BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: Merchants Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I closed on my first home. At closing, the projected payment for escrow was based on the previous owner 's exemption status of Over-XXXX, XXXX. Due to her exemptions, she was 100 % exempt from county and city property taxes and paid {$0.00} taxes. Clearly, I'm not over XXXX and XXXX and these taxes were not accounted for in my new escrow account, despite the tax certificate documentation. The lender did not accurately disclose my tax liability and deceived me to qualify for an FHA loan. In XXXX XXXX, I received an Annual Escrow Analysis from my current loan servicer citing a severe escrow shortage of {$6800.00}. My mortgage went up from {$1500.00} to {$2400.00}, a monthly increase of {$950.00}. I retired on XX/XX/XXXX and am on a fixed monthly pension of {$3100.00}, but now I've defaulted on my loan facing possible foreclosure. However, I am under review for a loan modification. My current mortgage is {$1100.00} for PI and {$1100.00} escrow for taxes/insurance. I am paying almost as much for my escrow as I pay on my loan. There's something inherently wrong with that. As a first time home buyer at closing, we expect the professionals to do their jobs, with truth in lending. I was deceived and totally unprepared for this massive shortfall that has impacted every facet of my life to date.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my

Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report
and other furnished Lexis Nexis, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need Lexis Nexis,  XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 
INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, NO RECORD OF SUCH ENTITY!

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 2020-05-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I tried to make a payment and i ran into a computer glitch with their company and it didnt take my payment and im still current but has a late fee on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: JPMORGAN CHASE & CO.
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:
The complaint is about the JPMCB CARD SERVICES account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Prosper Marketplace, Inc.
State: DC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
An individual by the name of XXXX XXXX called my employers corporate headquarters in XXXX ( I live in XXXX XXXX ). When corporate let me know, I had them transfer XXXX to my direct line. He wouldn't let me off of the call after repeated attempts to tell him I needed to call from my cell phone. He was extremely hostile and misstated multiple facts about my debt and situation, and told me that if I don't give him my payment information right now, he would sue me. I repeatedly told him that I know my rights under the Fair Debt Collection Practices Act and each time I brought that up, he would cut me off and keep trying to get me to give him my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Relating to master card, last numbers XXXX from BOFA I see we had problem with XXXX XXXX on this card to start with, XXXX XXXX, this was sent back to BOFA as XXXX this back to XXXX XXXX XXXX XXXX, as are my bank now. this card went to a normal offer for no interest for XXXX. Month, but I paid this back on 12 months was fully paid on XX/XX/XXXX rest was XXXX paid off, and ask for closing on the card.. 
But after that, the BOFA did not respond to the closing and made some kind of credit on my card and start to ask for monthly payment, as I have not responded to I call them and they refuse to change any, report on XX/XX/XXXX reported {$760.00} and a minimum payment of $ XXXX. 
I will kindly ask you to have confirmation from me, this Credit Card, was cut here at XXXX. XXXX XXXX This illegal activity on the card and ruin my credit score every month are not acceptable, and they should pay for the damage on my score. 
I have my XXXX  account with all payment and return payments and some balance summary from BOFA to XX/XX/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 explanation
Consumer complaint received 2018-05-14
Company: SUNTRUST BANKS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.

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 2020-06-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of EDXXXX XXXX {$1600.00} 8..XXXX XXXX XXXX  9. 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 2018-11-29
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: Personal information incorrect

Complaint:
I have requested a copy of my credit report and I still have not received the report. I am also unable to create an account through Experian to request a report or a dispute because the information showing on my credit report is so inaccurate that I can not give correct information and create an account. I have left 4 messages on their phone system for a phone call and no call has been returned. I was denied a mortgage loan due to the inaccurate information on my report. XXXX has contacted the lenders and provided me with a copy of all items that are not mine that are reporting on my report. The addresses on my report are not mine either as well as the birthdate. This was discovered the first of XXXX and the file attached was provided the first of 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 2020-07-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
i sent out multiple dispute letters and have not heard from credit bureaus

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 2018-06-19
Company: CLX Systems/ Westwood Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was attempted to be contacted by a person posing as a process server from a spoofed local area number ( not a working number when called back ) stating that they couldnt contact me so they were going to call my place of employment and supervisor as means to get ahold of me stating there was a location order out for me. They also contacted a friend and family member of mine stating that they were looking for me to serve a subpoena. The RECORDED message on my phone stated that I could stop any legal action by contacting your office at XXXX. 
There is no subpoena on record with the local court in XXXX County and no order of location out for me either ( last I checked those are issued in family court on child custody cases ).

Company response to consumer: Untimely response
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: DE
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:
XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XXXX/XXXX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XXXX/XXXX/2019 on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
who is XXXX? I am formally requesting validation of this debt, owed to this organization otherwise I am requesting removal for this posting from all impacted credit Bureaus.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This account was disputed and removed from my reports on XX/XX/2020. It has now come back on my report. This is illegal and I would like it to be removed. 

Account : 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 explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a CapitalOne credit card that I have saved for emergencies and tried to not use it. I went on my CapitalOne site to pay my other credit card and I saw that CapitalOne closed my account. Apparently in my terms and conditions that I read 3 years ago but don't remember everything that if a card isn't used for a while they could close my account. I understand that this applies but there should've been a notice of closure 30 days prior, therefore I would've used my card to keep it active. When talking to the representative he said that a notice is usually sent out 2-4 weeks after an account closes! This is unprofessional as it gives me and other like me the consumer, no time or knowledge of what is going to happen. Now my credit score plummeted because it was closed by the creditor and now I don't have this emergency card. Their answer to all of this, " I should apply for another card. '' This doesn't work for me, I want my card activated again and my credit score to  go back up but CapitalOne is not being helpful. This is a huge scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
WORLD OMNI Fhas an account on my credit report with XXXX  and XXXX  that is not mine. 
opened on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Who is XXXX XXXX? XXXX  reported that between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DIVERSIFIED. The original creditor was XXXX XXXX XXXX.New Account in Collections When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. 


I am requesting validation of the above debt formerly held by XXXX XXXX  or removal from all impacted credit bureaus

Company response to consumer: Closed with explanation