BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America refuses to acknowledge/fix a payment that I made to them back in XX/XX/XXXX. They applied incorrectly to a escrow account and Ive been trying to get this fixed ever since. This entire year they have not been able to apply the funds correctly or refund me the money. In XXXX of this year I paid it again because they were now reporting me to the credit bureaus even though payments were made. Now I received a corrected XXXX tax statement. It almost seems like BOFA is intentionally doing this so people can lose their homes. They are the worst at getting back with any information. 
I just emailed them again tonight. Attachment shows all the payments that I have made to them. 

From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX XXXX To : XXXX, XXXX Subject : Now this Please tell me me what in the world is going on with my account. I just received another letter about a corrected mortgage interest for XXXX. Im sorry, do I now need to go an amend my return because of your error???? Im at my wits end with this. The fact that this is something that has been going on since XXXX of XXXX is incomprehensible. For BOFA to promote mental health and act like they care about their customers is a total facade. To put a customer through endless torture of not being able to find funds for a payment that was made in XX/XX/XXXX!!!! 
Maybe because you people were working from home and nobody was doing any follow-ups. Either way this is your problem BOFA. Fix it I will go to social media and post all of my emails and attempts for you to fix this. My credit is being affected even though its your error. I ask that someone from your corporate office in NC give me a call. Do not call me from your office in CA or TX. Your employs at these locations have done nothing for me and say yes they will get it reversed and fixed but nothing is done. Its been 24 months of XXXX Shame on you BOFA. Ive made my payments every month and you have a record of that. You misrouted my funds from my XX/XX/XXXX payment and you want me to just forget about it. Fix it!!!!!!!!!!!! Fix it!!!!!!!!

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 2023-04-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After getting out of prison in 2020 I checked my credit, I'd been gone for XXXX  years and previously been contacted by the IRS who informed me I was a victim of identity theft when someone used my social to avoid their income tax by having nothing withheld from their paycheck. It was easily proven that I was unable to do this as I was in custody. So once I saw this report that I owed XXXX XXXX and now that debit was being pursued through a company called XXXX. I filed disputes with all XXXX credit bureaus and with XXXX XXXX XXXX in am attempt to remedy this. After no success I contacted XXXX XXXX on XXXX, I was told to fill out a Affidavit of Identity Theft and a police report, I did both and am waiting for this to be removed. This negative report has cost me money, time, and opportunity. I was just paid in the XXXX data breach as my information is routinely found on the dark web and I don't understand why it's so difficult for this to be proven its not mine, for all the above mentioned reasons this should be removed and I should be paid for the anguish this has caused. I just want it removed.

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 2020-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received defective products with XXXX. Notified XXXX. Issue should have been resolved. Junk Debt buyer purchased debt for XXXX cents on the dollar and never provided validation of debt which is required under FDCPA. This is a right as notice of consumer is required. Invaded credit report and tarnished credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 123 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting 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 a 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 2020-06-14
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I appealed to customer service via fax and email XXXX a copy attached ) within 30 days of the modification Hamp Tier 1 offer that the mortgage company Nationstar mis-calculated the income on my paystubs after I submitted to them reduced income paystubs due to medical reasons and medical documentation substantiating that. They did not respond to the appeal of the Hamp 1 but delayed and lost documents from XX/XX/XXXX until the time they corresponded with me. They then de-railed the loan over to the standard Modification program and did not address or respond to my Hamp XXXX appeal at all from XX/XX/XXXX until present XX/XX/XXXX. In addition, I have a surplus of XXXX in my escrow that customer service can use as a downpayment to assist with my modification but the escrow department will not assist me in returning those funds to me or applying it as a downpayment to any modification.. I am requesting they change my modification offer to a Hamp 1 that I originally appealed and waive thee XXXX, XXXX dollars in interest they have allowed to accrue by mishandling my loan and documents. They are impossible to reach my dedicated loan specialist and every time I call I get a different excuse, answer, or reason why they failed to respond. I do not want to lose my home. The value is XXXX and it is unreasonable to offer me a standard modification at XXXX dollars a month in two years with all the interest they allowed to accrue by negating the response to my Hamp 1 appeal. They have misdated documents, lost my financial information and have acted irresponsibly with this program. My loan number is XXXX and I am requesting that my surplus in escrow be returned to me of XXXX immediately to assist in this process. Nationstar also has a call center in the XXXX or some other country so they can avoid acting responsibly to consumers in the United States. Most of them do not comprehend English or financial terms and they have made it impossible to modify this loan on reasonable terms. I am requesting a Hamp 1 modification on a XXXX yr loan amoratized with the investors based on the income paystubs I provided and hardship. Not a 15 year XXXX yr interest only loan that I was not aware of at 10.5 percent interest. They have failed to act upon this request. Please assist me with getting my Hamp 1 as originallhy requested and it is documented they received that appeal and ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$2100.00}

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 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; FXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/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 2023-01-11
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting a fraudulent collection from XXXX XXXX on my Credit report, I have disputed this same collection on my report multiple times. The amounts owed on the collection have changed multiple times, Experian rightfully deleted this collection from my report on XXXX but allowed it to be placed on my report again on XXXX. On XX/XX/22 I disputed this collection which in return came back as validated, I sent another dispute on XX/XX/22 which came back as validated again. In my disputes I've requested that Experian provide me with documentation that was provided to them by XXXX XXXX to validate this fraudulent debt. Experian has failed to comply and remove fraudulent account from my report while investigating. I informed Experian that XXXX XXXX has failed to mail any debt collection correspondence or notification of debt, The have also willfully report false/ inaccurate information to the credit bureaus in violation of the FCRA XXXX XXXX XXXX has also failed to respond to my request for them to provide me with the contractual purchase agreement of this debt. Providing the contractual agreement of the alleged debt will serve as a vital investigative tool to verify who the actual debt belongs to. Experian 's failure to properly validate this debt in violation of the FCRA has caused my score to drop almost XXXX points, in return this has caused severe hardship for my family.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX 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 a 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with XXXX, TransUnion, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXX 's confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXX 's response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the XXXX representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided XXXX with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among XXXX, XXXX, and TransUnion raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXXs name.

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 2023-08-31
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
To Whom may concern, I brought a car from USAUTO sales In XXXX XXXX Ga XX/XX/XXXX. When I purchased my car I also Purchased the Vehicle warranty which USAUTO SALES never brough. I put over {$5000.00} down on my car on top of other fee 's I was charged. I recently received a email from a company by the name of WEST LAKE PORTFOLIO located in California which that company is a debt collecting agency stating my car loan will start over meaning everything I've Paid just doesn't matter. I do not agree with that decision being I've paid over {$10000.00} to USAUTO SALES and now since they filed XXXX A paying customer has to suffer. In XX/XX/XXXX US AUTO SALES  filed for XXXX XXXX XXXX  protection on XX/XX/XXXX. This new debt collection agency located in California keep calling saying they will repo my car and ship it to Nevada to be sold in an car auction. I've never signed any contacts with WEST PORTFOLIO, and they are not on my current contract nor have I signed any new contacts agreeing with them. US AUTO SALES broke the contact sales agreement started on XX/XX/XXXX. I've called all 3 credit bureau and USAUTO SALES was removed and zeroed out. My balance is {$0.00} as of XXXX need this issued addressed. If someone can please get back to me on this issue asap. I can also provide proof and receipts showing everything. I also have my buyer contract with a detailed contact between me and USAUTOSALES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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 credit bureaus are reporting a XXXX late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.

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 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Took out a auto loan with option to send in title or just leave it as a personal loan at a higher interest rate. I decided not to give the title and take higher interest rate. I defaulted on the loan and Wells Fargo reported it as a auto loan repossession on my credit report! I was unable to purchase a car because of this.

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