BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and Bank of America even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with Bank of America, it's just really logistically impossible to indicate that it was late.

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 2019-06-16
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After obtaining a credit report, I notice Medicredit Inc added a debt to my credit file with no account number only the amount of XXXX was reported. 

Due to being in the state of Florida. I signed medical papers to protect my information from being reviewed by unwanted agencies.

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 2020-11-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I Called XXXX, and XXXX  to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Bank Equifax XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX Experian XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX F Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : 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 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX  XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I became 2months behind on my mortgage with Primary Residential Mortgage and informed their rep ( XXXX XXXX ) that I was having money/employment issues while looking for new employment. I then asked if I could make a partial payment towards the balance and I was told to make the complete 2months payment, include the late fee or return their Hardship Application. I returned their Hardship Application and was told that it was incomplete. I spoke with XXXX again regarding my incomplete Hardship Application and informed him that I did not have the additional documents that he was requesting but I wanted to make a partial payment in an attempt to get caught up on my mortgage. He then told me again to send the additional documents or my partial payment would be rejected. I then asked to speak with a Manager as I felt that XXXX was not attempting to assist me. He then immediately told me that no one was available ( Without checking ). I then asked to be transferred to his Manager 's voicemail and I left a message for XXXX XXXX ( Yes, they have the same last name ). After two business days passed I did not receive a return call from XXXX so I called, spoke with her and was told that she didn't return my call because she thought the situation was resolved ( How, I have no idea ). I explained to her my situation and she informed me that what XXXX had said was their policy. I let her know that I wanted to save my home, that XXXX wasn't assisting and she urged me to return their Hardship Application. I informed her that I had, it was incomplete and I was then told their was nothing that could be done. I even spoke to a different rep and asked for my loan to be transferred to a different rep and was refused. I am now borrowing money and scraping together what I have in order to stop my home from going into Foreclosure. I have never been offered any alternate payment plan or solution other than return the Hardship Application ( Which I provided Bank Statements and Info, XXXX, IRS Tax Transcripts and an Explanation Letter but was told it's incomplete ). I now do not feel that I am being assisted or protected as a borrower but that the Lender may actually be attempting to foreclose on my home because of the equity that it has gained. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Experian Information Solutions Inc.
State: SC
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 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} 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 2017-06-24
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have incorrect information on my credit file as a result of identity theft:TRANSUNION|HARD INQUIRIES|| XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX || XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX (XXXX) XXXX ||COLLECTIONS||1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX $XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX) XXXX2|-----------------------------------------------------------------------------------------------------------------------XXXX|HARD INQUIRIES||XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX - XXXX - XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------TRANSUNION|INQUIRIES||XXXX XXXX XXXX   XX/XX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX |XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX (XXXX) XXXX |XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:CXXXX 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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX  XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX  XXXX XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX  XXXX XXXX, it's just really logistically impossible to indicate that it was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
I disputed a XXXX  XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX  account after pulling my credit reports which was said to been verified. XXXX   said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX  ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX  ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX  XXXX sent a letter saying they reported  everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX  also shows a Charge-Off from XXXX/XXXX XXXX  on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX  XXXX AND XXXX  XXXX ) which makes me believe they never actually investigated the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced through AmeriHome Mortgage. I applied for and was granted a 90 day forbearance under the CARES Act. The forbearance was to start for my XX/XX/2020 payment and extend through XXXX, with the next payment due XX/XX/XXXX. I have attached a copy of the acceptance letter. They then sent me an invoice which was for the XXXX payment. In that invoice, there was a threatening message about being delinquent on my payment and threatening late fees and negative credit reporting. Both of these are against provisions of the CARES Act. I sent AmeriHome an online message stating my concern and unhappiness about how they word invoices and in general, how they treat their customers. The response was an automated message about applying for a forbearance. I have attached both XXXX and XXXX invoices. The acceptance letter and a printout of the online message. I have since paid both of XXXX 's and XXXX 's payments ( {$6000.00} in total ) because of their poorly worded invoices and threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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 information incorrect

Complaint:
XXXX XXXX XXXXXXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX XXXXXXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXX XXXXXXXX, it's just really logistically impossible to indicate that it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: CO
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 written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..

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 2018-04-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with First Virginia lending agency in XXXX of XXXX. I am aware that the agency offers high interest loans ; however, I have been very diligent in making extra payments in an attempt to pay off the loan, which was originally {$1000.00}. I am always told on the phone that only a small amount of my payments is applied to principal, and the rest to interest - and having nothing in writing from them showing how my payments are applied. I provided my email address at the time the loan was taken out, and was advised by the representative that I would receive statements via email. I have been requesting my statements now for months, only to be told that I needed to contact their corporate office to get them. I have repeatedly contacted their corporate office and was advised that the local office ( where I took out the loan ) must provide the statements and that they ( the corporate office ) has nothing to do with transactions at the local branches. On XX/XX/XXXX, I called the local branch of First Virginia and was once again referred to the corporate office for my statements and was advised " their system was down all day. '' On XX/XX/XXXX, I followed up with the corporate office and was told they have no information and to call the local office ( yet again ... ) I spoke with the manager of the local office of First Virginia ( " XXXX '' ) on both XX/XX/XXXX and XX/XX/XXXX, and she keeps advising her " system is down '' and she can only print out my contract. I have been asking for my statements to see how my payments have been applied for six months now and First Virginia is obviously refusing to provide them. I am sure I am not the only customer who does not get any type of statement or detail of how their extreme high interest payments are being applied. On other various dates, I have requested my payoff amount, paid several hundreds towards it, only to be told that payoff amount didn't include interest and the payoff amount was back up to the original amount prior to the payment, within a few days.. By withholding statements and written information from the customers, First Virginia is able to tell customers basically anything they want about their payoffs, payments made and payments that will be due.

Company response to consumer: Closed with explanation