BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX. I closed on a mortgage with Bank of America. The lender had me prepay 11 months of taxes and 4 months of homeowner 's insurance. I prepaid a year of homeowners insurance as well. This violates RESPA Section 10, stating lenders are allowed 1/6th cushion, 1/12 for monthly escrow, and a year of HOI. My monthly payments follow the 1/12 rule but the prepaid taxes violates this rule. I have not contacted lender. I submitted complaint to 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 monetary relief
Consumer complaint received 2019-09-17
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My issue is with American Credit Acceptance i puchase the car. XXXX XXXX XXXX from XXXX XXXX in. XX/XX/XXXX. The car was in the shop the first week i thought it would be fine but after that it was in the shop at least 5 times the first year it was a lemon car and they knew that i aksed them to drop some of that high insterst and payment so i can pay it off i surrendered. the car in XXXX soon as it passed inspection the DMV said its worth XXXX Dollars its still sittng in the mechanic shop for months they still billing me and messing with my credit instead of getting thr car fix and selling it i have paid them over XXXX dollars and they can sell that car and get the rest of they money cause they still saying i owe XXXX after paying all them payments and that money. they are crooks and they better work something out with that mechanic. that storage fee and get they lemon car cause they not going to get one dime from me im through with that car and them let them bother XXXX. thats who they bought the lemon from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX of 2020, I processed a loan through Affirm INC for an airline ticket. I continued to make payments whilst tracking the amortization schedule. On XX/XX/2020 at XXXX pm, I received an email telling me 'your loan is all squared away '. This was the result of me making what I understood to be the final payment. 

On XXXX the XXXX at XXXX pm, I received an email informing me that a payment on said loan had failed to go through. This is a significant time after the fact that I received confirmation of my loan having been paid off. 

Now I am being told that my account has been charged off and that it will be sent to a collection agency. There was no prior communication from Affirm prior to this rather alarming notice. 

I was informed upon calling Affirm that they do not have a dispute resolution department which I find hard to believe. I also asked if this would be reported to my credit and was informed that it would report to XXXX. The agent also told me that she had seen this same situation before. 

I am deeply concerned about this practice. It includes false confirmation of debt satisfaction, failure to communicate delinquency and in my opinion deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I got my Transunion credit report XX/XX/2020, no problem. Every time after that, I have to call Transunion to verify my identity, many times the XXXX is XXXX, demanding exactly what I want and why I am calling? They make if very very hard to get my Transunion credit report? Many times they do not answer the phone, just pick up the call and put me on hold and I have to call back?

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 2021-05-18
Company: Spring Oaks Capital, LLC
State: WA
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 disputed Spring Oaks Capital LLC collection account for {$940.00} on my XXXX  report. this is not my account. In my dispute I requested them to provide proof of wet signature contract with my signature and if it could not provide or verification that per FCRA section 609 they need to delete account immediately. They were not able to verify account or provide wet signature contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$35.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Aldous & Associates, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX has fraudulent accounts on my credit profile that need to be removed 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX and State Department XXXX has fraudulent accounts on my credit profile that need to be removed 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 2019-07-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient, whom I don't know, have called many of my neighbors, who I barely know, asking them for contact information on me because they are trying to collect on a student loan. They leave the phone number XXXX for m neighbors to call them back with this information. 

They are basically telling strangers about my business that is none of their business. My student loans were never with a company called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
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: Information belongs to someone else

Complaint:
XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: PA
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

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 2017-10-03
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX Unaware of this hard inquiry

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 2021-05-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters added an account to my credit file without ever notifying me nor providing me written notice even to dispute this claim. 

My credit file states that they added this account on XX/XX/2021, however, it started reporting on XX/XX/2021. Again, no knowledge or was I allowed any opportunities to dispute. Provide proof where your company notified me of this debt. 

The entry states the that original creditor is XXXX XXXX XXXX XXXX XXXX for {$860.00}. Please provide me the original documents that give you justifications to collect any debt from me. The amount of the original debt to include the date I contracted to do business with your firm. 

I am requesting that you provide the amount you say I owe you and the signed documents where I contracted to do business with your firm. Specifically I am requesting you verify and validate this debt as I was not legally notified. 

I request that you provide my your authority to do business in my state by providing me with your license no. for debt collection in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i had XXXX  XXXX service which was automatically applied to my credit card on a monthly basis.Icancelled that service within the required time period and returned their equipment.Icalled CAPITAL ONE, my card company and told them the XXXX account was cancelled not to accept or apply any requests for payment to my card, their represenative who are in XXXX XXXX assured me they had put a stop order for any transactions from XXXX XXXX XXXX  ; i called back several to assure there were no charges being applied again all in XXXX XXXX XXXX XX/XX/XXXX i got a bill from capital one and there was a charge for {$100.00} for XXXX XXXX that they assured me would not be applied.i called CAPITAL ONE they told me they did not know what happened or why the transaction still posted., they did not offer to help or fix the problem and after spending hours on hold and numerous calls all to no avail ; i had no recoursebut to cancell the credit card. i also sent a letter to capital one customer center in utah and have heard nothing from them.this company is terrible you cant get a phone number for any office in the U.S. all the numbers listed for calls end up in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: ARS National Services, Inc.
State: ID
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:
Today a gentleman named XXXX XXXX working for XXXX XXXX XXXX XXXX contact my mother, brother, father, and wife and told them what the debt was for how much i owed and the amount they could pay to take care of it. i never once heard from the company and when my wife informed him that he was breaking the law he decided to hang up and call all of my family members back and leave voicemails demanding i call him due to her committing fraud. i emailed them a cease and desist letter and they continued to reach out to references and give them information after that. any contact they have with me needs to be through physical mail and that is all. we have the voicemails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NY
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 am the victim of identity theft and have placed fraud alerts on all of my credit reports. The telephone number on the fraud alert which is listed on my credit reports needs to be updated to ( XXXX ) XXXX. 

Since the placement of the fraud alerts on my credit reports, a number of inquiries have been placed for credit using my name and social security number that I've never authorized. 

The XXXX and XXXX XXXX XXXX XXXX Accounts that appears on my credit reports is a result of fraud and identity theft. I have filed an Identity Theft report and police report with the credit bureaus but, they are refusing to remove it. 

The matters in this complaint have not been addressed or have ever been in any Litigation or before a court of law nor are they scheduled or filed to be heard in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Amsher Collection Services, 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:
I have disputed Amsher Collection Service multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation