BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I previously did a complaint with Bank of America on this matter and only one of two issues were resolved. They did advise that their XXXX loan on this land was transferred to XXXX BUT they did NOT resolve the issue on the mobile home which sits on this property. 

In XXXX XXXX and XXXX XXXX received a loan from Bank of America which put a lien against the land located at XXXX XXXX XXXX, XXXX, CA AND the mobile home located on said land known as " XXXX XXXX, Model Starcrest, Serial Nos. XXXX ''. 

In XXXX the XXXXXXXX XXXX refinanced this property again with Bank of America, and said loan is still being paid at this time and we are NOT asking for a release for this loan. What we are asking for ONLY is for Bank of America to remove their lien from the mobile home as the XXXX loan was paid in full in XXXX. Attached you will find the XXXX Title Search showing the lien on the mobile home is specifically for the XXXX loan ONLY as the loan in XXXX did not put a lien on the mobile home. I have also attached a copy of the 1st page of the XXXX Deed of Trust and the Full Reconveyance that was recorded in XXXX which removed the XXXX lien off the land but not off the mobile home. 

I have been advised over and over that THIS loan ( XXXX ) was transferred to XXXX in XXXX but you can not transfer a paid/closed/release in full loan since it no longer exists. If BofA was able to record a Full Reconveyance in XXXX for land they are also obligated by law to release the lien from the mobile home that was secured by the same XXXX loan that has been PAID IN FULL. 

Please make sure that someone from BofA has a representative that is familiar with how mobile home liens work deal with this complaint because the regular loan parties just are not understanding 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
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-23
Company: EQUIFAX, INC.
State: VA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Grain Technology, 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: Account status incorrect

Complaint:
Grain Technology informed me that they were changing my credit account until a loan account because they were unable to verify my identity. I paid off the account and closed the account. My credit report is still showing I closed a credit account instead of paying off a loan. I gave the company several months to change the status off the account. They recently challenged my dispute through experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX  denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX  yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and Experian who are allowing XXXX XXXX  to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or Experian, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

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 2018-06-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: The Leviton Law Firm, Ltd.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. I received several phone calls from this number ( XXXX ) a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to ) 2. On XX/XX/XXXX, I called the number back because all of the calls were either hang ups or silent calls. 
a. I was transferred to XXXX, who I was told is the case manager for this debt. This is the first time I knew it was for a debt collection.

b. XXXX told me the amount was for {$100.00} and he named the debtor, which was a company that I worked for from XXXX XXXX. I was never an owner in the company, and I informed XXXX of this during the call. 
c. XXXX asked me to pay the debt, to which I reminded him that I am not, and never was, an owner in the company. And, the company is no longer in business. 
d. XXXX also told me that the debt was for some type of insurance for the company. 
e. During the call, I asked XXXX to take my number off the account. At first, he refused and was rude and blew me off. He cut the call short by hanging up while I was asking to confirm that my number was removed. 
f. Therefore, I had to call back again on XX/XX/XXXX to ensure he was removing my number. He then stated that he would remove my number. Again, after treating me rudely and condescendingly. He even admitted to hearing me ask a question as he hung up on me. 
3. On XX/XX/XXXX, I received another silent call from the same phone number. 
a. I called XXXX immediately after and informed him. I asked why my number was still being called. 
b. XXXX said he would remove my number. 
4. This is when I decided to file a complaint because this just doesnt feel right to me for several reasons : 1. The calls never identified themselves. They either hung up or were silent.

2. The silent call received on XX/XX/XXXX, after XXXX was rude and condescending on the phone on XX/XX/XXXX, felt like harassment, or at minimum an attempt to annoy me. 
3. XXXX revealed the companys debt, the amount, and what the debt was for to me ; who was never and is not now an owner in the company. 
4. This debt collector contacted me via my personal cell phone a total of five ( 5 ) times : a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX  XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information TransUnion and XXXX have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report

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 2023-04-07
Company: Rent Recovery Solutions
State: OK
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:
In 2020 a report was transmitted to my credit from XXXX Of XXXX. I was register as a co-signer and they stated that the lease was electronically signed but I never lived in the apartment and have records to prove that I lived and worked in Oklahoma at the time of the lease being processed. I personally never signed the lease. Now I have a charge of {$10000.00} on my credit and its preventing me from being able to get my own apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: LA
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  and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX  and Equifax have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Debt Recovery Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} Debt Recovery Solutions XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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: Account information incorrect

Complaint:
I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

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 2021-01-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient have taken thousands of dollars from my income tax at least for four years straight and they are still saying that I owe over {$6000.00} which should have been paid. I am in the forbearance program but I am tired of getting statements each month and at the end of XXXX time to redo over. 
I got out of school because my mother had XXXX and they were supposed to have worked with me and not charge me anymore payments. However, that didn't work and this have been over 12 years now. 
I want to know why am I still be charged for payments when it was stated paid in full after they took out for income tax. This has been over 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should 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 2021-08-26
Company: EQUIFAX, INC.
State: MS
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've sent disputes to XXXX, XXXX  and Equifax. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-01-01
Company: CITIBANK, N.A.
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:
Every single month I have to speak with shop your Way, Citibank services regarding my account, I am not getting any kind of statement whatsoever at my mailing address so when they process my bills unfortunately it seems that this one is accidentally skipped from time to time which makes me past due. 

Recently I was not notified that I was late whatsoever and it started to reflect on my credit report, I have tried to resolve this issue many times with customer service reps trying to set up automatic payments, trying to access my account online and trying to even just get a hold of some thing simple as my statement. 

I have bill pay set up on my account and provide payments and normally that way and have proof of confirmation of payments when I submit them to my credit card account.

Company response to consumer: Closed with explanation