BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: First Advantage LNS Inc.
State: PA
Product: Credit reporting 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'm NOT liable for this dept with XXXX XXXX PA ( XXXX XXXX ), I do NOT have a contract with NATIONAL CREDIT AUDIT CO, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt, as this DEBT with XXXXXXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency NATIONAL CREDIT AUDIT CO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: Liberty Holdings, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, my mother gave me a letter that she received in her mail. The letter was from a collection agency XXXX XXXX XXXX XXXX XXXX demanding payment for a XXXX XXXX bank. I remember my mother paying off my debt I owed to the bank. My mother had a copy of, proof of payment through a different collection agency for the same thing. Therefore I took the letter to the bank and asked why i received this letter knowing the debt was paid. The lady at the bank took a copy of it and let me know not to worry about it. In XXXX of XXXX I noticed i was being garnished from a liberty acquisitions servicing llc for {$21000.00} since XX/XX/XXXX. I was mortified! I found out this garnishment was for XXXX XXXX. I started calling around asking question and information, that I was denied of. So after collecting {$1600.00}, they stopped the garnishment on XX/XX/XXXX. I thought this was over, but on XX/XX/XXXX, I received a garnishment letter from the same collection agency again. this time garnishment is for {$5800.00}. Their attorney signed the paper on XX/XX/XXXX and my wages started to be garnished on XX/XX/XXXX before I even had anytime to dispute it. I called the agency and let them know this has been paid off already and sent them a copy of the proof of payment. Their attorney XXXX said that this proof of payment is not satisfactory because this debt is for a credit card and not a bank account. I was super confused at this. He took a picture and sent me a picture of what account it was for. On the judgment it says that i had opened a credit account on a SUNDAY of XXXX. I have been qualified for home loans and car loans, my credit history is clean, it shows no debt. I have a credit report from XXXX XXXX from XX/XX/XXXX, and this " debt '' is not on it. the attorney can't seem to explain any of my questions. I asked him to send me the entire judgment, but instead he just took a picture of the front and sent it to me. I do not claim or will I ever claim this debt for this is not mine. I never opened any credit card accounts until XXXX but from a different bank. This seems very fraudulent, due to them not wanting to give me any information regarding this debt, not following proper procedures, garnishing greater than total amount owed ( they said the original amount was {$1100.00} ), failing to give timely notice of garnishments. I have asked them to refund me all the money they stole from me, but they denied me of it. I am reporting this as a fraud due to never having a credit card account of the year XXXX, SPECIALLY opening the account on a SUNDAY. Case # is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-08-13
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.

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 2023-12-21
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a van through ally finacial. The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the ally financial website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that Experian has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original mortgage was through XXXX XXXX XXXX a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX  with a jumbo loan from  for $XXXX with XXXX  down and 100% financing on a 30 year ARM  with a 8.5% interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my teaching job in XX/XX/XXXX as my position was eliminated as a reduction in force.  I was forced to file bankruptcy in XX/XX/XXXX. After my discharge, Bank of America offered a  loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired.  I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans.  I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XX/XX/XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XX/XX/XXXX is a subsidiary of Bank of America.The notary on the document XX/XX/XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have  the certificate of non fact filing from XX/XX/XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and "looks" legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No.  I was able to find out that my loan has a blank note endorsement and anyone can just endorse the note and assume ownership and its all legal. How is this happening? How can DC Recorder of Deeds  assign my home valued at over $XXXX to someone else in a transaction for less than $XXXX bucks? How can Bank of America be allowed to use the law perversely and circumvent the foreclosure process for homeowners? How can XXXX XXXX be allowed to commit fraud using a fraudulent notary to assign the deed to my home to themselves so they can foreclose on a home they are not vested in?

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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a business bank account with Chase in XXXX in early XXXX and deposited XXXX using a check from my personal account. After the check cleared and funds deposited into the account, Chase informed me that they couldnt verify my ownership in the llc and closed my account and froze my funds on fraud. Its has been a month of going back and forth with the back end office and the help of my banker from the branch and they still would not release my funds. Their excuse is they cant verify my ownership in the Secretary of State website of PA. So I had made numerous calls to the department of state of PA and was informed and confirmed that PA down not recognize owners in LLCs and once its submitted during incorporation, they do not change it on their website. 
The state employees gave me instructions to file an amendment for certificate of authority, which shows my name and address as the owner of my LLC and I paid XXXX dollars to expedited on the XXXX of XXXX. After I sent in the supporting documents, Chase came back and said they dont accept it with no further explanation. I have them the benefit of the doubt and went on to try and open business accounts at both XXXX XXXX  and XXXX, which they approved in less than 3 days. At this point, my banker and I have filed many complaints towards the back end office and trying to get an explanation of why they still wont open my account and release my funds with no response. I called back to the department of state to check again if there is anything more I can do to show that I indeed own my company, which they say the only thing left is to file a statement of correction and remove XXXX the XXXX XXXX XXXX and have my name appear. In which I paid anothe XXXX for expedited fees and had sent it over a few days ago. And now, still no response from so called team who should have the basic knowledge or competence to pick up a phone and verify with the department of state of the information they received. But as of right now, there has been no response or explanation of any kind. This is unacceptable and just a disappointment for such an institution to be treating Americans who just want to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MN
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 recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX US SM BUS ADMIN DA Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Resurgent Capital Services L.P.
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:
I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
When I checked my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX Bankruptcy Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.

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 2019-10-20
Company: ECMC GROUP, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt appeared on my credit report and i contacted the company regarding this debt and provided the account number listed but to no avail my issue was not resolved. i was not provided proof of the contract I signed or if this debt is even my debt. I disputed this claim solely on the basis that i have no knowledge of this account and the company will not provide the neccesary proof that this is my debt. The debt is for {$2600.00} and {$850.00} and I have been damaged by this matter from not being able to access credit from other organizations.

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 2023-04-11
Company: DISCOVER BANK
State: GA
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:
XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 DISCOVER BANK {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In all of 2021 I got marketing advertisement mails from one main financial local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my XXXX credit report on : XX/XX/2021 & XX/XX/2021 one main financial po box XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my XXXX report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them. This affidavit does not reference the specific online account opening and inquiry with my credit report. I do not wish to provide any of my personal information to one main financial because Identity Theft & Fraud has already occurred and they have failed to stop sending marketing mail to me at my home after I requested & reported numerous opt outs. I was informed that the only way they would show up on my credit report inquiry is if I filled out a loan application with them which I never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
First, I was never put on forbearance during Covid pause and my auto-debit payments continued. 

I called Aidvantage on XX/XX/22 and XX/XX/22 to request refund for payments towards Direct Loans that I made during the Covid pause. According to government guidance, I am eligible for the refund. I called specifically to get this processed before my consolidation went through and before my loans were transferred to XXXX because I am applying for XXXX. 

I called Aidvantage on XX/XX/22 and found out that Aidvantage never submitted my refund request. This has made my consolidation/PSLF process even more complicated. If my refund was processed as it was originally requested, everything would have been included in the consolidation. Now, I need to re-submit another form to add reinstated loans. 

The Aidvantage phone representatives were not knowledgeable and gave me incorrect information on how to request refunds for eligible loans. In addition, they failed to process my original refund request in a timely manner. The loan servicing specialist who have been answering my emails have been very helpful and commendable and the only ones who gave me clear answers however I am unhappy with the customer service over the phone.

Company response to consumer: Closed with explanation