BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the forwarding order for this address is no longer valid. XXXX  XXXX  incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 ) they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Still no response from other 2 open cases. Transunion responded and upon their investigation the information was fraudulent and they removed from my report. XXXX  and XXXX  said they use the same data furnisher ( XXXX ). They don't have a file for me. I am going to contact a FCRA attorney. This is effecting me emotionally and financially. Transunion still have XXXX. I reached out to them directly. They have no valid proof. XXXX   have over 10 fraudulent items on my report and 4 duplicate accounts. XXXX  have 3 accounts that are fraudulent! This is a Violation of my rights per the FCRA AND FDCPA!

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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Several accounts were opened without my knowledge or consent. I am a victim of identity theft.

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 2023-02-27
Company: EQUIFAX, INC.
State: AZ
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 have exhausted all Attempts with Equifax to have my Credit File Corrected. Equifax continues to Report Incorrect/Impermissible information on my credit report that are Repeated Clear Violations of Federal Consumer Law. The Following account is Reporting Incorrect showing a Balance Due of : {$20000.00} and notates Late Payments that are Not Permissible under Consumer Law " 15 USC 1666 Permissible Purpose. 

XXXX XXXX XXXX XXXX acct # XXXX ( joint acct : XXXX XXXX XXXX ( Past Due Balance ; {$20000.00} Notates Late Payments ) This account is for an Auto Loan of our : XXXX XXXX XXXX XXXX XXXX XXXX This Auto loan with XXXX XXXX XXXX XXXXXXXX was Paid Off in Full on XX/XX/XXXX and We were issued our Clear Title on XX/XX/XXXX. Attached are Documents Clearly and Undisputable supporting the Dispute of Incorrect/Impermissible Reporting by Equifax. Equifax has continuously committed Fraudulent " Said Investigations '' and Repeatedly denies the Dispute and continues to Violate my Consumer Rights by reporting " Account VERFIED/VALIDATED/CERTIFIED to BE FACTUAL and CORRECT '' I urge CFPB top Enforce my Consumer Rights and Protect me the Consumer from Equifax 's continuous Violations of Federal Law and Reporting of Incorrect/Impermissible Reporting of account information Attached are Supporting Documentation of Above accounts and Also Identification Document to Verify who to Avoid Fraudulent Response by Equifax as Filed in CFPB Complaint XXXX XXXX which contains Proof of Equifax 's Fraudulent Previous Responses of " We were Unable to Locate your Credit File '' -Also see attached Equifax Credit File Report Sent which Identifies me via Equifax Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery calls many times a day from different numbers. But, where the problem is is that they will call late at night ( after XXXX XXXX ). This evening I received a call from the at XXXX XXXX. I'm tired of the late night phone calls and on occasion early morning calls as well. I have tried to block them. But, the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When the original debtor XXXX XXXX XXXX had this account I couldnt even get in touch with anyone in that office to pay it off. This was before they even had the online payment thing going. Then it was transfered to a collection agency which I did contact as soon as I received notice and I offered to pay it off but could only pay half and I remember I was refused at that time. I haven't even received anything from this company in 2 years and they still hijack my credit and somehow seem to report it but they dont and have not been sending me any kind of paper mail on this matter. This collection agency is not applying to the laws of notification of debt therefore they have broken the law. 
Amount of debt : {$280.00} Americollect XXXX XXXX. XXXX XXXX XXXX WI XXXX 2 years I have not received anything anf yes I have disputed this and still didntnr eceive anything. It appears as though they just decided to let my credit suffer. I offered to pay half off and was refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im currently in litigation with Bank of America and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to Bank of America!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.

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 2023-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
If you look at several complaints that I have filed with your office concerning Equifax reporting incorrect information on my consumer credit report. I sent several copies of my driver 's license and a copy my current utility bill. Equifax is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-29
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USCB America put a collection on my credit for {$320.00} without contacting me. Never received anything in the mail or a phone call. It just showed up on my credit report without notice. Obviously i would not destroy my credit over {$320.00} and ruin my perfect payment history. This company is shady and dishonest. I tried to dispute the claim based on these facts and they still will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-02-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
By XX/XX/XXXX I have it on my account two balances a Loan ( flex Plan ) for XXXX ( 60 monthly payments ) Promotional Balance ( Purchases ) for XXXX at the moment to make the payment the system give me the folloqing option to pay " Option 2. This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months '' I selected that option and paid a total of XXXX, the payment was applied totally to the Flex Loan By XX/XX/XXXX I Made two purchases under the same option ( Flex ) One for XXXX and other for XXXX. ( both to 6 monthly payments ) I returning the XXXX purchase and instead to cancel that balance the returning balance was applied one more time to the higher amount with the longest payment period I has been charged for interest in all those errors I has call 4 times with an average of wating time over an hour. to get the last answer about to call my lawyers so this is my first step and i hope get your help

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX XXXX  and is reported by TransUnion, XXXX, and XXXX under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Tried to file a fraud charge and they denied me that option. When my credit card information was compromised

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charged almost XXXX  in fees while I had a account there

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 2023-06-05
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: First Atlantic Auto Credit LLC
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to contact the company first Atlantic auto credit to obtain a release of Lien to obtain a duplicate title. I have called, emailed and visited the address they have online. The address they have is not accurate. The address has been occupied by a new business. I have been trying to contact for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account have frozen can not withdrawals I can not do anything to my account and debit collectors take all my money in my account my deposit money is froze too

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 2021-09-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my fed loan witch is incorrect there should be no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I bought a house in XX/XX/XXXX and borrowed {$390000.00} from Colorado Housing and Finance Authority with the first time Colorado program. I had been making payments on time until I was offered the COVID relief program in XXXX XXXX. I was able to miss 5 payments and was told that those monies would be placed on the back end of the loan. I began making payments in XX/XX/XXXX and have been making them since. 

I am now in the process of refinancing my loan with a new lender, in order to lower my payment, and remove the PMI from the loan. I received the payoff statement from CHFA two weeks ago, however, and the Total Amount to Pay Loan in Full is over {$420000.00} -- {$28000.00} more than what I originally borrowed. I believe I know what is happening, the computer is ticking every day since the day I missed a payment for COVID relief, but no one has told the computer to stop ticking once I started making payments again last fall. The computer thinks I haven't made a payment since XXXX or XXXX of XXXX and my payoff statement reflects that, despite the fact I did make payments. 

I have spoken to multiple agents at the lender in all the departments, so far I think I've spoken to 30 representatives between Customer Service, Payoffs, Collections, and Loan Mitigation, and many of them supervisors. So far only two customer service agents have been able to understand my dilemma, none of the supervisors are willing to help beyond transferring me back and forth to Loss Mitigation from Customer Service where I have to start over from scratch.My feeling is either a ) no one has the time or inclination to help or, b ) no one has the skills to help. They are almost all very nice people but what would take me a few hours to do when I worked at a mortgage company, they are going on over two weeks. The folks at Loss Mitigation say I owe them {$12000.00} as of XX/XX/XXXX, which sounds like the amount of payments I missed for the five months in XXXX. To me at this point, they are hoping I go away-desperate to get the new loan so they can not have to bother with the math. 

I desperately want to pay these folks what I owe them, mostly so I can get back to work, but I don't want to spend my child 's college fund on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: The Cadle Company
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ).  Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about 300,000.00. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.

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