BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
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: Information belongs to someone else

Complaint:
On XX/XX/2020 and on XX/XX/2020 I sent Experian XXXX. XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a debt that they have been reporting I asked Experian to provide me with copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature, I requested that the information be immediately deleted from my credit file I have got no such documentation bearing my signature and they continue to report this without evidence

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
few accounts are reporting inaccurately and fraudulently under my XXXX and trasnunion and XXXX   credit reporting agencies. 
i have been disputing these fraud account ( XXXX  XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
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 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2022, Bank of America closed my small business checking account. The bank did not provide a reason as to why it closed this account. 

On XX/XX/2022, a client of mine paid an outstanding invoice via XXXX to the account, which had been closed a few weeks earlier. Bank of America accepted these funds, but has never given them to me. The funds did not return to my client. 

Bank of America has my money and despite many hours spent on the phone, is unable to tell me what happened or where my money is.

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 2017-12-01
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
FELONY THEFT ... 4TH OFFENSE ... NATIONSTAR DBA MR COOPER .... 
Let the record show that Nationstar once again collected 3 house payments ( XXXX, XXXX, XX/XX/2019 were paid ... evidence attached ) but stole the XX/XX/2019 payment to once again pay for fees it illegally added 3 years ago in defiance of an agreement they put in writing in a CFPB filing .... A reminder ... Nationstar identified loan origination fraud perpetrated by XXXX XXXX XXXX XXXX XXXX. On the phone and via email, Nationstar pretended to comply with loan cancellation ... they asked for the full 90 days from the CFPB ... and they foreclosed behind the consumer 's back even though the CFPB was copied the whole time via the Whistelblower email. It was not even close to compliance but Nationstar put in a CFPB filing that they agreed to honor the lower payment that was given to the defrauded consumer for the three months Nationstar stalled ... and the loan would be current ... We paid the full amount ... But Nationstar is a crime wave so they had to get the money back and try to steal the home ... that is their business plan ... to feed XXXX XXXX their auction service ) while processing fraudulent closings, including properties they never owned, documented from Title 365 via email ... hard evidence of selling homes they don't legally own using shady portfolio transfers through Title 365, the Title Co they also own, Nationstar then added almost {$2000.00} in illegal fees in this case, add that to the {$4000.00} in stolen payments ... and we cross the {$5000.00} threshold for FBI intervention. Nationstar needs to be fined. Their CEO and their employees need to be Federally prosecuted. The average consumer simply loses the home and they auction it off. Nationstar/Mr Cooper should not be allowed to touch any Federal loans. I have copies of illegal and fraudulent demand letters as recent as 2019, and this is the 4th time they have stolen a house payment ... the three previous payments were reversed only after complaints to the CFPB. I have repeatedly documented the criminal acts and consumer fraud ... and this is all part of the big money winner ... Defrauding the U.S. Government, PMI and FHA .... The CFPB needs to take every complaint against Mr Cooper seriously .... they are a crime wave that needs to be eliminated .... the people are being robbed. They have no police force to call ... They need you to fine them heavily to send a message ... " Don't lie to the CFPB or consumers '' ... right now they freely lie and deceive both. I have evidence. You have evidence ... spoon fed right to you ... HAPPY HUNTING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday XX/XX/XXXX I received a phone call from XXXX at XXXX XXXX. I answered, and it had me press " 9 '' to continue, which I did. I held for a moment confused by what was going on. 

Finally, a woman started asking me my phone number and was very rude telling me I owed CITI bank a debt from XXXX and needed to pay them NOW {$2000.00} or they would file litigation against me and that would cost me over {$5000.00} and they would garnish my wages of 30 %. She asked if I wanted to be transferred " upstairs '' to get this taken care of. I explained I had no idea what she was talking about, let alone from 13 years ago. She said they mailed me something in a YELLOW envelope, but people usually throw it away thinking it's junk mail ; I explained I probably did the same thing. I even asked for documentation and she said no, I could be transferred but I had to pay and be transferred or they would take me to court. I again requested information and she wouldn't provide me with anything. 

She continued being very harsh with me and I kept asking her to be patient with me as I am trying to understand what is going on. I continually asked her to be patient that I am speaking nicely to her and not yelling, I understand that she probably gets yelled at often but if she is going explain what is going on, what company she is calling from explain I would appreciate it. She continually said that if I don't pay they will take legal actions against me and do I want to be transferred. 

I asked her who did she represent. Was it CITI Bank or another company. She said, " XXXX XXXX ''. I asked the litigation of who? CITI or someone else. She said she was with the XXXX XXXX. OF CITI BANK collecting debt. So, I asked her again, because she was getting loud and frustrated with me as I was trying to understand and kept saying they'll take me to court and was being rude. I explained that I was being nice to her trying to understand. I then asked for her to transfer me to a manager if she couldn't be nice and patiently explain this to me that maybe that person would. She would not transfer me. I then asked for her name at which point she then hung up on me! I have no idea what is going on, what the actual name of the company is or if there is an actual debt I am not aware of from 13 years ago! 

So, I am still without any understanding of who/what this company is, who called ( other than the " CITI Bank XXXX XXXX '' any documentation and concerns about a suit being filed against me for I don't know what about an unknown debt from 13 years ago!

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 2018-02-13
Company: Rent Recovery Solutions
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:
My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: STATE FARM BANK, FSB
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I received an auto loan from XXXX XXXX XXXX in XX/XX/XXXX. I made all payments in a timely manner. I was in a car accident in XX/XX/XXXX, in which the vehicle of was totaled out. My Insurance Company XXXX XXXX deemed my vehicle complete lost and paid vehicle off. StateFarm Bank contacted me in late XXXX indicating that I didn't have gap insurance/loan protection. I explained that gap insurance was included in my purchase and my vehicle was completely covered. Their were able to to locate my policy protection and close out my account. After closing my account out, they then put a 60 day late on my credit report. I contacted them immediately and they were able to correct the problem and fix my credit. On XX/XX/XXXX, I received a credit alert that I have an open account with XXXX XXXX and I was 30 days late. This caused a 65 point drop in my credit report. I contact with XXXX XXXX again and spoke with a Representative that was very rude and explain that my account was closed at one point, but is now open for not paying XXXX dollars. I gave the representative history on the account and he became more rude and stated my pass doesn't matter I need to pay what they have owed on computer. I explained this was total lost and paid by my insurance. I have made numerous attempts to fix the problem, but all attempts have yielded no success and rude customer service. They never notified me of a balance on the account and never notified me that were putting a negative on my credit report. They are in violation of the following : FCRA section 623 and 605 ( c ).

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 2019-08-29
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanDepot has failed to deliver my escrow balance check of ~ {$3300.00} after I closed my mortgage with them and refinanced with XXXX XXXX. The loan was closed on XX/XX/XXXX. According to their customer service, two delivery attempts ( XX/XX/XXXX, XX/XX/XXXX ) were made, but I have yet to receive either of the parcels they supposedly mailed to me. 
I am very disappointed with their customer service. After multiple attempts to resolve this matter my own, I am submitting this complaint to let other consumers know how unethical this company is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: NC
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:
We are attaching a copy of the letter my husband and I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days, but its been over 2 months and we haven't received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/XXXX, I received a phone call from XXXX XXXX, a gentleman advised me that their company is attempting to collect a debt and that this items is already placed on my credit report, he is giving me the opportunity to pay the debt. I advised him that I do not owe anything to this company. This debt was paid through Federal Student Loans, Subsidized Loans and Pell Grants and if he placed anything on my credit report I will sue. I received a letter back in XXXX advising me that they can cut the payments to pay in full for {$12.00}, why would I pay for a debt I don't owe. On XX/XX/XXXX, I received a letter stating that I have verbally disputed this account and they will hold off on any proceedings, I wrote them a letter dated XX/XX/XXXX stating to validate this debt, In all correspondences this company never validated this debt nor sent me any information to prove this debt which I asked but now this company is on my credit report.

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 2018-02-01
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:
On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: United Consumer Finance, Inc.
State: MA
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 finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX OpenXX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX Open XX/XX/XXXXTo Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/united consumer fi  Open XX/XX/XXXX To Be Closed XX/XX/XXXXXXXX XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXXTo Be Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.

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 2021-05-03
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
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:
Credit Acceptance is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there. I have spoken to the attorney general of Utah and have confirmed that this is past the statute of limitation in UT. I no longer owe this debt and Credit Acceptance can not bind this debt to me or try to collect on this debt. I ask that they remove it immediately as this debt is no longer owed.

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