BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Flat Branch Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There are many dates involved! Primarily approximately on XX/XX/2023 a cease and desist letter was mailed to corporate office of XXXX XXXX XXXX XXXX. I instructed to be contacted by mail only. XXXX XXXX XXXX XXXX I spoke to many times afterwards asking him to refer this to the legal department. He refused!. I've kept recordings starting XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. XX/XX/2023, & last call so far XX/XX/2023! This violates my rights and the cease and desist letter. There's an open civil lawsuit court case XXXX. I have received in the mail notices to default and intent to foreclose in which I have responded to. I have yet to receive a rebuttal, solution, and or a settlement without the judge and the magistrate help! I have mailed LEGAL notices to the Mers registry, XXXX, XXXX, XXXX, FTC & the different entities of Flat Branch Mortgage! Reporting the fraud and intimidation and the right to add them to the lawsuit moving forward.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX, Experian decreased my credit score from XXXX to XXXX. 

XX/XX/XXXX, I contacted Experian who told me that I have two XXXX  credit cards. One of them ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, does not pay {$6.00} XXXX and XX/XX/XXXX. It made my credit score dropped. But I have only one XXXX  credit card which is opened XXXX XXXX. 
So I have disputed XXXX  credit card ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX to Experian XX/XX/XXXX, I contacted XXXX credit card department to check my XXXX  credit card accounts, XXXX confirmed that I have only one XXXX  credit card since XXXX and I paid on time and never skipped the due date.Also, I have not used XXXX  credit card since XXXX. XXXX confirmed that I do not have their credit card account with ACCN XXXX XXXX XXXX XXXX that is in Experian credit record. 


XX/XX/XXXX, I was also checking XXXX  and XXXX. But they do not have any issues those were from Experian. 

XX/XX/XXXX, Experian sent me dispute results those do not have any updates. I still have two XXXX credit cards. And one of them has pass payment due date. 

XX/XX/XXXX, I re-contact XXXX  credit card depart. XXXX confirmed that I have only one XXXX  credit card that does not have negative issues - late payments ...

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 2020-04-09
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Allied interstate LLC sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  : {$260000.00}

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 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.

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 2022-11-05
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Account status incorrect

Complaint:
XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on Trans Union. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my Trans Union account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.

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 2017-05-19
Company: EQUIFAX, INC.
State: TX
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:
On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-07
Company: EQUIFAX, INC.
State: VA
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:
18 U.S.C 1082 ( a ) This company breached my personal information without my consent.

15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent.

15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report. 
12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than XXXX business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints XXXX XXXX XXXX XXXX and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than four business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints # XXXX, # XXXX, and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.

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 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a checking account with Bank of America, my card and was used and I did n't realize that my account had closed, I did call to report what had happened with the card and nothing was done and I had got hung up on and transferred to different departments with in Bank of America, I had try to explain that I did n't use my card that it was lost but did n't get the help I thought I would, I got told nothing was going to be done and they were very unprofessional and rude, I did n't appreciate how I was treated, this was an issue to be reported but bad customer service with these different departments, I 'm mad and frustrated with this fact and something needs to be done this has been a while but i do know now I can file a complaint with the cfpd, even going into the branch nobody seem to help I like Bank of America but I do not owe them sense I called to try to report the situation and got stuck with a closed account because of their inability to listen or take my complaint serious please resolve this matter or I will file with other agencies on this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: AZ
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:
XXXX   XXXX   XXXX  is reporting on my credit report for  XXXX   XXXX   (  a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted  XXXX  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of  Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I spoke with a comenity bank representative on XX/XX/XXXX to make a late payment that I had not received a statement for and had unfortunately forgotten I had charged the card therefore not logging in to make the payment. I requested to make the payment in full of XX/XX/XXXX {$70.00} was withdrawn from my bank account. Today XX/XX/XXXX I received and statement that I owe {$72.00} and I am 2 months late when I had requested to make a full payment and have had no other purchases since that moment. I called to explain to them that I should not owe any money and they claim I only paid my statement partially which is not accurate if I requested to pay in full. The representative than stated that the billing cycle ends on the XXXX and added the late fee. The bill was late on XX/XX/XXXX but then wouldnt the late fee already be applied to the balance I requested to pay on XX/XX/XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has contacted some of my family members stating that they are serving me with a summons. When I called them they told me that I owed money to Cash Central. This debt was paid XX/XX/2018. This company threatened to bring legal charges against me because I defaulted on the loan. When I told them I had already paid it they said ok. But a couple of hours later I received a phone call from a relative saying this company called them and told them I had not contacted them to resolve my debt and to contact them. I contacted Cash Central and they do not know who this company is. They said the sold the debt to XXXX XXXX and are not trying to sue me. I called XXXX XXXX and they also have no knowledge of this company. I emailed XXXX XXXX a copy of my paid in full letter showing this debt has been paid. And lastly, I contacted the TN Dept of Commerce and Insurance to see if this company is a licensed debt collector in the state of TN. They are not. They did the same thing to me last year. They called and harassed family members about a payday loan saying that criminal charges would be filed against me. Out of fear I paid them. They told me they would drop charges if I paid. I later found out that another company owned the debt and charges were never filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX 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 non-monetary relief