BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to Bank of America, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that Bank of America and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.

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 2021-08-19
Company: Santander Consumer USA Holdings 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:
I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/XXXX XXXXDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedSantander USA Consumer Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CL Holdings LLC
State: FL
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 companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: The Receivable Management Services LLC
State: FL
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 companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items 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
Consumer complaint received 2018-01-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a home improvement loan over the phone through XXXX XXXX at 9 % in XX/XX/XXXX of 2015. Prior to that, I had a checking account and a credit card with them that was in good standing. Because of this the fund was deposited into my checking account within a few days. Several weeks later, I received the loan documents in the mail requesting my signature and notice the interest rate was 18 % instead of 9 %. Immediately, I contacted the bank regarding this matter and was told, they would review the original phone call and make the proper adjustment. After a month, I checked my account and notice no change was made to the loan. I called again and was told once again that they would look into the matter and make the proper adjustment. Since then, I have made several phone calls, a visit to my local branch to resolved the matter, and was told over and over that they would make the changes but it never happened. After waiting for a year, I disputed the loan by certified mail. I gave them 30 days to respond but they never did. I have sent three certified letters and they have not validated my account bearing my signature.They are still reporting my account as being late to the credit bureaus and have refused to mark the account as disputed. This have greatly impacted my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am currently with XXXX a consolidation company, they send payments to XXXX XXXX every month for my past due bill however they continue to call my phone like 10 times daily regarding my account and report it to XXXX which lowers my credit score.

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 2019-05-14
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There is an overage in my escrow account with AmeriHome of over {$1100.00}. I called on Saturday XX/XX/2019 and the first rep calculated my overage to be over {$2000.00} The escrow department reviewed his calculations and decided they were wrong and put the money back into my escrow account on Saturday XX/XX/2019. When I called customer service they advised that the escrow department determined the true overage to be over {$1100.00} and because of the mix up they promised to send the check over night. I have called and spoke to 4 supervisors and a manager and I still do not have my money. I was provided a tracking number, but when I checked with XXXX they stated that the package was never provided to XXXX  for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XXXX XXXX withdrew {$1800.00} from my checking out with USAA. I contacted USAA to ask when XXXX last attempted to collect money funds from me. They stated XX/XX/XXXX XXXX attempted to withdraw a payment and was unsuccessful. I was not contacted by XXXX in any way to inform me that I still owed a debt and they would like me to pay. I contacted XXXX. They explained that I took out a loan XX/XX/XXXX. They explained they sent emails from XX/XX/XXXX-XX/XX/XXXX to collect the debt and made several attempts to collect the monthly payment and had been unsuccessful. However, no mail was sent to me and I did not see any emails. Months went by with no word and completely unknown debt. They stated that if I wanted to loan again, I could. USAA conducted an inquiry and deposited the {$1800.00} back into my account on XX/XX/XXXX. I felt relieved that a company could not randomly withdraw large amounts of money without notice. However, on XX/XX/XXXX, the money was withdrawn again by USAA. However, no explanation from USAA was given as to why they took back the money they returned. As a single mother of a sick son, I can not handle the not being notified or at least be given notification to settle a debt with arrangements. I do not feel USAA should have taken the money without explanation and I do not agree that XXXX ( or any company ) is permitted to withdraw funds from an bank account whenever they feel. I should have been given written notification with an opportunity to settle the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Advantage Credit, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit had been pulled 2x additional times " without '' my consent for closing on a home with XXXXXXXX XXXX who delayed my closing for no apparent reason not making me aware of what was going on. I finally closed on XX/XX/2021. My credit was pulled XX/XX/2021, ( 7 ) days prior to closing without my consent, XX/XX/2021, and XX/XX/2021 by " Advantage Credit , Inc ''. I had a XXXX credit score. I asked the mortgage company, XXXX XXXX XXXX, why it was pulled, he said he is not sure. I perform a primary home purchase and interest rate was extremly high 5.5 %. I asked him to lower it several times and said he was unable to do so. The additional 2x hard credit pull dropped my score to XXXX and 2 additional hard credits pulls. I appreciate the last 2 hard credit inquiries " Removed '' asap. It is affecting my number of credit pulls and credit score. It has also affected my ability to obtain other credit cards and/or home purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items 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
Consumer complaint received 2019-05-14
Company: Ocwen Financial Corporation
State: IN
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 is reporting an open mortgage with Ocwen loan servicing opened in XXXX. The house was foreclosed on in XXXX under XXXX. I filed chapter XXXX in XXXX and Ocwen is showing as an open account presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Santander Consumer USA Holdings Inc.
State: NY
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 charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in XXXX and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days.

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, XXXX, and Transunion. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this

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 2019-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. 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. Inquires : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
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: Account information incorrect

Complaint:
Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 Quicken Loans/Rocket Mortgage called me multiple times during my work day to try to refinance my mortgage although I had previously indicated that I was not interested at this time because we wanted to sell our home. The agent on the phone asked if I would like to make an appointment which I agreed to. I could not hear the agent entirely, but apparently he asked if I would allow him to pull an updated credit report. I did not realize that I gave permission for this. I was never asked for my social security number or birthdate, so the agent had to indication that the person whom he was speaking to was the actual owner of the account. Immediately after this phone call, I received notification that my credit had been pulled and I did not understand why my credit was pulled when I never filled out an application to refinance my mortgage. I contacted Quicken via an online agent who said that " someone '' filled out a  credit application online and that if it was not me, I should file a police report, although their own agent admitted to running my credit report. Shortly after, my husband 's credit report was pulled and he never gave his permission for this nor was he even on the initial phone call. When I asked the agent why my credit was pulled, he said it probably wouldn't effect my credit score " too much. '' This was absolutely an egregious abuse of our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Affiliated Management Services
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice today from Affiliated Management Services XXXX XXXX About a debt from XXXX XXXX XXXX XXXX XXXX. No one has seen any XXXX  in years. AMS directed us to contact XXXX XXXX. 

When speaking to XXXX XXXX they said that they sent a bill 42 times. The original debt, from 2016. This is absurd since we both had insurance, and XXXX  account, and never received any notice. When asked for the original bill or copy, we were told no since the attempt had been made 42 times allegedly. There would be no copy sent and since it was sent to collection it was out of their hands. 

Our concern is if this is a valid bill, we can't verify. We presume it was for a XXXX during that year but since it is so long ago it's hard to verify much less correct something that may have well been a billing issue ( sadly, insurance has since changed as well ). 

So now we are stuck with a debt in collections that we can not confirm is even ours, confirm that this is outside of the co-pay much less the deductible for that year. Worse, the XXXX money that could have been used is gone and current monies can not be used against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Emerald Coast Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report on XX/XX/20 I noticed a collection account from Emerald Coast Collections for a " XXXX XXXX XXXX MD PA '' in the amount of {$480.00}. Not only do I not even know a XXXX XXXX XXXX XXXX XXXX, but I haven't been to the doctor 's since I was serving in the U.S military from XXXX and now I only use doctors from the Veterans Association. On top of not knowing XXXX XXXX XXXX XXXX XXXX, I have never received a bill from any doctors office. When I XXXX XXXX XXXX XXXX XXXX XXXX, an address of XXXX XXXX XXXX, XXXX XXXX, IL XXXX appears. I have NEVER been to XXXX XXXX in my life. I am requesting that Emerald Coast Collections provides proof of who XXXX XXXX XXXX XXXX XXXX is, any bills that are in my name from XXXX XXXX XXXX XXXX XXXX, any correspondence from XXXX XXXX XXXX XXXX XXXX, who XXXX XXXX XXXX XXXX XXXX actually is and where he practices medicine, and what the bill in the amount for {$460.00}. If Emerald Coast Collections can not furnish all if this information, I am demanding they delete this account for {$480.00} from XXXX XXXX XXXX XXXX XXXX off of my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Discover bank decreasing my credit limit from XXXX to XXXX which I think is totally wrong they use old information that they claim they got from XXXX XXXX Im off of a automatic system that generates the same old incorrect in accurate information uploaded all current information and Discover still refused to place my credit limit back to where it was that they never sent me any notice about it no formal documentation I was told by They were the rep that told me that Discover doesnt have to let you know if they want to decrease your credit limit I pay my credit bills on time every month I have use my Discover card in many ways I was about to use it to expand my business thats when I found out that my balance was decrease I really wan na close my account out with Discover because I just really feel like Im being treated unfairly as a consumer they didnt even come back with her offer a counter offer which I shouldnt even need one because it was nothing wrong with the amount that I had

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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