BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
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: Their investigation did not fix an error on your report

Complaint:
My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/XXXX and subsequently discharged on XX/XX/XXXX. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.

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 2023-08-03
Company: EGL US, LLC
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: Information belongs to someone else

Complaint:
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX BMG Money Account # XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: IL
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 contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX AND OTHER DATA FURNISHERS. XXXX   CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW

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 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am continuing to have a problem with Capital One Auto Finance. 

Lost my job due to covid. I have made arrangements to pay my loan but capone is reporting me late We are in a pandemic no one has money and now you want to kill my credit? 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received a letter from Bank of America stating they have removed PMI based on a loan to value of less than 80 %. 

I requested to have escrow removed based on XXXX of less than 80 %. 


I received a letter from Bank of America XXXX department stating my XXXX was 96 %. 

You remove PMI based on XXXX of less than 80 % but Bank of America XXXX department denied removing escrow based on XXXX 96 %. 

For Bank of America to hold my escrow account XXXX sounds like it benefits then financially. 

I requested the escrow removal on one day and the next day I receive this standard form letter with denial due to equity being 96 %. 

What kind of bank is this that operates like a scam. 

Bank of America is contradicting itself. The right hand doesnt know what the left hand is doing. 

Property address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX Sent from my 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 monetary relief
Consumer complaint received 2019-05-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.

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 2018-08-11
Company: Debt Recovery Solutions, LLC
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:
On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. 

I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 

I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.

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 2020-01-27
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and 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 explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Company - Transunion XX/XX/2017 received a bill for {$1.00} and XXXX Contacted XXXX Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from Transunion. 

I have called a Transunion XXXX and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account. 

I would like to have all the money refunded to me and stop payment to Transunion. 
Please - HELP!

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 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$3200.00} - XXXX Credit Bureau is reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. 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 non-monetary relief
Consumer complaint received 2019-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Would like to see paperwork showing which mortgage company Countrywide settled my loan payoff at time off purchase XX/XX/2008. Who previously held my note? No official legal documentation can be located to justify those figures quoted over phone interviews were ever produced as promised to myself. 
I paid for the title search myself and I would like a copy of as well. 
Also, because I was on XXXX, I was exempt, as in previous years, however that arrangement was cancelled by Countrywide Bank or Countrywide Mortgage or Bank of America or XXXX XXXX. My property was sold amoung 3 financial institutions in one single day XX/XX/2008 and Bank America becomes the servicer. 
I deserve access to files that were never presented to me as proof of transfer, by way of Promossory Note, which was never filed with any legal authority. 
If you would clear up my concerns, perhaps we could reach a mutual agreement to avoid me facing a foreclosure like so many thousands before me.

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 2019-05-01
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've tried to have this fraudulent account removed from my credit report. I have no knowledge of ever having a credit card with this company.

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 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've tried to have this fraudulent account removed from my credit report. I have no knowledge of ever having a credit card with this company.

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 2019-02-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from LUNV FUNDING in XXXX of 2017 in the amount of {$280.00}. First and foremost, I have confirmed that the debt collector, LUNV FUNDINGis not licensed in the state of Texas to collect on this debt. Secondly, LUNV FUNDING violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to LUNV FUNDING? I have never heard of them, have no written contract with them and have never received any benefits from them, yet LUNV FUNDING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Corporate business accounts with XXXX XXXX showing on personal 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 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Portfolio recovery on XX/XX/2018. the representative failed to give proper XXXX XXXX and said out loud the last four of my Social security number before verifying my identity.

Company response to consumer: Closed with explanation