BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, 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 information incorrect

Complaint:
XXXX XXXX -- Dob : XXXX Mailing address XXXX XXXX XXXX, SSN : XXXX XXXX XXXX XXXX XXXX CA XXXX Ph : XXXX Email : XXXX Regarding : BOA CC # XXXX XXXX XXXX XXXX ATTN : CUSTOMER RELATIONS /DISPUTE RESOLUTION DEPT/ CREDIT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, Ive been a BOA client all my life and have been well treated. 
Im currently suffering from a XXXX XXXX XXXX and unfortunately have been given XXXX XXXX XXXX XXXX by my doctors. During this time my plan was to build a home for my family. Which was going well until earlier this year, due to an issue with Bank of America. 

PROBLEMS CAUSED BY COVID : My bookkeeper was entrusted in making my payments due to my illness and as Covid hit, XXXX XXXX was one of the first place in the county to XXXX down. My mailing address is my office building and that was shut down to patrons and the public. As I was ill, my bookkeeping manager was entrusted with making my payments, who couldnt get into the building and couldnt even access any mail. 

PROBLEMS CAUSED BY BOA OPERATIONS In addition, neither one of us could go into the BOA branch to make the payment for XXXX, as branches around us started closing XX/XX/XXXX and the few that were open were far away and were operating for limited hours. Whenever BOA was called, hold times exceeded hours and no one would come on the phone Due to this we were late in making the payment. 
When we finally got a BOA rep on the phone, they told us they wont mark us late, however we were marked late regardless. 

I am attached a letter from my book kipper and proof my latest XXXX treatment. 
Im humbling asking Bank of America to remove the late payment from my credit report reporting for XXXX 2020 on my report Best 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 2020-09-22
Company: Bread Financial Holdings, Inc.
State: CO
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 filed the proper FTC affidavit and police report. I sent a letter with both attached to it to Comenity Bank. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This letter is intend to send to GMAC Mortgage, LLC Executive team GMAC Mortgage, LLC has not approved my short sale / forclosure for the the address below XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX We have a buyer made an offer on the house 4 months ago and the buyer is able to meet GMAC 's LLLC appraised value amount. {$230000.00}. It's horible to get GMAC Mortgage LLC response and accept short sale or approve the sale contract. I have lost one buyer in the past due to their slow response. Very slow response or no response. GMAC does not look at my sitting short sale package to issue an approve pruchase contract. GMAC Mortgage, LLC really has no accountability for any dealines. GMAC has been really hard to deal with short sale/forclousre. GMAC executive and the management should be fired for getting paid and doing the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice for Proof of Claim Account : Afni, Inc. LP BAL {$640.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, 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:
Submitted a dispute XX/XX/2020 to Equifax that public record chapter XXXX bankruptcy should not be reported on credit report. I provided proof that public record chapter XXXX bankruptcy was deleted from XXXX consumer report dated XX/XX/2020. How is it that Equifax submits investigation results on XX/XX/2020 claiming that XXXX furnished them information about chapter XXXX bankruptcy when it was deleted? How is this public record verified when I have shown proof that the record was deleted. Also, courts do not furnish third-parties and vendors public records because that would require my full social security number to be given which is against the law. Equifax did not do a proper investigation and pencil whipped this investigation. I have submitted proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. This account does not belong to me. I have never had an account with Midland and it also shows it is collecting on behalf of XXXX XXXX. Neither do I owe XXXX  XXXX any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it. 
XXXX I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX Trans Union I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXX XXXX XXXX I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} 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 2020-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im filing this complaint against XXXX, I have tried to resolve and handle this issue through XXXX, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, XXXX  needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and XXXX  is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone stole my phone on XX/XX/XXXX and they made two transactions on Venmo when I did not have possession of my phone. 1. {$550.00} and 2. {$950.00} to a random person in New York. I realized these were made when I checked my savings account the following day. XX/XX/XXXX. I filed a claim/dispute with my bank XXXX XXXX and they said they would reward me credit while they investigate the claim/dispute. I also called Venmo and told them to freeze my account and I removed my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
Since XXXX of 2020 I've been consistently disputing fraud related accounts, phone numbers, addresses, and inquiries with Experian consumer reporting agency. Since my initial dispute I have received either no or very vague responses from Experian. Several fraud related address, accounts, and inquiries still remain on my credit file despite my letters, identity theft report, and supporting documentation. It is Experian 's responsibility to report 100 % accurate information pertaining to my credit report but yet they continue to fail to do so. Experian has failed to block the fraud related accounts upon being notified within 4 days from a consumer who's been a victim of identity theft under section 605b. Experian has refused to update and remove inaccurate fraud related addresses on my credit file as well as inquiries that were never initiated by me. It has been well beyond 90 days and yet this issue is still ongoing without any legitimate explanation. My personal information was compromised and I have been a true victim of identity theft. I have been denied credit and several loans due to this unfortunate situation and inaccurate credit reporting on Experian behalf. Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX are all accounts opened as a result of identity theft and should have never been reporting on my credit file. Experian claiming the accounts have been verified as accurate is not feasible for an identity theft victim who's personal information such as name, address, and social security number has been compromised. Any thief who has obtained someone's personal information would be able to impersonate another individual as myself.

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 2023-09-15
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was given false and deceptive information. ( violation of 1692e ) As I was told that a down payment of {$6000.00} was needed in order to drive off of the lot ( pursuant to 15 usc 1605a. ) a finance is a sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The last two times I have tried to modify with my servicer,   XXXX   XXXX  , I was told that even though I am divorced from my ex-husband/co-borrower that his income must be included in my modification review. I would like to see if the CFPB can to anything to have   XXXX   XXXX   not include my ex-husband in my request.
I plan on providing income information for my fianc since he is a contributing member of the household. My ex-husband is not contributing income to this household and does not live here, therefore we should not have to use his income for a modification. My ex-husband is also not willing to comply with providing documentation or signing documents to allow me to modify on my own. I plan to eventually refinance my ex-husband off of the mortgage but unfortunately our divorce had a negative impact on my credit. Therefore I am currently stuck in an unaffordable mortgage situation with no options to make it better due to   XXXX   XXXX   XXXX   requirement to include the income of a divorced co-borrower/non-household member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX XX/XX/2020 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, Regarding our mortgage ( loan number XXXX ), your most recent mailing informs us that our payment suspension will end at the end of this month. This is in error as I have used your online form to extend the forbearance period another 3 months. Further, we have submitted your Authorization To Release Information Form nominating our attorney, XXXX XXXX XXXX, but we have received no acknowledgement of our submission. In addition, your latest communication mentions the Payment Assistance Action Request Form and that it can be accessed by clicking on the " Reply Now '' button on the mortgage account summary page. No such button appears on my summary page. 

We are ready to begin mortgage payments again, however, we require that the forbearance amount be added to the back end of the mortgage. XXXX XXXX calls it the following - " Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan ''. It appears on their website - XXXX XXXX XXXX 

We also ask that use XXXX XXXX 's checking account for the automatic withdrawals for the mortgage payment instead of the account on record. The routing number for XXXX XXXX Bank is XXXX and the account number is XXXX. Withdrawals should be every 2 weeks as before. 

Please respond immediately and let us know that you have recorded our requests. 

Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX, Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: GA
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 do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be 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 non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief