BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
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:
An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report 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 2016-06-25
Company: SQUARETWO FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal 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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One Bank N.A. has pulled my credit once per month for 9 months from XX/XX/XXXX to XX/XX/XXXX. I have not applied for a credit card with this company. I contacted their customer service, the agent was able to locate an application for someone with the same first name, last name and date of birth as me. However, when I gave my Social Security Number the representative stated it does not match what is on the application. Their frauds department suggested I put a freeze on my account but they are responsible for making sure they are pulling credit for the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed a checking account with BBVA Compass several months ago. I received a letter, with no prior warning, this month that the account was overdrawn by {$9.00} XXXX due to a service fee assessed AFTER the account was closed ) and would be sent to collections. When I called and demanded that the account be refunded the {$9.00} charge and closed out, I was held XXXX and told that unless I paid the {$9.00}, my credit would be damaged. I paid the {$9.00} under duress, and believe XXXX should be held responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NY
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've contacted the credit report agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( 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. I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion. 

1. XXXX XXXX XXXX. 

2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  Original creditor : XXXX 5. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 

6. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

7. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). 
FRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced our mortgage through the Money Source ( Loan # XXXX ) in XXXX of last year. Just after closing I received a notice from the county tax assessor ( XXXX, CA ) that our property taxes were overdue. I contacted The Money Source and they paid the taxes but did not make an adjustment to my escrow account. It seems they did not anticipate making that payment which should have been part of closing. 
A year later they are telling me that I'm short {$6300.00} in my escrow account. They have never once notified me about the issue. The only notice I received from them ( XX/XX/2021 ), was an email that stated an escrow audit had been conducted on my account and that " I may have a refund ''. I did not. ( See Attachments ) I have called the Money Source several times to get to the bottom of the issue to find out what they intended to do about it and what caused this issue but they don't seem to have any answers that pass the straight face test. They keep focusing in on my XXXX veteran 's deduction which would leave me a surplus or a refund if they were overpaying. I called and confirmed with the county assessor that there were no overpayments on my account. The Money Source to this point seems unable or unwilling to tell me what's going on. They have not even apologized! They are just going to start charging me an extra {$600.00} per month for a year to make up for it. In what world is this okay? I'm a XXXX vet with a VA loan. This shouldn't be happening period. 
This issue should have been handled in the closing of my loan and is now essentially an undisclosed closing cost charged a year after the fact. The additional concern is that these folks don't seem to know what they are doing. 

Also, I receive relentless sales calls from this company trying to get me to refinance again. I have asked them several times to stop and have blocked several numbers. This proves they have my phone number but can only seem to use it when they want to up sale me but not when there is something I may need to know like a {$600.00} per month increase to my mortgage. 

Please Help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process. 
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was incarcerated for XXXX  years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) 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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Mercedes Benz Financial Services
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have spent months trying to transfer my lease. In my contract its says lease transfer is an option. My local dealership I bought it from suggested swap a lease a third party company that helps you find a buyer to take over your lease. 
I paid the fee and have found 5 buyers. Mercedez-Benz financial refuses to initiate the transfer or even give a timeline when they will .they claim its because of of covid : when in fact they are selling and rolling leases over. They are just not complying with what is in my contract. They also have been taking to court several times prior to covid for this same issue. After months and several people saying no. I then after stating I seemed legal advice was able to atleast get a special consideration for this transfer : mind you its not a special consideration its in my contract! They are clearly breaching and violating my second amendment right! I have stated and given proof of buyers and they have caused each one to no follow through. I will continue this legally if not resolved and I lose this most recent buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I needed some extra funds to repair my vehicle and to pay off a few bills. I applied for the installment loan last week with the understanding that I would receive payout on Saturday. It is now Thursday and I have not received my funds. This has caused a ripple effect : overdrawn bank account, hundreds of dollars in overdraft fees, denied payment on bills, appointment scheduling. Ive made contact with the institution every day this week, and Ive been told the funds would, not should, but would, for a fact, be in my account by the end of the day. For four days now Ive been told this. I have still not received a single dime. At the same time, Ive accrued {$75.00} in interest on this loan that I have not taken delivery on in one week. Also, my first payment to pay the loan back is tomorrow. This should be illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Someone used my paypal account and linked XXXX XXXX checking account to make XXXX transactions NOT authorized by me. XXXX happened on XXXX for {$220.00} from code XXXX and XXXX on XXXX for {$210.00} from XXXX ( notes saying code XXXX ). Paypal was able to refund the first but closed the second with nothing found.I changed passwords since then, today, on getting the resolution, I was again not able to log into paypal and had to reset passwords again. 
Simple XXXX search for XXXX " site may be hacked ''. This looks like a broad issue, where someone tried and was able to move the money outside US and now paypal is not helping looking into issue. I dont have any way to disconnect my bank from paypal and paypal allows people to pull money from bank instead of CC even my setting is to use CC first. 
This is unauthorized and I dont even know these people/firm/company or ordered anything from them. I need help to resolve and get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know exact dates But there are two charges for {$1000.00} to anericollect I've disputed this over and over the other creditors removed it from my report. Experience is the only company that refuses to remove it Number one medical costs are not supposed to be added onto someone's credit for this is the law. Number two they are breaking their hipaa by disclosing my information to another consumer and number three I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v gravens ( mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefor any such debt, in fact therefor exists as well as hipaa violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SYNCHRONY FINANCIAL
State: SC
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-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND 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 2017-01-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions 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:
Experian continues to be elusive and evasive concerning a fraudulent credit card. I complained previously and they didn't respond. This account was previously deleted and now its back on my report. According to 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. This or no account should be furnished without my consent. 15 USC 1681 ( b ) ( 2 ) This is a violation of section 605 I did not authorize, consent to, nor benefit from this account. Please block and remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Contacted Supv XXXX XXXX and requested deletion of outdated account XXXX XXXX # XXXX. The creditor XXXX is re-aging the FCRA compliance date.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2017-01-22
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying XXXX of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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 2021-06-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.

Company response to consumer: Closed with explanation