BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Well over a year ago, I closed my account with XXXX XXXX. I do not remember the exact date, but when this account began to show past due, I called XXXX XXXX and they, in fact agreed that I had closed my account. Prior to that, I had allowed the company XXXX  to automatically charge their annual fee to XXXX XXXX, when I got the notification that XXXX  would charging their annual fee, I called them to cancel my service. Again, I do not remember the exact date. I do have a subsequent email I sent them cancelling my account, but they continue to send me updates to this day, even though the email notes I cancelled my subscription, as if I do have a current account with them. ( Copy of the return email from XXXX attached. ) On my phone call to them, XXXX XXXX agreed that I closed my account and that they allowed a charge to an account that no longer existed, but that it was my fault that I hadn't notified XXXX, which I had. 

I asked them to review the situation, and they said they would. I got a form letter stating that they had reviewed the charge and found it to be proper, DESPITE the fact I didn't HAVE an account with when the charge was made.

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 2021-02-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2021, Account Resolution Services add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2022-08-01
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 Credit Karma Money, powered by XXXX XXXX, Member FDIC sent an email stating that my account would be closed. They are in violation of the Unfair, Deceptive, or Abusive Acts or Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MA
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:
Hi CRA ; CFPB ; Please see the attachments below and you will notice why I'm so sad right now. It's no way that these accounts were previously investigated based on my request. They've failed to comply with my request as a consumer and they continue to report those items with multiple inaccuracies, incomplete, misleading and inconsistent with payment history, different and questionable balance, past due amount on collection accounts, etc. I believe some of these accounts pointed out were involved in previous litigation and they must be removed from my credit report. I'm stressed and i'm getting alot of anxiety seeing my request going neglect. Also, The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they arenot reportable as per the FCRA, since they are inaccurate. 

******NON-COMPLIANT NO PROOF OF TRUTH!!! DELETE! FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law XXXX XXXX : Account # XXXX ; COLLECTION Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX *****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive sent two dispute letters to investigate and remove unauthorized inquiries. I asked for proof of my signature requesting credit from the alleged creditors and its been over 60 days with no response or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At around XXXX I called Aldos and Associated debt agency to inquire about a current debt that was on my account. I spoke to a female and explained to her that I have no knowledge of this debt ( XXXX XXXX  ) and I am unsure why is it in collection when I have a open and current active membership. I felt she was unable to explain to me so I asked if I could speak to a supervisor. The supervisor I spoken to was XXXX XXXX. I explained to him the same situation and he made comments " I cant track when you go to the gym " " it shows no payment since XXXX " " we don't keep trackers ''. I then explained to him again I understand if was there anyway I could get my debt reduce etc because its COVID we are in a pandemic and I couldn't afford to pay the full debt amount. He then stated he don't do settlements. I then asked could he email me stating that they don't do settlements and can I get a copy of this recording as I wanted to see the appropriate document in which stated that. ( I asked for this because I worked with this debt collector in the past in which they was able to do a payment plan with my account ). I was simply a citizen asking for professional help during this hard struggling time of the pandemic time of covid. The supervisor was dismissive, stated things that was untrue, and was not even open to helping me the best way he could. He hung up in my face and did not send me anything that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Yesterday XX/XX/2021 when i was reviewing my credit report i noticed accounts that are not related to me. I decided to file a police report because my personal identity was used to open accounts at this companies. None of this information relates to any transactions i have made or authorized.

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 2022-08-01
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Complaint against PHH Mortgage Corp. and Ocwen Loan Servicing , LLC Dear CFPB, On XX/XX/2022 XXXX XXXX, who is Ocwens employee located in XXXX, acting as Consumer Account Analyst for PHH Mortgage Corp. sent me a letter about dispute regarding a mortgage account related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX IL XXXX, Case number XXXX, which also has a regulatory case ID XXXX. 

The letter has a statement that PHH is a debt collector and apparently wants to collect from me a mortgage debt. However, I don't see any statements as required under FDCPA re disputes. 

I demand PHH Mortgage to send me a copy of the Mortgage and Promissory Note which they mentioned as a basis for my dispute and a copy of the Regulatory Case with the Office of Consumer Ombudsman ( please provide the full address for the Ombudsman and their direct contact information since the number XXXX appears as a fake number )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I opted for an online college as I had been unsuccessful with on-campus college due to struggles with severe XXXX which I undergo treatment for. 

I was misled in terms of how long my program would be, how much the program would cost in total, how easy it would be to acquire a job upon graduation, the job titles and employers for graduates of the school, and how much I would be able to make on graduation. 

Loan forgiveness paperwork has been filed and has been on file since XXXX, as a result, all of my federal loans are on hold until they review my case. XXXX however additionally took out private loans that are not placed on hold and this is why I'm here. 
The school has since closed and there are countless and similar claims of XXXX 's illegal marketing Activities. Attached I've included links to various trials and instances of debt relief due to the school 's misleading actions. 

Upon graduation, I received not one interview and worked at minimum wage jobs, and looked at community colleges. My debt is XXXX and this total was not revealed to me until graduation. Attached you will find the information XXXX XXXX did give me. The career I was in pursuit of barely makes XXXX a year on average. My life, freedom, goals of a family, and hopes of overcoming obstacles created by XXXX were shattered. They still are to this day as nothing 's changed it's just frozen. 

My monthly required payments amounted to at least {$1000.00} a month. I worked part-time and went back to school while living on food stamps ( see attached my XXXX document )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/22 I was searching for loan lenders and Minto Money popped up on XXXX. I applied for a {$400.00} loan because I needed help making a tuition payment for school. I got approved and received funds soon after. They were never ( still aren't ) transparent about their rates, fees, or loan periods. I also have since found out they are not regulated by state laws. I have made 9 biweekly payments so far of {$100.00} since XX/XX/22. All payments made through automatic bank payments. I never get any sort of receipt or confirmation email. Nothing. My bank is just charged every XXXX weeks. When I contacted them through their website asking to see how much more I owed, their customer service agent offered to " lower my rates '' ( with no explanation ) if I simply verified by bank login info (? ) through something called " XXXX ''. They then right away sent a text to my phone number asking for verification but I did not respond nor proceed to give out any more information because when I looked them up I found many reports of lawsuits against them including reports of identity theft and scamming. I am extremely concerned and am asking for help as I've given them all of my info ( through process of application ) including my SSN. I was in need of assistance so I took out a loan from them back in XXXX but they were never upfront about their rates or about the payment plan before anything. I feel like I've been taken advantage of and am struggling because of the payments. Mainly I'm concerned that they have my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Bank of America still has derogatory marks on my credit reports about late payments and I would like to have it removed as it is bringing my credit score down. I dont have a account number because the account has been closed since XX/XX/2015. 

Thank you, 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Listed below are a few of the different laws the credit furnishing companies have broken, I wont list them all here, just the 1 's that were blatantly broken. 

15 U .S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U. S. Code 1681 b- Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-12-09
Company: TRANSWORLD SYSTEMS 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: Report provided to employer without your written authorization

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After thorough research, I determined that Wells Fargo Autograph Card is the best card that fits my need. So I applied for this card on XX/XX/XXXX. The application was declined quickly based the following reasons : 1 ) oldest account has not been opened long enough ; 2 ) not enough open revolving credit cards with high credit limit ; 3 ) amount owned on bank card is too high relative to the available credit limits ; 4 ) too little time passed since the most recent credit card was opened. I explained the reason and asked for a reconsideration of just issuing a credit card with {$500.00} limit to start the relationship. It was declined again.

I explained that 1 ) my oldest credit card was opened in XX/XX/XXXX and it's been in good standing for 2 years ; 2 ), I have three credit cards open right now, with one credit card limit of {$10000.00}, and the other two are {$5000.00} and {$1000.00} ; 3 ), I only have 1 out of 3 credit cards carrying a balance of {$2500.00} which was paid down today ; The other two cards have no balance ; 4 ), my most recent credit card was opened half a year ago, I was planing to stop using that card once I get this card.

I believe the above reason are substantial enough the meet Wells Fargo unreasonably high standard. 

Application reference number : 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 2022-09-27
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I've attempted to fix this, and I keep getting stuck in what feels like automated responses with no one actually looking into my complaint or issue. I purchased an XXXX XXXX in XX/XX/2022 with Best Buy. I paid off the XXXX XXXX and my account balance was {$0.00}. I then started to be billed an XXXX XXXX  monthly fee for an XXXX XXXX XXXX. I attempted multiple times to use Best Buy 's automated customer service system to cancel this charge. It kept trying to cancel my Best Buy account, which isn't what I was trying to do. I do not recall authorizing this charge. I can not find any agreement or contract stating that my purchase was dependent upon the purchase of this warranty program, and I'm not required to have it to own my XXXX XXXX. Yet, I'm still being charged for it and now it was incorrectly reported to the credit bureau as delinquent and my credit limit was decreased, despite having tried to cancel this well ahead of time and despite never actually asking for this warranty in the first place. I feel like Best Buy has been deceitful in getting this added without any real intention on my part of purchasing it and they continue to harm me by requiring me to pay for a warranty I've never requested in the first place. 

I've disputed the late credit reporting directly with Best Buy and the response was returned within less than 24 hours. I disputed this with the bureau and again the response was returned quickly without any human actually hearing the complaint and addressing the issue directly. When I asked Best Buy to provide me proof that I made this purchase, they refused to do so. They offered to send me terms and conditions of the card, but not actual proof that I purchased the warranty. I do not want this warranty product, I have never asked for this warranty product, and I keep asking to have the resulting delinquency comments on my bureau removed. This is unfair to me to continue to harm me over an {$8.00} warranty that I never signed up for. I've paid for the watch, the only product I purchased. We are talking about a pure profit add on charge for Best Buy that I didn't ask for and Best Buy continues to charge me for.

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 2022-09-27
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got an email on XX/XX/2022 stating, " Dear Applicant : You are receiving this notice because you applied for a NetCredit product through XXXX XXXX. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : '' I never applied for this. I tried calling this company because the email also showed this : XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Account # : ******* XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Which made me think and ask the first person who answered did someone open an account with this company in my name. The person hung up on me. 

I called back and asked for a manager and was put on hold for over 20 minutes at which time I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My loan has been interest only plus desired principal for years and suddenly the required payment ballooned up years after the original XXXX had passed without a letter or any kind of warning other than the billing statement from about {$1200.00} to $ XXXX. They refuse to provide an amortization statement of any kind for the remaining $ XXXX balance. 

Last month we paid {$4200.00} via check on XX/XX/22. They debited the same amount a second time on XX/XX/22 and credited that to the principal. For several previous months, we paid in advance via check and were not debited, so we did not expect to be out over {$4000.00} twice in one week. 

I contacted them for a refund of the second payment on XX/XX/22. They assured me the payment was issued XX/XX/22 although various agents aren't quite sure if it was mailed that day, the next day ( Saturday ), or Monday. 

I have called multiple times about it not being received yet and was told if I didn't have it by XX/XX/22 they would re-issue the check. Called XXXX and, surprise, they now say it can't be reissued until XX/XX/22. They also will not do it electronically, via XXXX, via XXXX, or even USPS XXXX  It can only be sent regular mail. They will not check to see if the original check was stolen from the mail and cashed. I get a new runaround every time I call. If you try to get a supervisor, no one is ever available.

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 2021-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.

Company response to consumer: Closed with explanation