BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Amerisave loan account has been erroneously transferred to the Amerisave Bankruptcy Department. I am not in bankruptcy nor have I ever filed for bankruptcy. My mortgage payments to Amerisave have never been late. On several occasion I have respectfully requested that my loan account be removed from the Amerisave Bankruptcy Department and place back in good standing. Amerisave reported my account to the credit agencies causing my credit score to drop over 250 points. 
I have spoken with XXXX, XXXX, XXXX and several others from the Bankruptcy Department and they were unable to restore my account to good standing, nor could they offer any explanation to justify this error. 
My mortgage statement dated XX/XX/XXXX indicates that on XX/XX/XXXX I was charged {$350.00} for Foreclosure Attorney Fees. I AM NOT IN FORECLOSURE OR BANKRUPTCY! 
Please keep in mind that I am never late for a payment and I always pay about {$650.00} extra to be applied to my principal. 
Please Help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: MO
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:
I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 ) XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$100.00} Reporting unknown which means it's incomplete, please delete this account.

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 2019-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help

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 2021-02-08
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They are calling all the time and they are representing themselves by saying the officers are coming to get me. They have gone as far as to reach out to my wife 's ex-husband. They have contact folks we have no idea how they got the information and no they are threatening, my family and step- children. This needs to stop. I have spoke to them and let them know that due to COVID, I am currently unemployed and don't have the money. Even advise to just add to my credit. But, they continue even as late as XXXX and as early as XXXX they are calling. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: FL
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:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in the public service student loan forgiveness program. In checking on my qualifying payments as I near the end of my ten years of service, I found two months that were not counted and called MyFedLoan to discuss those months as I have always been enrolled in automatic payments that were deducted from my checking account. The months are XX/XX/XXXX and XX/XX/XXXX. I was told over the phone in XX/XX/XXXX by MyFedLoan that those months occurred because I was not billed when my loans were transferred between servicers. I asked if I could make those months up since I was on automatic payments and was not advised about this happening. I was told that MyFedLoan had opened a formal inquiry for me and would get back to me to let me know if I can make those payments up. I never heard back, so I wrote to them on XX/XX/XXXX, asking to make those payments up. Again, I have never had a response. 

In reviewing my records, my loans were not transferred to different servicers on those dates. They were still being serviced by XXXX, who took my payments via automatic deduction. XXXX did not tell me they werent taking those months and never gave me the opportunity to make those payments up. MyFedLoan says I wasnt billed at those times, but there was no way for me to fix it since I was on auto-payment and was not notified about this. 

Two months toward my 120 required payments for loan forgiveness will help me a lot because my family is moving to Colorado for my husband 's job and I do not want to stay behind with our XXXX being apart from his dad any time beyond what is necessary to finish this program. Anyway, I have never heard anything back from MyFedLoan about whether they will permit me to make up those two payments to have them qualify toward the 120 payments for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office during those months ( and submitted the required employment certification to prove it ) so I just need to make up the payments since I was not able to do it when they transferred my loans at the time. Thank you so much for any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 submitted three letters to trans union and XXXX stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not trans union nor 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 2020-08-28
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:
On XX/XX/2020 I wrote a letter certified mail # to XXXX ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.

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 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent CFPB XXXX communication undeniably represents compelling evidence of your willingness to participate in unusual and deceptive commercial practices.

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 2020-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 have a issue with Fifth Third Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. Fifth Third need to fix this as I was a loyal customer for over a quarter century.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail by this company on XX/XX/XXXX telling me I own money on a credit card debt. I did not know this company or what this was for. So, I sent out a debt validation letter not verification, validation and that was on XX/XX/XXXX and I know they received it because I sent it certified with signature USPS and got the signature back that someone had received it on the XXXX of XX/XX/XXXX. I did not get a response back with in the 30 days I was asking for. So, I sent another Letter a non-response letter on XX/XX/XXXX. I also know they received the letter because I sent that certified with signature USPS also and they received. So now its XX/XX/XXXX and I finally get something in the mail from them that looks to be old credit card statements and nothing else. How can this be proper validation? This is ridiculous I have waited over 107 days to hear back from this company. I have now sent out three letters with no progress from them to help me resolve this debt that I may owe, and they are reporting on my credit 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 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.

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 2018-02-19
Company: HYUNDAI CAPITAL AMERICA
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:
On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Volvo Car Financial Services U.S., LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
RE : VOLVO CARS In XX/XX/XXXX, I received an offer from Volvo   Cars XXXX, CT to end the current XXXX XXXX  Volvo lease and " lease a new Volvo ... .and we will waive up to 6 remaining payments on your current lease. '' the offer was for 24 months new lease, didn't specify an amount to be paid at signing, and the offer expires on XX/XX/XXXX. 
I discussed the offer with Volvo Cars XXXX, but they didn't have a car to match the XXXX XXXX which I've leased from them. However, they gave me quotations for similar cars in case they can get one from other Volvo agencies based on 24 months new lease, and insisted on {$5200.00} at signing, because that was the sum I paid when I had the XXXX lease. However, and since my lease ends on XX/XX/XXXX we agreed to talk again after XX/XX/XXXX on he assumption that a matching car is available at Volvo Cars XXXX, CT. 
Eventually, on XX/XX/XXXX I returned the XXXX XXXX, and signed a new lease for 24 months at {$390.00} per month and paid {$5800.00} at signing., with the salesman referring to his Manager to give me answers and assurances that this is the best they can do for me based on the XXXX " not so clear '' offer. I was denied the request to extend the lease to 36 months, and to reduce the {$5800.00} payment. 
To my surprise, on XX/XX/XXXX I receive a " SPECIAL SAVINGS OFFER '' from Volvo Cars XXXX to lease a XXXX XXXX Car which matches exactly the same car that I got on XX/XX/XXXX, which matched the XXXX leased car. That offer expiring by XX/XX/XXXX has now specific terms " Lease XXXX XXXX XXXX XXXX  for 36 months {$3600.00} due at signing at {$370.00} per month ''! 
Immediately, on XX/XX/XXXX I sent letters and e-mail to : - Volvo   Car Financial Services, One Volvo XXXX, XXXX, NJ XXXX ( they have their name on the promotional offer ) - Volvo Cars Financial Services, XXXX XXXX. Ph : XXXX XXXX XXXX XXXX Re:XXXX Account Number. ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT  XXXX Ph : ( XXXX XXXX I complained that the new lease is a grossly unfair transaction, as Volvo XXXX took advantage of my loyalty to Volvo, did not advise me of the XXXX offer, denied me the 36 months lease, and grossly over estimated the amount paid at signing. 

I received a letter from Volvo-Alabama dated XX/XX/XXXX stating " we appreciate your patience while we research your concerns ... '', and by a letter dated XX/XX/XXXX they rejected my request. I received no responses from Volvo Cars XXXX or New Jersey. 

I appreciate your interference to address my copmlaint, since the actions by Volvo Cars involve false advertising, and unfair trade practices Thank you! 


XXXX I have documents to attach to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

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 2021-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation