BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at the XXXX XXXX XXXX for XXXX years. When I moved out, I got notice that they wanted to charge me over {$5000.00}. They never gave any explanation of what they were charging me for- they stated repairs, painting and cleaning ; however, I never received pictures of damage they claim I did, receipts of replacement, painting is routine after any move out so how they can charge me for that is beyond me. I have tried working this out with the XXXX XXXX XXXX  directly and they will not do anything about it nor provide me with anything more than an invoice with absolutely nothing attached. What they have done is not even legal in my opinion as a landlord. I was a good tenant who paid my rent on time and left that property clean and empty. To try to charge me over {$5000.00} and now it is on my credit report is ridiculous. I do not want to get an attorney involved or file charges but I will if that is my only option. This bogus charge has dragged my credit down for XXXX years now - how can they charge me over {$5000.00} with absolutely no proof of anything, simply an invoice? This company is outrageous and they charge everyone outrageous amounts once they move out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Today, XX/XX/2023, I tried to make a payment for my mortgage through XXXX XXXX. When I tried to make a payment, the website said that there was an error and to submit again. I tried XXXX  more times with the same error. A XXXX of XXXX later, I received XXXX e-mails saying that my payment was received. This will cause an overdraft of my bank account. When I tried to call the mortgage service, I tried following every different possible option in their automated system, all of which eventually led to me being told that an agent would not be available to assist me.

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 2023-12-01
Company: Resurgent Capital Services L.P.
State: TX
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:
I had requested a Debt Validation procedure for the specified item they have reported on my credit report. Regrettably, these agencies has repeatedly failed, for the fourth time, to furnish the legally required documents that I have requested. These documents include, but are not limited to : 1. The ORIGINAL CREDITOR 2. The ORIGINAL AMOUNT owed ( with the complete payment history, starting with the 3. original creditor. ) 3. ANY and ALL documentation that shows an agreement to pay someone this sum of money.

4. Agreement that gives you the power to collect on this alleged debt in my State of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: RI
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Strategic Automotive Servicing, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is my 3rd complaint with this company. The continued to report incorrectly on my report and I never received the credit of {$120.00} as per response from complaint XXXX. I went ahead and paid my last payment in XX/XX/2019 which did not exclude the {$120.00} credit which was never applied to the loan. I paid the amount given by the rep to end this nightmare and receive my title. I received a call back in XXXX advising I still owed $ XXXX because of late fees. I explained to the rep I should NOT have any balances as I paid what I was told and I never received the {$120.00} credit. I advised which they owe me {$120.00}. I told her to minus the $ XXXX from the {$120.00} and send my title. She advised no, I need to pay. I declined. I have spoke to several people who of course told me they are no longer allowed to email me because I use those emails as documentations against the company. They have refused to send me a payment history. They have refused to allow any of my request to send my title. 
They are now harassing my ex husbands family which I never had ties with. They call my mom and brother daily. On last Thursday, I spoke with a rep who I at least listened to the situation. I faxed over the documentation showing that the {$120.00} was suppose to be removed and it wasn't. Haven't heard anything back but received a collection phone call on yesterday advising collection attempt. 
Every month we have went through the same round about. It is very crazy that I have paid all funds and they are holding my title for now $ XXXX. 

No one would provide a manager name, address, email address or phone number. At this point they are attempting to collect a debt that is no longer a debt and harassing my family members. 

I would like to have my title and the {$120.00} that was never applied to my account ; as this loan is paid in full. My credit history reported correctly as asked back in complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: OH
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 Convergent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX balance

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 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday XX/XX/XXXX I stopped at Bank of America to withdraw money at the drive through ATM. I tried to withdraw {$300.00} but did not retrieve it from the ATM machine. The lid on the machine did not open for me to retrieve the money so I assumed it was stuck. I checked my bank account and saw that it was debited the {$300.00} so I pulled around and went inside the bank to see if I could get the it there instead, but the lady I spoke with told me to call the number on the back of the card and file a claim. The next morning on the XXXX I called and submitted a claim and they told me to wait 30 days to get a response, but I received a letter in the mail from Bank of America dated the next day XX/XX/XXXX, that they closed my claim due to suspected fraud. I was tolled that they needed to look at the security footage and audit the machine, but I assume that they never tried to look into my situation in the first place if they were able to make a decision that fast. Its been over 30 days and I haven't received anymore information regarding my claim. So I would like to have this claim re-investigated so that I can get my money back.

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 2022-03-28
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck I received to my citibank checking account they will not give me money back. I've spent hours on the phone with them and visited there branch three times and it's an hour a half from me. I deposited the check on XX/XX/XXXX through the app and it's been more then a month.

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 2023-08-14
Company: EQUIFAX, 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:
I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I contacted Lincoln of XXXX XXXX, as my leased vehicle is nearing the end of its lease term and I would like to purchase my vehicle. I received a payoff which includes the following : XXXX ) Market value selling price of {$23000.00}. XXXX**This does not match my lease buyout amount, so I asked for the payoff that they received from Lincoln Automotive Financial and did not receive it*** XXXX ) Taxable fees ( estimated ) : {$270.00} ***no idea how this was calculated*** XXXX ) Doc Fee : {$990.00} XXXX*I spoke to a manger, XXXX XXXX, who insisted this was authorized by the first page of my lease. I asked several times where it says that and he stated that he does not have a copy of my lease, but they all have it. I told him this is a violation of the Consumer Lease Act and he insisted that he would have to see my lease. I thn sent the first page of my lease, as instructed by XXXX XXXX, to " XXXX '', and received the response that this is the dealer 's cost of doing business and NOT mcharged by Lincoln. In other words, it is not authorized by my lease and therefore a violation of the Consumer Lease Act. *** 4 ) Tax : {$1500.00} ***again, no indication as to how this was calculated*** 5 ) Non Tax Fees : {$560.00} ***No indication what these are for and no indication these are authorized by the terms of my lease*** 6 ) Balance Total : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the 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 2023-01-02
Company: Resurgent Capital Services L.P.
State: NC
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 HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. LVNV FUNDING LLC has never proved this debt belongs to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: AL
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:
Ive asked all three credit XXXX to delete account : XXXX XXXX due to improper credit reporting under my FCRA rights that they have broken, they have continuously ignored the request and keep sending the investigation and collection back as ACCURATE when its not. 
This account was charged off which means it should not be reporting a past due balance or a balance. This dead account is also adding internet when it was already written off for {$3900.00} WITH A PAST DUE BAPANCE OF {$7600.00} so how can a CHARGE OFF collect interest and have a past due balance when they release this debt to a third party collection agency, An account can not have a payment history when the account is considered a " dead account. '' Remove ( XXXX XXXX ) from my credit report because you are continually reporting charged off status in the payment history all the way until ( XXXX XXXX ) when this account has been charged off on ( XX/XX/2020 ) You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report Because of this apparent neglect in assuring everything in my reports accurate consistent and up to date please " DELETE '' this item immediately : XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Tuesday XX/XX/2020, JP Morgan Chase restricted my account due to unwarranted fraud. I am a XXXX XXXX and my XXXX check was being deposited into my checking account. I am a based in XXXX but I live in XXXX. Therefore XXXX has to issue my XXXX I spoke to someone at the branch and someone in the fraud department and advised what exactly was going on XX/XX/2020. That day I was told that they would close the account and send me the balance of {$1100.00}. I have called JP Morgan Chase several times about the funds in the closed account. The bank has been unresponsive and unhelpful after several attempts to obtain answers. I have not until this day received the funds that were in the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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 multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation

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 2021-10-16
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My old mortgage company XXXX XXXX switched me over to Freedom Mortgage on XX/XX/XXXX and when I logged on to my portal with Freedom Mortgage I noticed that my account is in Active Loss Mitigation. I called them on XX/XX/XXXX to ask them why was my account in active mitigation and they told me it was because my previous Mortgage company XXXX XXXX sent them my loan over with me being in the COVID forbearance program, '' which I wasn't and never in ''. After they looked at the paper work they notice that the Covid forbearance program was dated XX/XX/XXXX through XX/XX/XXXX and that they will remove it from my account by XX/XX/XXXX. When XX/XX/XXXX came I logged on my Freedom Mortgage account and noticed that it have not been removed. So I called Freedom Mortgage again on XX/XX/XXXX and I was told that it has been removed that they just have to update the computer systems that's why its still showing loss mitigation. Then I called again I believe on the XXXX and then I was told that it was never even put in the system to be removed and that now they put the ticket in to be removed. I spoke to XXXX that day and she was very rude, I spoke to the supervisor about her that day also. Then I was told another date XX/XX/XXXX that it will be done and removed. So on XX/XX/XXXX I checked my Freedom Mortgage online portal and my account is still in Active Loss Mitigation. So I call again and this time they don't give me a date they tell me it will be removed in a couple of days. I also emailed the Loss Mitigation department twice once on XX/XX/XXXX & XX/XX/XXXX about this situation and I never gotten a reponse. Now it's been over a month and it still has not been removed from my mortgage account. I never missed a payment before and I never enrolled into the COVID relief program so I do not know why my account is in Active Loss Mitigation and Freedom Mortgage is not removing that status from my account.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
Problem is the Experian incident just reported. Just notified by you that their investigation has been completed although incorrect info is still on report. This is after their being notified by me at least twice with supporting documentation and by the company involved at least once. Since this seemingly lack of serious investigation by this reporting agency can not be unique to my situation and this behavior does impact an individual 's ability to make decisions that are not negativity impacting them, I am going to look into the possibility of initiating a class action suit.

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