BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX which was charged off in XX/XX/XXXX in the amount of {$2300.00}. On XX/XX/XXXX, I could not use a debit card, called my bank and they told me I had a levy put on my account in the amount of {$6100.00}. They referred me to the XXXX Sheriffs dept. I called the XXXX   sheriff 's dept. which informed me that I had a judgment against me, they gave me a phone number for XXXX XXXX XXXX which turned out to be the Law offices of Robert J. Colclough , III. I called and he informed that he represented XXXX XXXX XXXX XXXX , XXXX. I contacted XXXX the original debtor and they sent me a letter which stated the account was sold in XX/XX/XXXX to XXXX XXXX XXXX. 
I had never received a judgment or notice of a judgment or was ever served, so I went to the courthouse in XXXX XXXX XXXX, XXXX XXXX division and pulled the paperwork. I found that the XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX sent a notice dated XX/XX/XXXX, stating that they represented XXXX XXXX XXXX XXXX , XXXX According to all of the paperwork, I was served 7 times, none of which I received. Some to a residence I no longer resided. On XX/XX/XXXX, the judgment was substituted to the law offices of Robert J Colclough III, to continue with the case, On XX/XX/XXXX, the law offices of Robert J Colclough III, finally sent me a notice that I owed {$6100.00} and to contact them with payment arrangements. Since they already levied {$3700.00} from my bank accounts ( my Mother 's inheritance ), On XX/XX/XXXX, I faxed them a letter requesting that they accept the amount of {$3700.00} as payment in full and to please file a " satisfaction of judgment '' with the court. and to close the case. I did not get a response from them. On XX/XX/XXXX, XXXX XXXX XXXX XXXX filed another levy notice from the XXXX Sheriff 's dept. requesting {$4100.00}. They did not subtract the amount of {$3700.00} from the original {$6100.00} that they had received, nor sent notification or acknowledgement of receiving the money.

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 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I was threatened to make a wire transfer in the amount of {$26000.00} from my bank account ( Bank : Bank of America ) to a fraud person claiming to be a social security agent. I filed a claim with the bank but it did nothing to help me receive my money back. I also filed a police complaint but even the police put up their hands. The Police report # is the following : XXXX. I request to please help me with this matter. That honest, hard-earned money was going to be used for a significant life goal I was trying to accomplish. I would really appreciate any help I can get. The bank is inefficient at this point in doing anything.

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 2021-07-19
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of XXXX, I made many requests for an escrow analysis, I received one around XX/XX/. In North Carolina, we are to get them in XXXX. After reviewing this analysis ( attached ) there is not a clear explanation for the {$39.00} dollar increase in the mortgage payment, when the escrow is requesting a payment of {$63.00}. This amount broken into 12 payments is {$5.00}. On the payment slip, it states this is not a bill.

I would like to make the additional payment to keep my monthly payment at {$660.00} and there appears to be a discrepancy in what I am supposed to pay for escrow balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are many mistakes appear in my report without my understanding.

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 2020-01-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've reached out to NISSAN MOTOR ACCEPTANCE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name NISSAN MOTOR ACCEPTANCE Account Number XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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've reached out to PENNYMAC LOAN SERVICES L and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. 

Account Name PENNYMAC LOAN SERVICES L Account Number XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXl XXXX bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by XXXX XXXX due to my credit limit of XXXX dollars. 

I have attached document from XXXX XXXX regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Kabbage emailed a targeted promotion to my email address ( XXXX ) offering a {$300.00} cash bonus when completing the following requirements : 1. Open a new Kabbage business checking and make a deposit 2. Complete a miminum of five qualifying debit purchases 3. Wait up to 8 weeks for bonus to post These requirements were completed in XXXX. After many, many hours waiting on hold with Kabbage, they verbally confirmed the bonus was pending and should have already posted, but they were having " backend technical issues. '' They promised me the {$300.00} bonus would post by the first week of XXXX. 

Nothing ever happened. Multiple emails to customer service went unanswered. Secure messages from within the account went unanswered. When you call the posted customer service phone number, after waiting on hold for 1-2 hours, the system automatically ends the call. It's the worst, most disorganized mess of a bank. I've read hundreds of similar complaints online. Kabbage eventually made the {$300.00} checking account bonus available to everyone, and I suspect that they were completely unprepared to handle the customer service requests resulting from this bonus offer. 

I never received the {$300.00} bonus. Kabbage is also withholding {$51.00} of my own deposits. To this day I can not get anybody on the phone to close the account or withdraw my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Corp Solutions has called me EVERY DAY. I have a call from today at XXXX XXXX  from them, Thursday they called me at XXXX, they call me multiple times during the day, they call me at night when im at work. They've been doing this for two weeks. They call from different numbers each time they call me and im constantly blocking different numbers every day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my payment on time but it was short although I was unaware at time that payment had changed due to end of year refiguring. They put that payment into suspense and took my next adjusted full payment and applied to last payment leaving me a month behind. They never contacted me and left the other payment in unapplied account. This went on for year and a half during XXXX. I did get statements showing payments behind at the time and late payments some showing current some showing XXXX payments behind XXXX showing shortage that I sent and I even paid late payments. During this time I also received a letter saying payments were being received late due to mail problems so I sent my payments earlier to avoid late payments. Never advised I was showing a payment behind. Eventually they charged my mortgage account for bad debt insurance policy. I am on XXXX for XXXX XXXX and admit I can not handle stress and easily get confused on paperwork when I used to be Comptroller and handled huge accounts so I avoid conflict but I finally called and started the fight. My bank informed me that my online payments do not go through the mail but are ETF and they get same day, eventually I argued with Wells Fargo all day and found out they held my payment in an unapplied account for months then applied supposedly to my balance instead of payment. They took into profit all my late fees although I was not late. They took into profit a bad debt insurance policy they created without my consent and Im sure have renewed each year and affected my credit with no reason whatsoever and when they discovered their mistake offered no apology or recompense.

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 2020-10-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXXXXXX XXXX2020 Verification letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I identified what appear to be several fraudulent transactions on my Bank of America credit card account, following extensive travel within the US.  My card was no longer in my possession, and it is my belief that the card was stolen and/or cloned, as there were many transactions that I could not identify during this period. I contacted Bank of America over the phone, attempted to identify all possible fraudulent transactions with the attending agent, and was informed that a fraud investigation had been opened. 

On XX/XX/2019, the Company issued several provisional credits for these unidentified charges. In the subsequent three weeks, I have received no written correspondence as to the opening of this fraud claim nor its ongoing status. Rather, to obtain the latest status report, it appears I am being forced to access the online Message Center, where the status this entire time has and continues to be, " Researching claim ''. 

I do not believe this behavior is in compliance with the Fair Credit Billing Act, which requires formal written correspondence for these matters. Additionally, I would note that I have never opted into paperless delivery of any account communications, much less something as significant as fraud. 

Further, I do not feel my consumer rights are properly protected, if I am being forced to continually access the portal for updates or possible future information requests from the Company during their process.

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 2023-08-12
Company: EQUIFAX, 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:
The law states that I the consumer requires written consent for my information to be furnish to any third party agencies. I never gave my consent to publish any information of mines, it is a direct violation of my rights according to 15 USC 1681B, please remove all files included in this report, in addition this is my second time requesting these items be removed and according to 15 USC 1681I The reporting agency that claimed items were verified did not provide anything in writing showing how items was verified and accurate. Because that information was not provided within a 30day time frame by law these items should have been deleted from report. As a consumer my character and rights has been violated and I DEMAND A DELETION OF ALL ITEMS IN THIS REPORT INCLUDING ( Dep of Ed ACCT XXXX XXXX XXXX, Department of Ed ACCT XXXX XXXX XXXX, Dep of Ed ACCT XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, IF not deleted I will be force to take Court ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union is reporting that I have a current child support order on me. Which I do not. The order is closed already and even though I am current on my payment and they even report that. They are still showing that I am over 90 days late also. How can I have been current for over 24 months straight but that are reporting the late payments from XX/XX/2018 and before. Yes I still have the balance but if they show me as current, why leave the old payment history just to destroy my credit score for no reason.

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 2023-08-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 2022-08-17
Company: EQUIFAX, INC.
State: TX
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 am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because Account-XXXX Consumer Account - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
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:
XXXX  IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Garrison Investment Group
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Me and my husband took this loan out to pay for our roof. I had setup automatic payments of {$200.00} sine XX/XX/2018 with no issues. Then something happened where the payments weren't being taken out and I never changed anything. Then I notice that my account was past due and I immediately made a payment. I don't think that it is fair to have reported us late when we never took the account of automatic payment. Now I am scared to put it back on automatic payments because I don't feel that it will get paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation