BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: NJ
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:
during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: AZ
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:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. 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 2019-09-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems. 

This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-06-04
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company did not provide all of my mortgage statements from my last complaint # XXXX. I made payments to Selene Finance as far back as XX/XX/XXXX to the present XX/XX/XXXX. I would like all of my mortgage statements sent to me. We never received one statement. Our XXXX requested multiple times by voice and email that the statements be sent to my home address. I would like all statements sent to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NJ
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized UCS Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I request you immediately remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account was transferred from one loan servicer to another. The original servicer did not apply the final payment and I'm being harassed when in fact I am a month ahead on my payments. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.

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 2019-09-12
Company: Cumulus Funding LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is a shared income loan. I was unaware what this meant exactly but now see the issues with this. Issues I'm having now primarily stem from trying to get a hold of an agent at this company. I made a large payment hoping it would reduce the amount of the loan, which it did not. I was sent a notice that my payment would be going down however due to the large payment. I had been trying to get a hold of them to find out exactly how much my payments would be. I attempted by phone and email several times and was still unable to get a hold of anyone. The first payment since has been withdrawn from my bank and is the same amount that it was previously. They've changed nothing and still have not contacted me. I have again attempted to contact them by phone but continue to be routed to their voicemail. They have, in the past, taken a payment out of my account a week earlier than scheduled. Luckily, I had the funds to cover, and it took 3 days to speak to anyone regarding that. I question if this company is a real company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX phone # XXXX. I am obviously not going to pay or reply.

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 2018-12-21
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: Information belongs to someone else

Complaint:
On XX/XX/18 I sent the company a signed certified dispute letter with an identity theft affidavit regarding the disputed fraudulent account, costing me {$7.00} in postage. 

On XX/XX/18, I received confirmation that the company in question received my certified packet with the contents listed above. According to the Fair Credit Reporting Act, Section 611, the company has 30 days to review and re-investigate the disputed account. 

On XX/XX/18 I paid my credit monitoring website, XXXX, a fee of {$24.00} to review all three credit bureaus and I noticed that Equifax had not removed my disputed account. It has been over 60 days since submitting my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 reported an alleged Capital one credit card account to credit reporting bureau for investigation. After the merchant, Capital One bank, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, Capital One bank has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The Capital one account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts.

All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Mobiloans on XX/XX/15 I was under the impression that I would like not be charged a one time finance charge how we I have learned that there is a high interest that is accrued monthly. After doing the math I realized that it would take several years to pay off the loan. I am now unable to pay for the loan and have been unable to get in contact with anyone from the company. They are also reporting to XXXX credit reporting f and that was not disclosed. They also do not provide payment history. I have recently learned that they should not be conducting business in the state of California.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-07
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I called over the phone to speak to a rep with Experian to do a dispute about errors on my credit report. First I had unauthorized inquiries that the Experian agent would not dispute which said was too many and I would get an email in 48 hours to submit the disputes and the disputes that I was able to due over the phone came back the next day, first of all, it can take up to 30 days to dispute. I don't believe a real investigation was done and I lied to by the rep that the inquiries are not hard to pull because I told the rep I was denied credit she was incorrect and also I was lied to about that I would receive an email to dispute my inquiries. Experian has been very difficult to dispute you cant even dispute online because the site is always down so I am filing a complaint to have them either submit the email to be so that I can dispute as they stated or reinvestigate the disputes I did put in and I have also called the companies of the unauthorized inquiries and was stated no record was pulled from my file. So now I ma in the process of writing letters to have the errors remove as it is my right to do this but Experian is not representative of the FRCA

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 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX our deposit ( {$2500.00} ) was accepted without a hold and our online account reflected the full funds in the balance XX/XX/XXXX. The payroll check was drawn on XXXX XXXX XXXX from a business account we have owned for over 25+ years and not one payroll check has been returned in that time frame. We have had a personal Bank of America account for over 30 years so there is a consistent pattern of deposits of these payroll checks being accepted without issue. The next day ( XX/XX/XXXX ) we confirmed the deposit and processed some bill payments. The following day, which was three business days after deposit or XX/XX/XXXX our balance reflected a reversal of the deposit, putting our account into overdraft. BofA explained the reversal based on suspected fraud claiming the XXXX XXXX XXXX check was possibly fraudulant. Since we owned the XXXX XXXX XXXX payroll account we had proof it was not fraudulant having hard copies of the XXXX XXXX XXXX payroll account showing the funds CLEARING the account and confirmation of BofA receiving the funds before BofA withdrew our deposit. We had proof the funds left XXXX XXXX XXXX but BofA still took our funds out of our account. We personally spoke to a branch representative who said they would look into it as well as speaking with a phone representative. Each time we asked they contact XXXX XXXX XXXX since we had hard copies of the account activity but they said that was not the process. The outcome was the funds were returned immediately ( day three ) to cover the bills. The scary part? None of the transactions are reflected on the statement. The negative balances disappeared, the day one deposit  disappeared and instead, the deposit is now showing a back-dated date of XX/XX/XXXX. Absolutely no paper-trail of the actual activity. Does the Congressional Committee for Finance find this acceptable behavior? If the bank claimed " Suspected Fraud '' on just 10 % of all consumer deposits in a {$2.00} trillion company they could change their balance sheet and people like me can't do a thing about it. We can't float checks anymore but BofA can float deposits at will? I will be closing my account, and there is no acceptable resolution since the issue is integrity and trustworthyness.

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 2021-08-20
Company: Rent Recovery Solutions
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:
I am disputing this debt because I was never notified of an attempt to collect a debt and given a chance to dispute. I have a right to be informed and my rights were violated. I also do not recognize this debt and I am disputing the accuracy of the information. 

This collection was reported to my profile on XX/XX/2021 but shows an assignment date of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: ID Analytics, Inc.
State: CO
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:
ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit.


XXXXXXXXXXXX

Company response to consumer: Closed with explanation