BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO Harris Bank promises 24 hour phone customer representation. They are committing false advertising. Due to Covid their excuse is Covid that they only have anyone available on the phone 12 hours a day. Theres no reason they couldnt just have people work from home. Cove it is just an excuse to cheap out on human staff

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 2022-12-29
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was recently deemed a total loss due to an accident on XX/XX/XXXX. Due to hardship, I am about to deliver in XXXX weeks, I am XXXX payments past due XXXX days. My monthly payments are {$410.00} each month until XX/XX/XXXX. The principal amount currently is {$14000.00} with a payoff valid till XX/XX/XXXX of {$17000.00}. 

The check for the total loss pending is {$8000.00}. I am aware I am responsible for the loan. However, the rep at American Credit Acceptance in the total loss department who is supposed to be a supervisor just told me, the check will ONLY go towards the principal amount and NOT cover the past due first, that I am still responsible for the {$410.00} each month for the remainder of the loan ( XX/XX/XXXX ) and there is no renegotiation. 

HOW is this even possible? Why would the past due not be covered first, then applied to the balance, then recalculate the payments with a serious deduction in payments? 

Then I asked if someone had any intentions of calling me once the payoff is posted and she replied no they do not do that. 

No wonder this place has a rating of UNDER XXXX! 

I demand they be looked into. This company is not operating with standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i last sent and recommend the owner of the loan to adjust the interest payed on my mortgage, which none of my payment was sent to my mortgage principal to bring down my principal. i have a right to have all options to pay off my mortgage. according to the federal trade commission. the owner of loan states they have no authority over the adjustment of my mortgage loan. i want to know if shellpoint has the authority to adjust my principal from XXXX  to XXXX none of my payments are going toward principal all those years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXXXXXX XXXX XXXX - Account number XXXX and XXXX XXXX - Account 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 non-monetary relief
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America. I applied for a credit card with Bank of America in XX/XX/2022 after receiving multiple pre-approved letters by mail. However, my online application did not go through and I was instructed to wait for a decision letter in the mail. 

Upon receiving the decision letter, I was asked to provide proof of my legal residency in the US, despite being a US permanent resident. I immediately went to the local branch of Bank of America in XXXX, MA and provided them with my US XXXX XXXX XXXX which they scanned to send my documents to the appropriate office. 

Since then, I have been in contact with various phone numbers at Bank of America, but have not received a clear answer. I have been transferred to multiple people and offices, with no help. It has been six months and I have not received any updates or progress on my credit card application. Moreover, there is a hard inquiry on my credit reports without actually having the credit line. 

I have made every effort to comply with Bank of America 's requests and provide them with the necessary documents to prove my legal residency in the US, yet I feel that I am being discriminated against based on my nationality. Bank of America 's treatment of me has been unfair, and I believe that they have wasted my time and resources. 

Given this situation, I would like Bank of America to remove the hard inquiry from all of the credit reporting agencies. I would also like Bank of America to provide a clear explanation of their treatment of me and why my application has not moved forward, despite my efforts to comply with their requests. 

Thank you for your attention to this matter. 

Sincerely,

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 2022-05-03
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: Public record information inaccurate

Complaint:
Outline of my dispute with XXXX XXXX and TransUnion Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX XXXX XXXXnkruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting an reinvestigation of a XXXX XXXX  Bankruptcy as via XXXX certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting they provide me with the XXXX XXXX XXXX for XXXX XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


TransUnion LLC stated that the XXXX XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

XXXX stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX XXXX Bankruptcy to XXXX XXXX and TransUnion Credit Bureaus XXXX Reporting Agencies they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.

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 2020-02-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have requested a payoff for XXXX and XXXX XXXX via email on XX/XX/20 and XX/XX/20. We have received no response as of yet. When trying to contact a live specialist to resolve this matter ( multiple times and days since the XX/XX/XXXX ), it goes straight to a message stating that someone will call back within the next business day. No one has called back to address this matter. We are not able to order one through the automated system. We are closing on this file and with no way to get a hold of someone or no response we are going to have to delay. We need a payoff ASAP but there is no recourse for a resolution.

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 2017-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On Friday  XXXX   XXXX  I received a letter from portfolio recovery prior to this I talked to them on Monday or Tuesday about just paying off  XXXX  debts that was n't mine but since I was trying to purchase a house that was required well on that day they told me about a debt I owed I told them they were wrong because I never had that card therefore I disputed it so I get home Friday and I check my credit report they have n't verified the debt or nothing they just put it on my credit sent me something via mail saying they bought a debt but how do I know that they did n't just make that up I do n't see my signature on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-22
Company: Comerica
State: PA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had a former roommate steal my Direct Express card, call the # on the back and change my pin #, and charge XXXX XXXX XXXX of purchases then take out XXXX at the atm. Direct Express verified this themselves as they showed it was her cell # that called to change the pin and not mine. In fact it was their fraud dept that contacted me about it then sent me a statement to issue the dispute. I also filed charged with yhe police. I filled out all paperwork plus provided Direct Express with the police report but I got back the same standard letter everyone else has gotten saying my claim is denied because I authorized the charges - even though it was them that caught it in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Portfolio Recovery located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, the creditor XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an 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 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband and I had a car loan through Wells Fargo. He became XXXX and we contacted we contacted Wells Fargo and stated we could not pay for the vehicle anymore. We tried five times. The Vehicle sat in our yard for XXXX years rotting as junk since it had electrical problems and we wanted them to repo it. Every time they told us they do not repo vehicles. Last year in XXXX we were contacted by the IRS with a letter stating Wells Fargo claimed a 1099 in the year XXXX. They sent it to our old address even though they knew we had moved so we never received the 1099 since taxes do not get forwarded. We found out they claimed a 1099-C cancellation of debt and now we owe the IRS {$3200.00} that we do not have. My husband is still XXXX and I am work XXXX jobs to make ends.

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 2021-08-30
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been receiving multiple letters from the law offices/collection agency of Linebarger, Goggin, Blair & Sampson , LLC , located XXXX, Texas. These letters state that I am subject to immediate arrest for unpaid violations/citations and other court matter which do not exist. It instructs me to make a payment of almost {$4000.00} to their agency immediately. I have tried contacting there office ( s ), to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A cease and desist letter were sent to XXXX and XXXX ( both of them impacting my credit report negatively ) They are required to cease ALL communication with me. 
FDCPA 15 usc 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium, Any medium includes my credit report. They owe me {$1000.00} for each communication they had with me since the letter was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: MN
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:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: DISCOVER BANK
State: FL
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation