BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I shared an apartment with a friend and we were evicted. My friend went to court for everything because she's a veteran and was going to receive assistance to pay the back rent, but the apartment complex refused to take the money from the agency that was there to pay the back rent. A year or so passed and I found out that I had this company on my credit as a debt owed for an eviction. I tried to contact them years ago, but couldn't get through on the number provided by the apartment complex. I told the apartment complex and I've written to the company disputing the amount due because it, at minimum, should have been divided into 2 between my roommate and I. I have also since called the apartment complex whom of which is under new management only to be placed on hold and then someone takes a message and no one calls me back. I've sent several certified letters to National Credit Adjusters never to get a letter back acknowledging that they've recieved the letters. I do have proof that letters were sent and recieved on XX/XX/XXXX and in XX/XX/XXXX. I really need this matte resolved, this is a large amount owed and I've attempted to reach them to get this verified, adjusted, and resolved without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
address is wrong on reports of all XXXX credit bureaus. updated address is provided

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Unauthorized inquiries I did not authorize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion Transunion sent me a letter dated XX/XX/XXXX( File number XXXX ) claiming that my recent request for an annual credit report was denied since I had already been provided a report this year. I called the toll free number provided today the XX/XX/XXXXand the first call sent me to a request to enroll me in an emergency alert program. I responded no. Then it reported that I had won a caribbean Cruise. I hung up and tried again. I was cut off 3 times before I was placed in a que. The fifth connection kept me on hold for 11 minutes and 4 seconds and the voice message asking me to press a button to keep connected became unintelligible, so I hung up. 
What I wanted to know was why they believe I already asked for a report. I have not contacted Transunion for more than 10 years. I have opened a new savings account recently, so maybe the bank asked for my report. But does another agency asking for my report make my personal request null and void? That would make no sense and would not let me check on who has been asking for my credit report, possibly for nefarious reasons. Please advise. ( I can not scan the letter. )

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 2023-01-30
Company: U.S. BANCORP
State: MN
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:
There was an {$800.00} cash advance taken out of my credit card that I did not do. I reported it as fraud and my credit card company denied my claim. I tried to appeal and was denied again. I am still waiting to be given any information as far as where the atm was that the transaction took place, what time of day, was there a camera available. My statement says the transaction took place in Tennessee and I live in Minnesota. In my opinion if i can prove I was at work then it was clearly fraud. I have XXXX of dollars in my savings account and there is no reason I would need to cash advance off of a credit card. 

Case # 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 2021-05-29
Company: EQUIFAX, INC.
State: PA
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:
I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: LEXISNEXIS
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:
I continue to get the account updated on my credit report and the credit bureaus will not update it with the correct information. This account is paid in full. I keep sending in letters getting current letters from the bank and it still gets updated as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: BB&T CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: IN
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 have disputed this account numerous times, this account was removed in XXXX after an investigation and has recently been re-added to my credit report causing a low credit score. I do not recognize how this account is reporting on my credit report I do not recognize the account status, high balance, or the payments associated with this account. I need to have this removed because it is affecting my Credit score so that I can purchase new vehicle for transportation so that I am able to provide for my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.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 2022-03-16
Company: First Advantage LNS Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good afternoon, I have sent multiple letters to XXXX, XXXX, and XXXX they are not complying with my dispute request. I sent a letter on XX/XX/2022 and XX/XX/2022. I still havent received any response or debt validation. The information they are reporting is incorrect and illegal. I have found information that the creditor and I will have to take to court. This is affecting my livelihood in a negative way and needs to be removed immediately. 

In Best Regards, XXXX XXXX My direct number is ( XXXX ) XXXX and my email is XXXX. Phone Mon-Fri XXXX EST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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:
The following accounts came back verified. 

I have never gotten any documentation on these and they do not belong to me. As per FCRA Section 609, Experian has failed to provide me with adequate verification. 

They also failed to investigate the item correctly and have not given me the procedures in how they made their investigation since these items can not be authenticated and I have never received any physical proof? 

Here are the items I am challenging : 1. XXXX XXXX XXXX / XXXX 2. XXXX / XXXX ... 
3. XXXX / XXXX ... 

I need to know who had the authority to report these to my credit reports since they rae completely out of line and these items have never been verified via proper signed documentation?

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 2021-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I missed an XXXX payment and got my loan caught up with my XXXX payment. Just about every month since then I have been getting escalating notices of failure to pay even though my payments are more than the minimum. I have called in several times and thought the problem would be resolved after they realized they miss credited my payments. 
The letters dont stop and become more threatening. This last letter says I am in default for {$36.00}

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 explanation
Consumer complaint received 2022-11-16
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following our request for a payoff, RoundPoint Mortgage Servicing provided us a Payoff Statement of the subject loan on our house on XX/XX/2022, with a payoff date of on or before XX/XX/2022. On XX/XX/2022, the loan was timely paid in full with a payoff of {$480000.00}. 

Despite our requests RoundPoint Mortgage Servicing has failed and/or refused to provide to us or record a Satisfaction or Release of the subject mortgage even though they were paid in full with the full amount requested of {$480000.00}. 

We have now been informed that after being paid in full on XX/XX/2022, RoundPoint Mortgage Servicing fraudulently sold or transferred our consumer loan to XXXX Mortgage who is now seeking double payments and damaging our credit. We have demanded a Satisfaction or Release of Mortgage from Freedom Mortgage in addition to RoundPoint while showing the Payoff and Wire Transfer in the amount requested in the Payoff to both lenders with no response. 

In fact, after overpaying 7 days of interest and after an insurance escrow refund, XXXX XXXX and XXXX XXXX are owed a refund of {$1600.00}.

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 explanation
Consumer complaint received 2020-11-20
Company: CBC Companies, Inc.
State: IN
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 have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Municipal Collections of America Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 at XXXX, XXXX XXXX XXXX MCOA called me about a debt collection. They could not provide me with my address and told me they had been sending letters to a different address. I told XXXX to not contact me further over the phone. I followed up the conversation by emailing their information line which was provided to me over the phone and told them to not continue soliciting me over the phone but instead mail any future communication. On XX/XX/2020 at XXXX, XXXX XXXX from MCOA called me about this debt collection. When I asked them what MCOA stood for, they disconnected the line. I then called the number back and informed them of my prior request to not be communicated with and confirmed that they were not calling to inform me they were ending communication with me or pursuing legal action. They have also conducted multiple back-to-back phone calls and when I attempt to screen them with my phone which allows for a transcription, they disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance a Chase.com mortgage based upon rapidly changing market conditions. I am currently a Chase mortgage customer. 

On XX/XX/2020, I was issued a quote for a 15-year fixed for including points of 0.265 %. 
Then on XX/XX/2020, I was issued a quote for the same mortgage product for 0.866 %. 

No difference in Credit Score or other factors was presented to the brokers. 

Chase Mortgage is using the coronavirus situation to inflate points related to a national crisis to profit and price gouge customers. 

Chase has advertised in both mailings and on their website a rate of 2.5 % ( APR 2.651 % ). This is completely a bait and switch advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : Bayview Loan Services, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX Bayview Loan Servicing filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX  Society of XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by Bayview LS. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX  is  under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4   servicers/owners. They are abusing me because I am a defenseless XXXX XXXX XXXX XXXX   that will turn XXXX next XXXX, and which health has XXXX with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The  original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. 

I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. 

XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. 

XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. 

This is RIDICULOUS and I can not afford an attorney to resolve this issue. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX was the amount and this account is not mine and was open with identity fraud I sent over a police report and lease and they still Put this on my credit

Company response to consumer: Closed with explanation