BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I wish to amend my former complaint XXXX. <P/>Part of that complaint was as follows : I was dual-tracked by Bank of America. I received an approved modification package effective XX/XX/XXXXXXXX... But they still foreclosed on my home effective XX/XX/XXXXXXXX... To this day Bank of America is still listed as the owner according to my local tax collector. <P/>Bank of America responded to my chain of title problem with this : " Regarding Bank of America 's name being listed as the owner of the property, my research shows no changes have been made to the recording of the Deed of Trust since its original recording date of XX/XX/XXXX. If you wish to pursue this matter further, we will need you to provide more specific factual detail in support of your claim and I will investigate the matter. '' And I rebutted thusly : I explained exactly what I consider to be the issue and what the solution should look like- if you search my address in the XXXX County tax collector 's site, you see that the [ BoA ] is still listed as the owner of my home. I did not make that change- what made that change is that the company foreclosed and recorded the new certificate of title on XX/XX/XXXX. Then when they rescinded the sale they did not record a new certificate of title. So even if I am legitimately vested on title, I might as well not be if there is no recorded document to that effect. I could n't apply for my XX/XX/XXXXhomestead as a result. I should not have to investigate, execute, or pay for that work- the company should do it. <P/>I 'm amending my complaint because after seeking mortgage assistance again from BoA in XXXX, I have been approved for a short sale ; however, the following communication ( also attached ) came in to my realtor through XXXX on XX/XX/XXXX : " Good Afternoon, I received the Appraisal and it had Bank of America as the owner. I have verified that the property title is showing this also. I need the Title corrected to show XXXX XXXX XXXX as the owner to move forward. I am not sure how long this will take. Thank you, XXXX XXXX XXXX '' So, after everything, I was correct, and BoA bumped me off title when they foreclosed in 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 2022-10-04
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-09-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got me credit reports and noticed a derogatory remark on my XXXX, Amsher collection services and I have no idea what is this. Account shows that it was open on XX/XX/2013. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
The balance I had on my card was a - {$640.00}. The credit was on the page of the credit card statement for 1 month. Then all of the sudden, the balance was gone and a new balance of {$20.00} was stated on the page except the " beginning balance 0f {$0.00} as of XX/XX/21 '' was also listed on the page, strange. I can show you copies of print outs if you want. Bank of America just took {$660.00} of my money by representing a new balance on the page on credit card # XXXX. XXXX XXXX XXXX, XXXX In addition, they didn't give me the {$300.00} incentive that they promised in the offer for a credit card on card # XXXX. XXXX 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 monetary relief
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good evening. I am having issues with Experian. I uploaded several documents to Experian Upload on XX/XX/XXXX. Someone later I received a letter advising they were going to reinvestigate the companies without new information. So, I contacted Experian on XX/XX/XXXX to clarify my request. The Rep advised there was an error and she would re enter and backdate to XX/XX/XXXX. I called back on XX/XX/XXXX to ensure all the companies were listed and I would receive Method of Verification. The lady advised no such thing was available and she vould send thier general process. I advised that was incorrect and I wanted to speak with a Supervisor. Upon speaking to XXXX XXXX XXXX the Supervisor he advised again Method of Verification is not available. He advised a system is used and my completed dispute is my Verification. I asked how does the customer know you really verified the information listed on my credit report is accurate? Again he said the verified dispute. I have 2 issues with that. One the same creditor is listed different ways on all 3 credit reports. Two according to FTC and the bottom of my credit report days, I have the right to request information regarding how an account was verified. As well they cant just parrot information they must make a reasonable effort to verify information.

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 2022-02-08
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter of debt collection from CMRE Financial Services , Inc.I do not believe that they are licensed in Illinois . They have an NMLS id ( XXXX ) and are apparently licensed in 11 states, but Illinois is not one of them. I am awaiting additional information from the hospital where this debt is alleged to have arisen. The debt is for {$200.00} and if I owe the debt I will pay the hospital, but CMRE should not be performing debt collection activities if they are not licensed in Illinois. I have also filed a complaint with the Illinois Department of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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: Account information incorrect

Complaint:
XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, XXXX and Equifax responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
XXXX. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/XXXX. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, TransUnion and XXXX responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on 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 explanation
Consumer complaint received 2020-11-24
Company: Credit Plus 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2019, CREDIT PLUS add a hard inquiriy on my credit report per XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: NJ
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 multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. XXXX further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 2019-07-31
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our payments are returned by PHH Mortgage Co. We are on a Trial Modification. PHH mortgage is claiming we did not make our initial payment. We have supplied proof of payment and PHH Mortgage has confirmed payment was received. Still refusing to grant us our final Modification papers. 

XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to Ocwen Mortgage Co XXXX pmt {$2700.00} ( Paid XXXX XXXX by XXXX XXXX XXXX  ) to PHH Mortgage Co XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to PHH Mortgage Co We have receipts to prove. PHH Mortgage Co sent back payments for XXXX and XXXX claiming they never got XXXX 's payment. 

XXXX XXXX payment was sent to Ocwen Mortgage Co as instructed. Ocwen merge with PHH Mortgage as of XX/XX/19. all payments are to be sent to PHH Mortgage as of that date. All payments prior to XX/XX/XXXX goes to Ocwen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
Letters was sent to XXXX XXXX and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2022-08-10
Company: EQUIFAX, 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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX  XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been dealing with Sallie Mae. They sold my loan to Naveint. I  private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up. 

Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee. 
This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?

Company response to consumer: Closed with monetary relief