BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. 

Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: KS
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:
Experian reported a hard inquiry from XXXX on XXXX/XXXX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to XXXX XXXX. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called Experian and they could not help and directed me to 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: Paramount GR Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Obtained solar from a XXXX XXXX sales person at our home. We signed on a XXXX  to run for us to get a loan with XXXX XXXX  and it didn't approve. We signed nothing else and he said he would run it through others and said we were approved through Goodleap. Our solar was installed early XXXX and has never ever worked properly yet Goodleap released the entire loan amount to XXXX  before they even completed the project or had the system working properly. We were told what the payment would be but never received the actual loan papers until we called and complained. Upon receiving these we discovered our information was inputted by the sales person via the original docusign we completed. We also were told that our payment would stay stable if we applied the 26 % tax refund we would receive on the system to our loan. Afterwards we found out that it simply is a tax credit and our loan would go up over XXXX unless we paid a lump sum of over XXXX before XXXX payment. XXXX  and Goodleap the lender knew these promises and practices were not true and used shady sales and lies to sell us a subpar system that is way under valued for what we paid. We have to have another company service us which will also cost us money and Goodleap takes no responsibility for their practices. We have a at most XXXX system that will cost over XXXX due to overpriced products and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

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 2022-10-18
Company: EQUIFAX, INC.
State: NJ
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 Bank Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, My name is XXXX, and I am currently trying to get a refund for my student loans that were paid off during the pandemic. 

My loan service provider is Aidvantage, and I had requested a refund with them to bring my balance up to {$20000.00} initially on XX/XX/2021. The customer service was excellent and they had no issue doing so, and had told me that it would take 4-6 weeks for my refund to process. 

I had called back the next week, and was told that my refund was then approved on XX/XX/2021 and the 4-6 weeks would start from there. It is now approaching the 6 week mark, and I have not seen my balance updated on aidvantage 's website or been contacted at all about the status of the refund.

I understand that the company is probably under a lot of XXXX at the moment, but it would be great to have some sort of action take place since I was told that I would definitely receive the refund in the 4-6 week period.

Thank you!

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The information is incorrect for the following account & is being reported to XXXX, XXXX & XXXX Credit reports. 
SHELLPOINT MORTGAGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, 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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove this 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 2021-01-07
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint against Loan Depot. It is a long story but here we go, my husband and I purchased a home. The previous owner had a lien on the home because he took a loan for the installation of solar ( we did not know this at the time of purchase, it was not disclosed by the MLO ). This lien is charged to the property taxes and taken from the escrow account. The previous owner paid of the solar once our mortgage funded. Since the payoff was done after XX/XX/XXXX ( which is the cut-off date for Property Tax Assessment ), the tax assessor kept the charge on the Property Taxes even though the solar was paid off, hence double charging for that payment ( Once in the payoff and once in our property taxes. Which led to the lender, ( LoanDepot ) collecting that money from us, deducting it from my escrow account and paying my Property Taxes with that fee included. LoanDepot sells my loan to XXXX. I talk to the Tax Assessor 's office, and the county and they say it is the loan company 's responsibility to pay me back. I proceed to get the property taxes on my property, the release of the special lean, from both the solar company and the loan company ( XXXX and XXXX, on behalf of XXXX XXXX  XXXX, as well as a California Parcel Payoff Quote that reflects that the solar was being charged to my property taxes. I send this information to XXXX and LoanDepot ; XXXX  refunds their half of the fee almost immediately since they made the 2nd installment on my property taxes, but LoanDepot, who made the 1st installment, will not refund me. I have been in contact with them since XXXX of 2019, trying to settle this. They go without responding for months, they send me to different departments over and over again. It has been over 6 months now that I have heard anything from them. My husband is in the military and we are going to move soon, overseas and I can not have this unresolved before I leave. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,

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 2022-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm being harassed by a HRRG, Healthcare Revenue Recovery Group , LLC. They have contacted many times daily plus sent an invoice which was charging me for an XXXX XXXX XXXX It is labeled XXXX XXXX XXXX XXXX. It is in the amount of {$1300.00}. I called them to give them medical insurance information because their invoice stated no insurance on file. They took the information and said that they would re-file it with my medical insurance provider, XXXX. I then received another invoice several weeks later stating that XXXX had denied paying the claim. I called XXXX and asked them why and they stated that nothing had been submitted regarding that date of service, etc. 

This company has a parent company named XXXX, who did the exact same thing with me. They call me many times per day and it sounds like a robot, which is trying to sound human. 

These false claims need to be stopped and the harassing calls need to stop. There are probably many individuals that they are scamming each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary residence mortgage account was transferred from XXXX to Freedom Mortgage in XXXX of 2022. Based on my previous experience with Amerihome and statements received from both XXXX and Freedom Mortgage, I believe I am overpaying for escrow. Despite multiple requests over the past several months, Freedom Mortgage has refused to complete an analysis of my escrow account and continues to send me outdated/old analysis from XXXX. I know my insurance rate is different from what it was a year ago. They told me they would have a new escrow analysis for me within 60 days of the transfer but that has not happened and it's now late 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 2022-10-12
Company: General Motors Financial Company, Inc.
State: MS
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:
I refinanced my car to GM Financial and I cant find the GM Account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I applied to consolidate my XXXX loans with the US dept of education at studentaid.gov. My XXXX loans were held by XXXX and I selected Aidvantage as the new servicer. I have called Aidvantage multiple times since XXXX and also again on XXXX, XX/XX/XXXX, and XX/XX/XXXX to ascertain the status of my consolidation. Each time I was told they are still waiting on my loan information from XXXX. I also called navient multiple times and they confirmed in writing that they provided my loan information to Aidvantage on XX/XX/XXXX, XXXX month ago. Aidvantage reps have give me inaccurate, incorrect, and most importantly, conflicting information every time i have called. I was told on XXXX they would request a review of my application and it would be processed within 10 days. It has now been almost 50 days since I applied to consolidate my loans with the dept of Ed and Aidvantage has been giving me different information regarding the status of my application every time I call. In fact, when I point out they are giving me incorrect information, they look at their records and apologize for misspeaking. I have escalated my inquiry to supervisors twice and I am still getting conflicting information and my application has still not been processed. I have been unable to speak with anyone with the ability to actually process my application. I applied before the XX/XX/XXXX deadline to qualify for loan forgiveness and if there is an injunction forthcoming at any upcoming trial which halts loan forgiveness, I will not be granted forgiveness due to Aidvantages lack of action and I will suffer damages which I intend to recoup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: NV
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:
I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.

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 2022-10-18
Company: EQUIFAX, INC.
State: NV
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:
Prior CFPB Complaint # : XXXX Equifax Information Services Inc Responded on XX/XX/XXXX that the accounts weren't showing on my credit report yet that is false. This company is in violation of federal law and is civilly liable to me under 15 USC 1640. 
I have attached the credit report as of XX/XX/XXXX and documentation mailed USPS Certified Mail and Faxed to XXXX ( Copy of SSN CARD and of Utility Bill ) on XX/XX/XXXX Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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 do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX XXXX  Opened XXXX {$490.00}

Company response to consumer: Closed with explanation