BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: WAKEFIELD & ASSOCIATES, 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: Investigation took more than 30 days

Complaint:
This is a follow up to previous dispute of the unverified negative items on my credit report. I mailed you a letter XX/XX/XXXX disputing ( XXXX ) accounts as fraud and inaccurate. I also sent a letter by certified mail to all credit bureaus you are reporting to with return receipt requested since I have yet to hear from you. I received notification that you had received the dispute letter in the mail on ( XX/XX/2022 ). I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these accounts Upon the receipt of the documents and herein and of this complaint, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance for removing XXXX VIOLATION accounts below Account # XXXX for {$1100.00} and Account # XXXX for {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
15 Year Mortgage with Bank of America. Homeowner ALWAYS had private homeowner 's insurance paid separately, and NEVER part of the mortgage payment. Premises has always been properly residential/professional zoned. Beginning XXXX, Bank arbitrarily and capriciously begins sending default notice alleging Homeowner has " no-insurance coverage ''. Homeowner submits proof of insurance coverage no less than four ( 4 ) times, including proofs from the Homeowner 's Insurance Company. Homeowner NEVER late with any payment, and now with approximately 1 1/2 years left on mortgage. Bank now begins to withhold homeowner 's current payments, and purposefully and willfully applies them to " default on homeowner 's insurance '' only. Thus, Homeowner now being charged with late fees, and/or threats of non-payment of the mortgage. Given the numerous proofs of valid, current homeowner 's insurance, as well as, said proofs for nearly 13 year of compliance, Bank is taking an obvious and blatant attempt to move Homeowner into defualt, extort additional monies as " insurance '', despite proper coverage and submitted proof therein. Bank will not credit nor account the payments properly.

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 2022-03-19
Company: OneMain Finance Corporation
State: VA
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:
Onemain/Springleaf financial is ruining my credit by refusing to report accurately to the major credit bureaus. 

When I initially called to settle my account, I was advised that it would show as settled with a 90 day delinquency. I wanted my account to show as settled in full, current. They advised that in order for this to happen, I would need to stretch my payments out over 6 months so that it would not reflect as settled in full with a delinquency. Thats their first illegal activity. 

I spoke with XXXX from the XXXX XXXX executive office of customer care who advised me that they did not know that it was possible for an account to show as settled as full with a delinquency but they will look into it and call me back. On XX/XX/2022 I received a letter from Onemain stating the following that they investigated my dispute ( after I sent one in writing ) and that they sent the following updates to the credit agencies : Balance $ XXXXamount past due {$0.00} Last payment date : XX/XX/2022 Update the payment history to match our system of record. 
Account status : current Delete the first XXXX of delinquency. 

I received a credit monitoring alert last week that the account was updated to current. This morning I woke up to credit monitoring alerts stating that one main is now reporting my account as 120 days delinquent!! I am extremely upset with the incompetence of this predatory lending service and will proceed with filing official complaints. I am also entitled to damages as Onemain has negligently failed to comply with its obligations under the FCRA. I want the delinquencies on my trade like from one main removed as well as {$10000.00} in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Been faxing loan modification since XXXX19, keep saying PROOF OF HARDSHIP my hours dropped reason i went behind see PROOF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX I sent an ACH transfer of {$50.00} to the PA Lottery  from my bank. I talked with the bank, today, Monday XX/XX/21 and the bank tells me there is nothing wrong with the ACH transfer and the PA Lottery  received the transfer. My PA Lottery  account also shows the deposit was received. A collection company, Global Payment, XXXX called me on Monday XX/XX/21 claiming that the bank rejected my ACH transfer and I owe the collection company {$50.00} plus a {$35.00} fee. I refused to pay or send them any documents and gave no additional information as I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CMRE Financial Services, Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to CMRE FINANCE regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
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:
XXXX. XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have called Honda Financial in XX/XX/XXXX because Late payments is reporting on my credit, I dispute the negative items and they came off a month later. this account I am No longer financially responsible for this account & im also a victim of identity theft. And Again on XX/XX/2018 I check my credit again through XXXX XXXX & Honda financial is now again reporting negative items to XXXX & XXXX, ruining my credit status once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: IL
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:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX  XXXX, XXXX, XXXX XXXX  and others havent been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have three that are on my consumer report from Account Resolution. The amount of the the accounts are {$56.00}, {$200.00}, and {$150.00}. Account Resolution did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution to provide the agreement under penalty of perjury. 
Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Account Resolution attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Account Resolution also said that another company " referred '' the alleged debt. Any referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Account Resolution to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Account Resolution stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2017-10-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$300.00} ), XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$650.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$990.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$12000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$790.00} ), XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2017-10-01
Company: Allied Collection Services, Inc. (Nevada)
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent an amt of XXXX to collections. Was removed by XXXX. Have been contacting XXXX ( who changed the amt to XXXX ) and the collection agency to Allied Collections.in XX/XX/XXXX.Have disputed the amt. With XXXX, Allied Collections and XXXX with no results. Allied hung up on me 2 times, XXXX gave me 3 different stories what the claim was for and I disputed 5 times with no result from XXXX  Sent to Better BusinessBureau. The dispute nos are XXXX XXXX XXXX in XXXX and the last conf no is XXXX which says pending since XXXX. When called re : XXXX told me to dispute again. System would not allow. This if rediculous. Was XXXX cust. for 14 yrs. ans switched because of poor quality in my home. There was no ETF was not in contract. What is the problem with Allied????? They are not doing anything to fix nor XXXX Will be contacting my Lawyer if not resolved shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company required a deposit of 50 % of total charges which was non-refundable unless the agreement was cancelled within 3 days of signing. Total amount of {$1200.00} was deducted from my checking account via bank transfer. The company then increased the total charge twice, once prior to pickup and again at the time of pickup. Total charges went from {$2300.00} to {$3500.00} prior to pick up. When the movers arrived to load the items, they raised the price again to {$4100.00}. At this point I had only two options - pay the new outrageous price or cancel the service and lose my deposit. I chose to cancel the service. 

I have since entered a new contract with another moving company which quoted me a price of {$2000.00} to be paid on delivery for the exact same inventory as the one contracted with XXXX XXXX. My items were loaded on XX/XX/2021 and delivered on XX/XX/2021. 

My complaint centers on the fact that they could arbitrarily increase the price, which they did without even examining the items to be moved, giving me no choice but to cancel the service and lose my deposit of {$1200.00}. It was a win-win situation for them and a no win situation for me. They kept upping the price until I had no choice but to cancel. 

I reported them to the XXXX  which shows they have a history of repeating this scenario many, many times. 

I can provide copies of the agreements if requested.

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 2019-02-02
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle 's property tax payments do not make sense. 

According to XXXX County the property taxes are as follows XXXX {$1100.00} two installments of {$550.00} each XXXX {$1300.00} two installments of {$670.00} each According to Dovenmuehle, property tax payments were as follows XXXX - {$1000.00} XXXX - {$1900.00} How can I pay more property taxes in XXXX than I owe? 
Where did this money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report 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 explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Problem with personal statement of dispute

Complaint:
According to XXXX, XXXX, XXXX  's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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