BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX, NC XXXX has been my home for over 10 1/2 years, my mortgage lien holder was USAA, which they have void their own contract with me and my husband. USAA from the beginning of my loan XXXX who said they messed up all paperwork and returned it back to them with all payments, 2nd was XXXX after an audit they returned it back, 3rd XXXX, and 4th XXXX during the whole process of the loan. During my bankruptcy USAA was over paid during XXXX through XX/XX/XXXX from the NC Trustee, an investigation implemented which took USAA 3 years and I heard nothing. USAA set on this paperwork and at the end of the fourth year offered a modification, which in the modification had some words that covered their mess and time lapse. We hired a lawyer for another 3 years went by, and USAA has now, pushed to take our home again. They said we have three options to reinstate from the bankruptcy and paid in full, next is short sale, last is vacate property. USAA feels like the laws of NC do not apply to them, nor do they regard the process. I am granted 30 days to make a decision for the 3 options, and because I put in a complaint with two agencies they have taken these options off the table. The letter was delivered to my house on XX/XX/XXXX, but dated XX/XX/XXXX, not allowing any time to do any rebound. Auction for my home has now moved up to XX/XX/XXXX, given me less then 30 day to find a solution to my housing situation. My husband has served this country and still serves ; we should not be treated in such a matter. We went through financial hardship, and we have recovered and USAA is trying to say we have a negative NPV, which I believe is in correct. The appraise of the house is less then what they are asking for, XXXX XXXX XXXX XXXX Modification rep, I spoke to XXXX XXXX, I also left a message for XXXX XXXX XXXX XXXX. This is my second attempt to get assistance by the State of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Regional Management Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: LOAN TO LEARN
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX I realized that I had negative credit reporting from Loan to Learn. I called the number on the credit report which lead me to XXXX XXXX ( collector for loan to learn ) I asked what I owed and why I had not received notification that I owed a debt. XXXX XXXX stated they did not have an account on me and gave me the number to Loan to Learn ( XXXX ). I called Loan to Learn and spoke to the rep and was told that I have one outstanding loan balance and that the law firm was collecting on it not XXXX XXXXXXXX and that is why I had not heard from them. I contracted the law firm ( XXXX ) and was told that they do not have access to the account to collect. I stated that this was being reported to the credit bureau and that I needed a resolution. They stated they are not reporting the account and they could contact me when they could collect. I waited for a call back never received one. XXXX I received notice again that I had negative credit reporting, I called loan to learn ( XX/XX/XXXX ) back and was told that they would reach out to the law firm and they could contact me. When I did not hear something, I called back on XX/XX/XXXX. I requested to know a status he said if they dont call you back tomorrow I will. I asked about my credit report he stated well you signed the loan documents we have the right to report. I stated I have never received so much as a bill he stated they did not have to give me one I know I owe the money. I asked when the last communication was sent out he stated that it was sent out in XXXX I stated I was under bankruptcy then and did not have to pay since they were included In the bankruptcy. I stated that I have not received anything since. He stated that they may not have the documents to show they have contacted me because things get purged but I knew I took out the loan. I asked for the most recent notice he stated they have not sent one but they still have the right to collect because I signed the loan docs. To date I have not received anything, I know they know my address because it was public record during the bankruptcy. I also know that they have my phone number I called everyone involved in XXXX. To date no one with the ability to collect a payment has contacted me and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have sent Capital one bank several letters asking for proof of this item being mine. They keep sending me letters requesting the same documentation that I have sent to them. I need this Deleted off of my 3 credit reports because they do not have any validation of this account being mine. original signed documentation with this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: EQUIFAX, INC.
State: WA
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  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: General Credit Service Inc.
State: OR
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:
On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report

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 2018-11-01
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent investigation requests to Equifax and XXXX XXXX, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls throughout the day. I explained to the company I was affected by XXXX they continued to harass me each day.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh Transunion regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with Transunion and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with Transunion unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. 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 2021-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead coorporation. Wells Fargo Auto has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like XXXX which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX TX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$5900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is Wells Fargo Auto sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave Wells Fargo my information. I gave it to XXXX XXXX TX, XXXX and not Wells Fargo Auto. Wells Fargo Auto also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. Wells Fargo Auto said they are not governed by the FDCPA which is false and misleading information which can result in Wells Fargo Auto Being Liable for damages. Wells Fargo Auto sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy.

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 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I sent investigation requests to XXXX  and Trans Union, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.

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 2017-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX XXXX XXXX sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file

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 2017-07-02
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:
I noticed that an account XXXXXXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX/XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Wellmont Health System
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Bank of America when they received the second half of my partial payment. They accepted my first half of payment and sent second half back because that would have only out me behind on four payments. The mortgage been behind since 2016 due to Illness and then the Great Flood. I have been making payments every month since then. I tried to call and see about getting loan current. I told was ready to make payment. They told me I have to fill out a package just to make a payment. This is not right at all. I been playing ring around the XXXX with BOA for a long time. This loan was originally a XXXX loan and I know everything is screwed up. I will hire attorney and it will not be nice for BOA. They are making me pay all this money and fees when they already taxed the government for the house through writing it off under a previous modification. BOA must think that I am stupid.

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