BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: AZ
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 filed bankruptcy and it was discharged Chapter XXXX on XX/XX/XXXX, but Experian is allowing a company called XXXX XXXX XXXX to report on my credit report. 
1. I have never signed contract nor done any business with this company, the company is reporting negative information on Experian for a debt that was included in my bankruptcy. The company XXXX apparently handles debt for XXXX or they are XXXX but the debt was discharged in bankruptcy court. 
Experian allow them to report as falling off XXXX, as due {$2000.00} and active debt. XXXX should not be reporting anything the debt was discharged. 
Experian was demanded to remove the debt all debt was forgiving. XXXX should be reporting as closed, current, {$00.00} and surely know date when it will be removed and XXXX should be removed off my credit all together. 

Experian is also reporting my history as NONE, but so long as they report my credit on there files they need to report the length I had the credit. I asked that this be corrected they have not complied. My credit history is 9years and 3 mths.

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 2022-10-09
Company: Grain Technology, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been trying to contact the company to pay my monthly payment and have not been able to do so. The company has been replying to my emails but has failed to send me a link to pay as I have requested. I no longer have access to the original telephone number or a cell phone, so I can not get into the account and they are aware of that information as stated in my email messages. his has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments and then informed me that it was being reconnected. The original loan amount was {$700.00}. I was a customer that did not miss any payments and now I have missed payments due to this issue, despite ignoring my pleas to pay using any other method. The account is now reporting to my credit as late which is unfair. Ive never been more horrified by a company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2019-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint because XXXX XXXX has denied my loan modification when I proved that I qualify. The denial is illegal. The Supreme Court has reversed several foreclosures against XXXX XXXX, acting as trustees for investors. They couldnt prove they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated XXXX XXXX for their utter carelessness. I want SPS to stop the XX/XX/2019 sale date. XXXX XXXX must give me a loan modification or stop the XXXX XXXX sale date. What SPS and XXXX XXXX is doing is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home in XX/XX/2019 and took out a mortgage. On XX/XX/XXXX, we sold our previous home and received payment for it. On XX/XX/XXXX we tried to pay off our mortgage. Our original mortgage was through XXXX XXXX XXXX in XXXX, and they quickly transferred it to CMC Funding. We received a letter dated XX/XX/2019, telling us of the transfer and to send all payments after XX/XX/2019 to CMC Funding. I called CMC Funding on XX/XX/XXXX and each business day since then asking for a payoff so we would quit accruing interest. Im told each day that it hasnt been fully loaded into the system and to call back in a few days. This has been going on for a full three weeks with no satisfaction. I have been told conflicting information and have asked to talk to a supervisor several times. I am told no one is available ( even though they were able to ask their supervisor questions ) and Im told a supervisor will call back within 24 hours and I have never received a call back. One employee told me they had XXXX loans to upload and that they were all supposed to be uploaded by Friday XX/XX/XXXX. I believe they could accommodate this request but dont want to do it yet because they earn interest every day until it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - XX/XX/XXXX. 
Simple bank transition to BBVA. Since the transition on XX/XX/XXXX, I no longer has access to my checking account or savings account. When logging into my account, it says " error occurred '' and " Mobile/Online banking service is locked ''. 
I called XX/XX/XXXX and was on hold for 1 hour, only for the system to hang up on me. I called multiple times, all with the phone hanging up on me. 
I called again XX/XX/XXXX, only for their phone lines to be shut down. 
I called several times XX/XX/XXXX, was on hold for 2 hours total, only to still not be able to reach anyone. 
I am locked out of my accounts and have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
It seems like every year for a decade have had issues getting my annual free report with Equifax which trends like this means it's most likely intentional which the entire process sure seems like to make it easy one has to pay for outside services ... 

I may have gotten a credit question wrong as in reality when some has decades of credit history, perhaps just makes sense to just try a different question!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I met Mr. XXXX XXXX to see about closongmu mom, Ms. XXXX XXXX IRA account, since my mom pass away on XX/XX/2019 of this year. The first email received on XX/XX/2019, that Mr. XXXX will be starting his vacation and hand his assignment to Mr. XXXX XXXX on XX/XX/2019. After receiving my last communication with Mr. XXXX, I have beenin communication with Mr. XXXX XXXX by phone and email. After meeting Mr. XXXX XXXX in person at the bank and filling out the necessary paper work. I was promised the check will be out in a week. The last email sent by Mr. XXXX stated that he will reach out with the IRA department on XX/XX/2019. So far, I have yet receive a reply or call back, anf when I tried the main number. I am always informed he is with a client or in a meeting. Can someone assist? The amount is about {$8000.00} my mom old IRA account that my my

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these immediately : 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 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

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 2020-10-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a dispute regarding theXX/XX/XXXXaccount with Equifax, and received a report dated XX/XX/2020 alleging that the account had been verified. I settled the account with XXXX during XXXX and received a receipt from them on XX/XX/2020. This means that the account could not have been verified on XX/XX/XXXX or they would have known that the account had been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 
On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}. 

Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX   due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018. 
Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX  stating the status of this disputed account, was accurate and modified,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Harvard Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-30
Company: Experian Information Solutions Inc.
State: MD
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 am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
Experian, XXXX and 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 2019-10-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX .- These are all the dates this company used a skip tracing robo dialer system to reach me. On the first initial contact I missed the call and called back. I talked to a gal. Which informed me the call was about a payday loan I took out and fell on hard times. I let herr know that I am in the process of taking care of my delinquent debts and would like something in writting. She let me know she can email it to me. I provided and verified the email address with her. She was very pleasant. The next couple of calls I did not answer for I was at work. I then got another call and answered it at work and let the rep know that I am ceasing all future calls to myself and she told me there was nothing she can do about that calls and cant promise that. I then let herr know at this point I am educated with the law and let her know again her company is not to contact me on my cell phone again she rudley cold tranfered me to what she called a specialist. I ended the call. Today XX/XX/XXXX at XXXX I answered the call and again its that comapny with a skip tracing messaging used via a robo dialer system ( not a live rep ) I had to press 1 if I knew the wear-abouts of myself. I was then transfered to a live rep = Which i informed the rep they are robo dialing a cell phone and they have been ceased from communication. he claims i have to send a letter. I let him know that I verbally told the company already twice before. as I asked in what this is pertaining he terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX Amount : {$100.00}

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 non-monetary relief
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this debt with Portfolio Recovery about a credit card that was discharged by XXXX. I sent statements that stated that I owed less than the amount that was noted for the debt. In return they sent the debt to be collected by a law firm, XXXX XXXX XXXX. We came to an agreement to settle the account for {$2000.00} since thats what I actually owed and not the {$3900.00} they were trying to collect. When calling or even using the chat line they refuse to even tell me if they received payment or anything regarding the account. So why is Portfolio Recovery reporting on my credit report and they cant tell me absolutely nothing about a debt they are trying to collect? If Im only to speak with the Law firm then they should be the ones reporting and not portfolio. They even locked me out on my account on their website so I cant even see if they received the payment I made a few weeks ago. Still shows {$3900.00} and I cant speak to anyone about this manner because Portfolio will not speak to me about it and the Law Firm has to ask Portfolio about anything with the account and when I call to speak to the lady handling the account, she doesnt return my phone calls for days at a time. Also upon payment they have on their website and made a statement that they will delete all information off anyones credit report when debt is paid, full or settled for less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently bank with Bank of America and I recently learned that they do not have any ADA accommodations for clients who have a fraud alert on their account. 

I recently had a XXXX that cause me to be XXXX  on my left side. I am XXXX XXXX XXXXXXXX and reside in a rehabilitation facility. I have to rely on most interactions virtually, as I am XXXX XXXX. 
Bank of America placed a fraud alert on my account that can only be lifted if I visit a bank. 
That is difficult for me to do on so many levels. First, I would have to contact special transportation to get me to the bank and find a caregiver to stay with me. If I have to use the restroom during my time at the bank, I would have no other option but to go in my diaper, because I can't stand, which is humiliating. Then, I would have to contact transportation to pick me ( but they would need to know the time in advanced ). 

I am late on bills with no access to funds in my account do to this and BOA has done nothing to accommodate me considering my situation.

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