BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.

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 2021-02-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, its unfortunate that these two accounts from National Credit Adjusters have re appeared on my report that were currently removed! Validation or signed agreement was never sent! I also didnt receive an reinsertion letter in mail within 15 days which is Another VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : XXXX XXXX XXXX refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. XXXX has reported this on my credit report. This has negatively effected my good credit score. XXXX sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: FL
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:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )

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 2015-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NY
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:
There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including XXXX but no resolution or help has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I attempted to sign up on Navient 's website for recurring monthly payments from my savings bank account. The process seemed to go smoothly, and I received a message on the website saying that it had been successfully enrolled. and that I could expect my monthly payments to come from that bank account moving forward. 

On XX/XX/XXXX, I received an email from Navient that my auto-pay enrollment had been cancelled. The message noted that " the bank account information provided was incorrect or invalid. '' Later that day, I called Navient 's customer service to resolve the matter. The customer service representative reported that the scheduled auto-payment had indeed been completed, even though I told them that it hadn't shown up on my online bank statement yet. 

On XX/XX/XXXX, I received an email noting that my payment had not been processed. When I logged onto my Navient account, I saw that my bank account had been deleted, so I entered it again -- again, registering for auto-enroll for my bank account. 

On XX/XX/XXXX, I received a past due notice by email about the payment. When I called customer service on XX/XX/XXXX, they told me my bank account had been " blocked. '' They said that it was an invalid bank number, even though it was all correct. They said that the only way to " unblock '' it would be to request that my bank fax Navient to verify that the account is " valid. '' At this point, Navient is charging me a late fee, and I still can not register to make automatic payments from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting. 

I requested a Qualified  written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act. 

When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ). 

The information Caliber home loan responded to, it doesnt address the real issue that started this. 

It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX   XXXX, therefore, we or not obligation to provide that information to you. 

A failure to provide information regarding a loans is a violation of the Fair Housing Act. 



Please call me at XXXX if you have any question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/12 I went into my Synchrony Home  account and found that ALL ( 6 ) of my Synchrony accounts were CLOSED. I have had several of these accounts for over 10 years and have never missed a payment on any of the accounts. Typically pay more than the minimum and often pay off promo purchases early. I have over a 700 credit score and have not ever missed a payment on anything on my report. When we contacted Synchony they said a random review of the credit bureau led them to think there may be an inability to pay .... based on what?? I read a ton of reviews and hear that they did the same to many others, they just increased the credit limit on 3 of the accounts and they closed them less than 2 months later ... makes no sense! The worst part is that now my flawless credit report will be damaged because of them!

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 2021-07-12
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
My TransUnion credit score went from XXXX to XXXX in a matter of weeks with nothing on my credit report nothing in my collections and nothing explaining why my TransUnion dropped from XXXX to 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 2020-08-21
Company: ALLY FINANCIAL INC.
State: NC
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:
XXXX is report a miss payment from Ally bank my Auto loan. I have documents for Ally bank stating I was never late on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened a Crypto Currency Account with Coinbase approximately three-four years ago. During the month of XXXX XX/XX/XXXX I received several text messages of a pending withdrawal from my account. It advised that if it was not me I should click on the link. I did not do so instead removed the Coinbase App from my cell temporarily. During XX/XX/XXXX I reinstalled the Coinbase App and it did not recognize my email or password. I communicated to Coinbase of the problem at least a dozen times by email. The reply I received is that my account is locked. I have tried to have Coinbase unlock my account by way of numerous emails without a satisfactory reply and sometimes no reply from Coinbase. I do not have access to my account despite my plea. Coinbase refuse to address my issue and my funds remain in their custody for the past six months. How can I resolve this issue and or close my Coinbase account. Coinbase remain in possession of my money under the guise that my account is locked despite all my efforts to identify myself as the authorized client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
During loan period, lender has charged excessive late fees. There is a 10 day grace period on payments made. Payments are due on the XXXX of each month. Lender has charged late fees on the XXXX day of the grace period, on 4 occasions. Reason I was given for these excess late fees was ... '' your payment is due on the XXXX, not the XXXX. '' I have email correspondence of my and lenders conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us

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 2020-10-13
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.

Company response to consumer: Closed with explanation