BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've made several attempts in the past couple of weeks to gain access to my Equifax credit report to find out why I can not log into my account on the website. for some reason they're hijacking my account where I can not see what is on my credit report. I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I try to log on and it says I do not have an existing account which is not true. I just called again to find out why I can't log on and have submitted current driver 's license front and back and a selfie picture this morning which is Friday XX/XX/XXXX XXXX they still not allow me, nor can not access my account for me to look at. They've also removed and taken off the fraud alert without my permission and the information they have on my account is incorrect they have my phone number incorrect, therefore I can not log in! I don't know what else I need to verify so I can go and make the necessary corrections they have given me a case number of XXXX. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXXXXXX XXXX!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
COLUMBIA DEBT RECOVERY # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give XXXX XXXX XXXX XXXX written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AXOS FINANCIAL, INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX : Closed account XX/XX/XXXX : No check had arrived, so I contacted them and submitted a declaration of lost check XX/XX/XXXX : Submitted a corrected declaration of lost check XX/XX/XXXX : Contacted again after check had still not arrived XX/XX/XXXX : Issue closed and told check had been mailed and would take 7-10 business days XX/XX/XXXX : Still no check - contacted again, told that check had not gone out and was told to expect a response in a day or two on what happened XX/XX/XXXX : Still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Spring Equity LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/2023 we applied for a line of credit with a mortgage broker who sent our loan request to XXXX, XXXX for funding the loan. On XX/XX/XXXX we received an email indicating they indicated everything is looking good and they would send out the disclosures that same day. On XX/XX/XXXX we received an email saying that underwriting is finishing up with our file and should have the disclosures to us that day. This went on for months then we finally got the disclosures on XX/XX/XXXX, at that time the interest rate was 15.667 %. We signed the documents immediately and sent the forms back. Since that time they have run our credit reports several times, they have asked for documents to be resent, each time they have said they have everything they need and it was due to be funded. This has been going on for close to 5 months, they have sent us two sets of disclosures the last one sent in XXXX with a new monthly amount and interest rate of 16.75 % and the monthly amount increased by XXXX per month. We have been told now for two weeks it is in underwriting and the funding would be done the following day, for over two weeks, only to be told they need more information or it is still being reviewed. In addition our property value is at least XXXX to XXXX XXXX, based on comps in the area and our next door neighbor who had his property appraised at XXXX XXXX, and his home is smaller than ours. They used XXXX as the valuation, made us pay the XXXX and do an in home inspection, which was contrary to their website indicating unless the loan was over XXXX that XXXX drive by appraisal would be done. We recently remodeled the home and were getting the funding to consolidate our debt and put a new roof on the home. We are out over XXXX in appraisal fees and other fees

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: AZ
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 let wells Fargo reposes my car which I only owed around {$1500.00} left. Not only did it take me almost a year to fight them with getting the proof of sale a documents regarding my Repo ( which is still haven't received ) The blamed me for not having the correct address on file and i have still yet to receive. Now its a bigger problem. I am trying to purchase a house and I tried calling wells Fargo to figure out a deal that i can get it paid off as this is the last thing on my credit. Wells Fargo told me " you no longer owe on the Debt it will be closed in 30 days ''. When i asked why they stated they have an internal company policy for Statue limitations on how long they can collect on a repo and my account has passed their statue of limitations which means they can no longer collect on the loan. So I said GREAT! they advised me in 30 days it will be closed. Waited 45 days yes they closed it but it still shows that i owe the amount. When i asked then if i can have the Statue of limitations policy and proof i no longer owe SINCE my credit still reflects that i have a balance left the guy said no. That i should have called them prior to my statue of limitations was up and that I have to get a subpoena and sue them the get it in witting. As big as wells Fargo is I am not understanding why when it comes to my loan they are so secretive. They give me different answers but never have documentation to back up their claims. Another guy told me to submit a credit bureau dispute but they will just keep coming back and saying that the report is valid. Also since ive been submitting complains wells fargo ha been updating my credit report with more late payments from 2006 which is lowering my credit score. At this point i think i have enough recorded calls and disputes to take them to court but im hoping that it doesn't get to that point.

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 2023-05-25
Company: Trott Law, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The inhabitants who reside here have no contracts with TROTT LAW from MN who sent mail here in a GLOSSED TEXT ( LANGUAGES OTHER THAN ENGLISH ) referring to us as DEAD ENTITIES/LEGAL FICTIONS. They are being sent our FEE SCHEDULES, CEASE AND DESIST LETTER and NOTICE OF LIBILITY. If they do not immediately remove our names out of their database... TORT CLAIMS of {$300000.00} per month will be filed. We are not LEGAL FICTIONS/DEAD ENTITIES/CORPORATIONS and will not act as one unless compensated .... only man and woman inhabit this address. TROTT LAW mail will be sent back with an invoice if they ATTEMPT to collect a DEBT again in anyway, shape, form or presentment. Who is the man or woman claiming one of the LEGAL FICTIONS owes them a verified debt? There MUST be a man or woman or there is no case. DEAD ENTITIES/LEGAL FICTIONS/CORPORATIONS factually can not speak ... ... hmmmmmmmmmmm .... so if there's no man or woman that's going to put thier bond up, swear under Oath and Affirmation to be true that XXXX XXXX XXXX or XXXX XXXX XXXX ( both are DEAD PERSON/LEGAL FICTION ) XXXX them debts note because they lended us their debt notes ... Get The Heck Out Of Our Lives, Pay Our Fees or Pay Our TORTS that will come thier way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Data and Contact Management Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the executor of my dad 's estate. He passed away XX/XX/2023. I am working to close out the estate as all that is left is medical bills but this is proving to be very difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX apparently sent bills for my deceased dad to DCM Services to collect the debt on the estate. I've never once receive a bill to his address or mine. They know I am the contact and I've worked with a couple of different departments with no luck. This is fine, but they refuse to give me details. When I have contacted XXXX they have indicated they no longer carry records, they are with DCM Services. My lawyer for the estate has requested detail bills because what they claim we owe does not match at all with the Explanation of Benefits for my dad. 

They send vague letters and an amount and no further details. My lawyer received a letter indicating {$720.00} was owed, the EOB showed {$0.00}. 

Why am I sent to a collections company that has no details when I have asked repeatedly for the bills so I can make payment and compare against the EOB. I do represent my dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient continues to call friends, family, and place of employment.Navient has been asked both verbally and in writing, including a formal complaint to only contact myself at the provided phone number and address. Navient continues to harass family and friends, and is displaying unethical tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : 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 2020-02-16
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I've been trying to pay the loan for weeks. At every turn a new issue arises and they ignore my complaints or take weeks to reply. I'm trying to pay the FULL BALANCE TO GET this experience over with. 

No way to contact them other then email. Leaving a voice mail at their XXXX   contact number states that I'll receive a call back within 3 business days, LIES! 

I've been in talks with XXXX XXXX & with XXXX Absolutely no help at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Who is TJX? Why is this still on my credit report and not remove completely? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this creditor named on my credit report. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America offers autopay which allows customers to have payment automatically deducted from their account. BOA forces customers to only pay the min amount due and when you try to pay extra it disturbs the auto pay and then they charge late fees to the customer because the customer is not informed that their auto pay has been disrupted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16
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: Account status incorrect

Complaint:
A medical bill that my insurance company took care of is still appearing on my credit report as a collection account when I initially made my doctor visit the lady at the front desk assured me that their facility was indeed in my insurance network she took my insurance and sent me to se the doctor six months later I recieved a bill to cover the charges I then reached out to my insurance and the problem was rectified. Now the debt was sold to a collection company who is now reporting this information damaging my credit and ruining my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America holds our second mortgage. IN XXXX we paid off the first mortgage with them and most of the second mortgage. 
The remaining was XXXX dollars. The monthly payment on this had been XXXX dollars a month since XXXX of XXXX. When we were notified and attempted to pay the monthly payment we where told we had to pay XXXX dollars and the teller refused to take the XXXX dollar payment. So we went online and it would only take the XXXX dollar payment also. After months of negotiating and trying to get this resolved has failed. All efforts to resolve this has failed. Resulting in accumulating interest and penalties and our credit being destroyed thru the process. 

The original loan was only XXXX. Bank of America stated the payoff XXXX which was not correct. The loan had never exceeded the original amount of XXXX. 

The complaint is that the bank made an error. Would like this to be corrected

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is the loan servicer for my loans and they have filed a 1099c IRS form and never sent me the copy i was suppose to receive. They are also reporting to the credit reporting agencies my transactions and they are not suppose to be reported per USC 15 1681 ( a ) -2. I have called and tried to speak to someone and as usual they keep you on hold until the phone hangs up or you hang up. I would like to do whatever it takes to not only get this situation corrected properly, but to also make other unsuspecting borrowers aware of the service you will receive with them.

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