BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with this company and they have yet to remove a medical bill from my credit report.This collection is in direct violation of my privacy rights protected under the federal HIPAA law. HIPAA does not regulate credit reporting of medical bills. I demand this be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA Bank I received a text XX/XX/XXXX that my ex-husband had been added to my profile at USAA. When I called, the first agent told me there were 4 accounts under my soc sec that I was listed as trustee but she was unable to give me any info on the accounts ( I have three daughters ). The third agent that day with the fraud department started to give me the account info, then stopped because it was noted that he wasn't allowed to share info with me. Within 10 minutes, he claimed that suddenly my accounts " disappeared '' and that I no longer had accounts with USAA. 
Since, I have tried to get through multiple times - every other time, the agent says I have/had accounts and they aren't allowed to give me info because of their dedication to customer privacy. OR, they tell me accounts never existed. At one point, a woman walked me through the security questions so that she could give me XX/XX/XXXX ( and XX/XX/XXXX ) tax  paperwork ( I am responsible for the 4 of our filings ). Then, could not proceed without my ex verbally verifying himself as well, per notation on accounts that he was required to issue permissions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.

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 2018-04-13
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my relatives ( sister ) asking for my information. They keep calling various times throughout the day and calling outside of business hours. They need to stop NOW. They need to only be contacting me via mail and NO ONE ELSE. I will only accept their communications via US MAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX, l opened equity line of credit with Bank of America because I had over XXXX credit scores. At the time of application the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX XXXX XXXX XXXX XXXX and was approved for $ XXXX equity line of credit ; while the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX approved for $ XXXX equity line of credit. I was allowed to withdrawals {$25000.00}. Unknowingly, Bank of America staffs fraudulent in Delawares office sold the loan to XXXX XXXX, a private investor in Delaware doing business with Bank of America within XXXX XXXX building. XXXX XXXX the servicing company offered the mortgage and didnt offer me the opportunity to pay the amount owed. Currently, XXXX XXXX is servicer of the HELOC mortgage and demanding a payoff of over {$65000.00}. A payment of over $ XXXX was sent to make the monthly mortgage payment up to date but XXXX XXXX refused the payment and hoping to sell the property in sheriff sale scheduled for XX/XX/XXXX. 
The second property is not currently not current in making payments and the bank has fraudulently changed the title to read XXXX XXXX without my knowledge and refused to provide me with accurate monthly banking statements. Bank of America staffs are so unpredictable. In XXXX when I first filed chapter XXXX bankruptcy. Bank of America closed my savings and business account I opened with the bank since XXXX. I pleaded to reopen the account. My request was denied. It seems the bank is about to do the worst for fraudulently changing the names in the originally deed to my name and stopped to provide me with monthly statements to gain the chance take over the property for non payment. Before now, I once presented settlement offer of {$25000.00} but the offer was refused. I am still willing to make same offer to resolve the mortgage problem. 
Third incident involves XXXX XXXX XXXX and I was asked to service the loan with a signed power of attorney ( POA ). The property is located at XXXX XXXX XXXX XXXX, XXXX. I made efforts to keep the property for the family by engaging in settlement negotiations. Finally, Bank of America obtained judgment and appeal was filed and reconsideration motion was also filed. The bank connived with the Attorney and illegally sold the property without proper procedure. I have not heard from the bank to know if the property was recovered.

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 2021-08-18
Company: EQUIFAX, 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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) reporting inquiries without my permission as well as inaccurate reporting of the collection as an " Open Account ''. Also, some inaccurate reporting that needs to be removed immediately. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted multiple disputes to Experian credit bureau in regard to several old credit files with several creditors that are closed. This is the second time I do so. I have previously done so and no changes to my credit scores are made. I am requesting the assistance of this entity to improve my credit scores to purchase a home and other matters etc.

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 2018-06-07
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
chase card has reappeared on my credit report after having been removed, 2 items, both with XXXX balance but shows XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: The CBE Group, 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: Old information reappears or never goes away

Complaint:
CBE Group continues to report old and paid collection on my report their client is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit bureaus have fraudulent inquiries on my reports, i need them gone per law 15 U.S. Code 1679c

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 2021-04-07
Company: Receivables Performance Management, LLC
State: GA
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:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account for {$500.00} ; I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with 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
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. 

I am sending this complaint through this portal because I believe this is the best option to get a fair solution to this issue. 

LVNV Funding is playing with my rights as a consumer. The account information is teh following : account # XXXX, opened date reported XX/XX/2019, original balance {$2300.00}. 

Here are some violations to the FCRA committed by LVNV : 1. Double reporting 2. Reporting an incorrect opening date 3. Unfair business practices This is causing me XXXX  stress, and some other negative impacts on my health. 

Please send the attached documents to LVNV Funding. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has failed to remove the hard inquiries on my report as requested in both letter and over phone. 
Transunion has also failed to remove a account that was fraudulently reported by XXXX XXXX. the account continues to show derogatory and revolving after two years of requesting validation an a letter from XXXX  stating the account is not valid as well as a discharge order that was ignored. 

transunion has refused to remove a bankruptcy they can not verify despite a notice from the bankruptcy court. 

they continue to knowingly report false information after multiple attempts to correct this. 

They are showing a derogatory account from XXXX XXXX that was resolved

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 2021-08-18
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please see attached letters and documents that explain the situation. 
All documents attached have been submitted via email to the CEO of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XX/XX/XXXX, I contacted Capital Accounts to see exactly what the balance is of my debt owed, this is a medical debt that is under a Debt Management Program since XXXX and payments are made every month. I was told that the balance was XXXX, the balance on the DMP isXXXX, I brought this to their attention, I was then at that time made aware that they are charging interest, the original balance is XXXX, my wife contacted the Dentist office, who does not charge interest, under TN law if there is no interest in the Original contract and I didn't agree to it, they can't charge it. I asked the collection agency associate handling my debt when did they start collecting interest, she stumbled a lot on the phone then came back with XXXX XXXX XXXX the date the dentist office stated they turned it over to them, then I asked how much is the interest, what percentage rate?, the associate could not give me an answer, she stumbled quite a lot on the phone, so I repeated the question, again she never answered and then there was silence on the phone, which I waited to see if I was put on hold, waited a few minutes then the phone hung up. I called back, they answered and I asked for the associate 's last name, I asked twice and I was told there was no one that worked there by that name. Upon what information I found out today that I didn't know, they are fraudulently collecting interest on a medical debt for financial gain, they are using deceptive practices, in violation of FDCRA, the associate also claimed that they never received anything from the DMP, I know better than that, cause they are the ones sending them the monthly payments. They were caught in a lie, the associate also stated she knew nothing of the FDCRA as my wife tried to tell her, after I gave my wife permission to talk to them, the associate didn't want to listen after my wife caught her in a lie too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, Experian, and XXXX  and they have not removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX  helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.

XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.

Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.

Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX   found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.

I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.

Thank -You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. 

I purchased my home about 2 and a half years ago and financed it with XXXX XXXX XXXX ( XXXX ). Recently I received a letter telling me the loan was sold to TIAA bank. 

TIAA Bank recently sent me a letter telling me my monthly payment is about to go up over {$150.00} a month. It has very little to do with increase in insurance and taxes premium, but it has to do mostly with a policy the have which apparently requires an additional 2 months cushion of the mortgage payment. 
I have discussed this with them several times and I just keep getting a " that's our policy '' from them. However I have expressed to them several times that I understand TIAA bank purchased the loan since I know this happens in the mortgage world, however they need to honor the terms and conditions of the original loan and those terms and conditions were not there. 
I did not sign the agreement with TIAA bank, but with XXXX. I don't think they can legally add additional terms and conditions to an existing loan. If they purchased the loan, they should have purchased the loan as it was. 

I have also requested a deep escrow analysis since there seems to be funds missing from the escrow account. Please help me resolve this issue. 

I'm a government employee currently in furlough and this affects me now even more. Thank you for your time. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Selene Finance LP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were awarded a loan modification XX/XX/XXXX for {$4000.00}. We had to file again in XX/XX/XXXX. A process that took 16 mo, only to be told we didn't qualify. Placed us in foreclosure. I had to take other measures to save our home. Only to find out that the company was awarded {$5800.00} on our behalf. Why were we in foreclosure if the money was awarded to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: KY
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple account holder owned by BBVA, Simple service/accts/app closed, requiring Simple customers transition to BBVA on XX/XX/XXXX. During online BBVA account creation, the process did not complete. Have been repeatedly calling Customer Service # s provided by BBVA to transfer remaining funds out of BBVA/Simple and close my acct. After 15+ calls, have been disconnected or hung up on by CSRs/TSRs.

Company response to consumer: Closed with explanation