BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had this account with XXXX XXXX that was being collected by Account Resolution Corporation. I had sent this collection agency an electronic message via their online portal offering a settlement to delete their reporting and received no response, Afterwards I contacted XXXX XXXX and paid them in full and they would recall it from the collection agency as it was paid directly and would be removed. I also sent Account Resolution Corporation another electronic message via their online portal and also no reply. Instead Account Resolution Corporation has updated all 3 credit bureaus that I paid them directly and it remains on the credit reporting causing harm. I did previously have a cease and desist contact to the company but in my electronic communication I specifically stated they could respond to that request only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ACRE MORTGAGE
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage financing through American Capital Real Estate Lending with XXXX XXXX XXXX ( NMLS # XXXX ) as the Mortgage Specialist on XX/XX/2021. XXXX gave me information related to the loan inquiry and we agreed to move forward in the process with a credit pull for the mortgage loan application. XXXX stated that he would have information to me the next day and sent a follow up communication. 

Following the email, I completed the application process in the online portal and sent XXXX an email noting completion. After 2 days I had not heard from XXXX and needed to move forward with a real estate transaction, it was the weekend so I expect that he was likely not available. I sent an email on XX/XX/2021 with the updated information for the loan amount and asked for pre-approval documentation. 

On XX/XX/2021 I called XXXX noting the aforementioned information. XXXX stated that he was out of town and had just got back and that he would complete the process over the phone. I gave him all the information I had already entered into the system and he stated that he needed to do a credit pull to verify creditworthiness. I agreed believing that a prior credit pull likely wasn't performed ( note - the first credit pull did go through on XXXX XXXX from XXXX XXXX ). XXXX pulled my credit again on XX/XX/2021 ( credit pull from XXXX XXXX ) and stated that he would have a quote to me by XXXX. 

I did not hear from XXXX until receiving an email on XX/XX/2021 ( a week later ). At that time I had move on to another lender. I responded to the email on XX/XX/2021 letting XXXX know that I was disappointed in the communication and the fact he ran my credit twice. XXXX did not respond. On XX/XX/XXXX another email went out ( two weeks from initial contact ), since this email followed the week pattern, I'm assuming the emails on XX/XX/2021 and XX/XX/2021 were automated emails. I selected unsubscribe and moved XXXX to the spam box. On XX/XX/2021 another email was sent from XXXX. It landed in my spam box. 

There is no dollar value damages involved, although there may be an impact credit wise on my behalf. This complaint is submitted to make the CFPB aware of a practice by a noted NMLS member that was adverse to a consumer and to ensure future consumers receive professional services from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
My XXXX account was hacked. Then they hacked my Bank of America account. 
They credited me the money back. {$750.00}. 
Then they took it back. 
I wrote them, no reply.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-10-20
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: SC
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 took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!

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 2020-04-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare is not offerning deferments on customers mortgage loans. Instead they are offering forbearance on loans for 60 days. And will double the amount of payments to place customers in a position to be foreclosed on their homes. They're practices is illegal and needs attention too. I have called them several times on this matter from XX/XX/20 to XX/XX/20 to tell me they are too busy to accept calls at this time form their mitigation department. This company is not following the federal guidelines for this emergency situation that's going on with Covid19 pandemic. This will hurt people lives, families that are going to become homeless with this companies cruel practices.

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 2022-05-05
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character. 

XXXX XXXX XXXX PENTAGON FEDERAL CR UN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My landlord garnished my bank account in XXXX after winning a {$54000.00} money order in Supreme Court for arrears that he created by refusing rent ( he's been trying to evict me and my children since COVID started ). We also qualified for XXXX relief and he has been paid in full through that relief fund but continues to hold my account. Under the Exempt Income Protection Act of XXXX XXXX, I submitted an exemption claim form stating all the money in my account was money I earned in the 60 days prior to the garnishment, 90 % of which is exempt. His lawyers filed an objection. The hearing on their objection was delayed to XX/XX/24 and the judge has not ruled on the motion. The bank has not released my account even though according to the XXXX they are required to do so after 21 days if they have not been instructed otherwise by the court, regardless of any continuing court action. Additionally we received a temporary restraining order from the court that required the release of my account and the bank has ignored that as well. My account has been held illegally for more than 100 days.

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 2019-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT 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 2022-11-29
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla. 
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all. 
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is showing an account that is not belong to me. XXXX XXXX, original creditor : XXXX. Date opened : XX/XX/2020. Amount {$3600.00}. This account is under the name of XXXX XXXX, and I believe was originated in XXXX, Texas. I never had XXXX as a phone service, that is not my name and never lived in Texas. Please I will appreciate your help with this problem. Thank you very much.

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 2022-03-05
Company: Union Home Mortgage Corp
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Union Home Mortgage ( UHM ) is not paying my property taxes with the money in my escrow account. 

My property taxes were due XXXX, and UHM has failed to pay my property tax bill ; I have never missed a mortgage payment, so this is absolutely ridiculous. 

As of XXXX, I owe : - {$2100.00} in property taxes for the year XXXX  - {$43.00} in accrued interest for these property taxes - {$21.00} in accrued penalties for these property taxes I called UHM and sent an email to XXXX with a bill & an account summary on XXXX to show them : 1. the property taxes that they should pay with the money in my escrow account 2. the interest and penalties they need to pay for failing to service my account properly It has been over a week since I called & emailed them and I have not receive any response back regarding the status of my ticket.

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 2023-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Ark-La-Tex Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Benchmark mortgage on XX/XX/XXXX stating that I have to pay them an additional {$2200.00} because my escrow account is short this amount, I refinanced my home with them on XX/XX/XXXX, to obtain a lower interest rate, which I did it went from 3.5 % to 2.25 % fixed rate they ( Benchmark mortgage ) drew up all the paperwork and all the terms and conditions and amounts were agreed upon, my property taxes and insurance and principal and interest,, Everything is included and automatically withdrawn from my bank account on the first of every month my mortgage payment was {$710.00} and now it is {$900.00} for the next 12 months I can not afford the additional {$180.00} every month, this is there mistake not mine,!!! my property taxes and my homeowners insurance have not changed therefore my escrow account shouldn't be short period!! I spoke to Benchmark mortgage and the only solution they gave me was to seek financial aid from them,, they agreed the shortage was there fault but there was nothing they could do about it, except that I would have to pay the difference, this is money I don't have I am on a fixed income, and I should not have to pay for there mistake, please help me, this company is committing fraud against me in my opinion,, this is a financial burden that I should not have to bare, my email is XXXX, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized credit inquiries experian continues to allow someone to keep applying for credit under my name. I have been requesting unauthorized credit inquiries to be deleted and getting no where. Im requesting experian to remove all u authorized inquiries that I attached in the attachments section that I highlighted I. Yellow.

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 2022-03-05
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. CREDIT XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
CONSUMER COLLECTION MANAGEMENT XXXX XXXX XXXX LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account status incorrect

Complaint:
The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed

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