BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX  has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also sent this complaint to the attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' XXXX Prejudice. All Natural Inalienable Rights Reserved.

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 2023-01-01
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: Reporting company used your report improperly

Complaint:
EXPERIAN is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) EXPERIAN has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. EXPERIAN has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. EXPERIAN has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and EXPERIAN has not complied accordingly. This leads me to believe EXPERIAN ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY

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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a HELOC through bank of America, the agent for the bank, XXXX XXXX in the Bank of America branch located at XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX application # XXXX The Bank has collected over and above, excessive documentation which I have provided in 2,1/2 months. 
The processor of my HELOC application, XXXX XXXX XXXX, XXXX # XXXX or XXXX, at phone # ( XXXX ) XXXX finally got in touch with me for the welcome call. After a few weeks of working on it, this last week of XX/XX/XXXX through XX/XX/XXXX, he told me specifically after my follow-up, that everything looks okay and complete and I will make sure the appraisal is done by the end of this week. Friday of XX/XX/XXXX was the end of that week, before the XX/XX/XXXX weekend. I was happy and asked him if this is a promise and he said a big Yes... 
Today, this other loan agent that said she is a member of his team, XXXX XXXX, called me on behalf of XXXX XXXX and informed me that they have turned down my application. As much as I tried to inform her about the whole process and convince her that I have been given conflicting information about completing the loan application and promise of completing the appraisal, which is always get done after the approval of a client. she kept repeating the same cliche and hang up on me and left me in complete devastation and a crying mood. I am in shock about this discrimination and I'm completing this complaint against the cruel discriminatory process.

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 2022-01-19
Company: EQUIFAX, 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:
I noticed a hard pull on my credit report showing on Equifax " only '' that was done on XX/XX/2021. It shows XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with XXXX XXXX XXXX and have more than enough available credit on that card. I spoke to XXXX XXXX XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to Equifax and was told they have not received information from XXXX XXXX card services. I also disputed this hard pull with Equifax which did not solve the problem. Equifax continues to state they haven't received the fraud info from XXXX XXXX and XXXX XXXX says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
I am not liable for this debt with XXXX and do not have a contract with FAIR COLLECTIONS & OUT. They did not provide me with the original application like i asked.

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 2023-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XX/XX/1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )

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 2023-02-07
Company: EQUIFAX, INC.
State: MA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: WA
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 have disputed this fraudulent account with EQUIFAX for months now. They have violated my rights and continue to do so! I don't understand what EQUIFAX is doing with my records but they are using my information and furnishing fraudulent information to harm and damage my reputation. On XX/XX/2021 I notified EQUIFAX by post mail of the information needing to be deleted immediately. I got a confirmation from EQUIFAX that the account had been in fact deleted. I received this confirmation TWICE! See exhibit A for proof. I received a copy of my consumer report today, XX/XX/XXXX, and have found that EQUIFAX has AGAIN furnished this account on my report! I have never received any notice from EQUIFAX regarding this action nor did I ever authorize or give consent to EQUIFAX to furnish this information. THIS IS IMPROPER USE OF MY CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to 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 2022-12-31
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After 30 days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing forty-five days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has 30 days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender for my mortgage is TIAA Bank. I filed my complaint originally with the OCC but was referred to your entity since the issue is concerning the management of my escrow account. 

I own a rental property in XXXX VA. The taxes are due twice per year. In XXXX and XXXX of each year. 

In XXXX of 2020 I transferred title from my individual name into the name of a trust. The city of XXXX recorded the transfer and later sent a bill for my taxes to TIAA. The bill reflected the taxes due fom the date of the transfer into the trust until the first half of the year. 

TIAA Bank thought the bill was supplemental in nature. As they explained to me a supplemental bill is not required to be paid by them since it is supplemental. The bill was not supplemental but was for the second half taxes. 

TIAA Bank failed to pay the taxes due in XXXX and did not pay them until XXXX. When they paid the taxes in XXXX they paid them for the past due half year and the current amount due. The city of XXXX charged interest and penalties of {$610.00} for the late payment on the first half taxes. 

I received my escrow analysis of my account. Included in the escrow analysis was a charge for {$610.00}. The charge listed on my escrow analysis was listed as " taxes ''. 

I called TIAA Bank and spoke with a customer service person. The person confirmed that the {$610.00} was for taxes and was not for penalties and interest. I called the City of XXXX after hanging up with TIAA Bank. The city of XXXX told me the {$610.00} was for interest and penalties for non payment of the 1st half taxes. 

I called TIAA Bank back and told them that I felt that they were being deceptive by telling me the charge was taxes and not interest and penalties. I told them that they are responsible to pay my taxes on time and they should pass their interest and penalities to me for their non-payment. They told me that the bill was supplemental and was not required to be paid by them. I believe that they are hiding behind words and are not taking responsibility to pay my taxes on time. I repeat that their practice of passing along late fees and penalties as " taxes '' is very misleading and is deceptive. 

They told me that they will not refund the money for the taxes and penalties. I told them that the City of XXXX sent them past dues notices for the taxes and insurance which they ignored until the interest added up to more than {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my BMO Harris digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at BMO Harris, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, BMO Harris then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.

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 2023-05-10
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a money order to XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX  for {$450.00} which was processed on XX/XX/XXXX. The XXXX at XXXX XXXX has also sent me a ledger and a letter saying that I have paid the {$450.00} in full. National Credit Systems still insists that I owe XXXX XXXX XXXX XXXXXXXX XXXX the original {$450.00} even though I paid in full 6 months ago and have sent the ledger and letter as proof to the National Credit Systems email. I have even disputed this charge with XXXX by sending in the ledger and letter on XXXX In turn, XXXX has reported that there is a {$0.00} balance for this account. Yet for some reason, XXXX still has not closed this account and insists that I owe the {$450.00}. When I ask for proof they have contacted XXXX XXXX XXXX XXXX XXXXXXXX about the original {$450.00} or for a status report they become very disgruntled. They do not have proof that they have recently contact XXXX XXXX XXXX XXXX XXXX and do not have proof that this debt has not been paid past the date my payment was processed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: PA
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:
I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN XXXX  DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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