BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They must have a case of mistaken identity. I am a Silver Member of XXXX XXXX 
XXXX XXXX # XXXX XXXX ( current tier through XX/XX/XXXX ) XXXX points to date as of XX/XX/XXXX My account is clear and free and I have spent {$1000.00} 's. in rentals. 

Feel free to call the manager at your XXXX XXXX location to verify any of this comunication at XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, Experian, XXXX ) deleted the account and then placed it back on ). ( XXXX, Experian, XXXX ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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 2022-12-14
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$1900.00}

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 2019-09-30
Company: Specialized Loan Servicing Holdings LLC
State: PA
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:
A mortgage company claims a balance on a second mortgage is now {$520000.00} with a payment of over {$2000.00} when in reality the loan is paid off by the sale of my house in XX/XX/XXXX. I was denied credit the same day with 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 2019-09-30
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Keybank XX/XX/XXXX {$280.00} they closee my account even though its not my fault this so calles friend jacked my wallet and without a XXXX and XXXX with a XXXX dollar sur charge and i havent recieved refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually belong to me.

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 2019-01-09
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning. 

I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter. 

A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay. 
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Correspondence sent to first collection company : Dear XXXX XXXX ; I am responding to your contact about collecting a debt. You contacted me by phone on XXXX and identified debt as XXXX. I cancelled my service in XXXX of last year, less than one month after starting new plan. All bills were automatically paid up to my termination. I do not have any responsibility for the debt youre trying to collect. I wrote to XXXX and called them. I have copy of email cancellation, and their over billing for first eight months of service. Although they agreed to fix account instead they added more fees. They have billed me in error. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Received nothing from them but continual fraudulent credit agency reporting which I continue to dispute -years later.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
An continuance of fraudulent attempts of hard-pull inquiries of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY CAR WAS STOLEN WITH MY WALLET INSIDE.

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 2020-11-30
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an XXXX American woman who has had a mortgage with Caliber Home Loans for a little over four years with no late payments nor missed payments -- an excellent paying customer. Presently, I have a credit score of XXXX with only a car payment and my mortgage and a few credit cards that will be paid in full with the proceeds from the sale of my house. I uploaded a copy of my XXXX statement stating that my IBR student loans has a XXXX ( XXXX ) payment and is in forbearance due to re-enrollment in school after medical leave. I was pre-approved back in XX/XX/XXXX and was told I could go up to {$210000.00} for a property I had planned to place a bid. That never materialized, and I found another one at {$230000.00} and called to see if that would work under the preapproval even though it was already set. When I called back and spoke with the loan consultant, he stated that my auto loan being paid in full was configured into the preapproval. That was never conveyed to me in XX/XX/XXXX - new information. 

So I emailed the branch manager about this, and he emailed me that because my student loans were in forbearance, they would have to use the 1 % rule. That is not correct. All my student loans are IBR and are in forbearance due to the Cares Act and the fact that I re-enrolled in school to complete my XXXX  dissertation and receive my diploma. Importantly, IBR student loans do not fall under the 1 % DTI rule. Thus, my home loan application is not being fairly evaluated even though I am an excellent paying customer for four years with Caliber Home Loans and my income has increased since I last applied back in XXXX for the present home loan I am carrying with XXXX, and my credit score has increased from XXXX to XXXX. The first time I spoke with the Caliber Home Loan consultant back in XXXX, he assumed I had bad credit and told me to call back at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: SYNCHRONY FINANCIAL
State: TX
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 XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 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 2019-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
USAA Bank has completely mishandled this situation. USAA is so compartmentalized that they do not have any idea what one hand is doing while their customer support agents are saying something completely different.. I first called USAA in XX/XX/XXXX to dispute a charge from a merchant. USAA said thy could investigate a charge ( from XX/XX/XXXX and XX/XX/XXXX ) from a merchant, but could not guarantee a positive result. The charge is dispersed between 3 dates against the same merchant. The investigation spanned 5 months and ultimately resulted in USAA finding against me, while both XXXX and XXXX, while involved in the SAME TRANSACTION found in favor of me. I contacted USAA 3 times in writing and many many times by phone. I was always assured that USAA was " better '' than the rest, yet USAA ruled against me. The amounts were XXXX, XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Although USAA has STILL reassured me that they are on my side, their actions have shown otherwise. USAA has written-off my checking account and closed the account - to the detriment of my credit - while all along saying that they would not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: VA
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 been trying for several months to get Equifax to remove the bankruptcy from the credit report. Equifax is showing the incorrect filing date and I'm providing documentation from the bankruptcy court to  show that the information filed is ten years old and should be removed from my report. XXXX  and XXXX have already removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to COVID-19, Specialized Loan Servicing ( SLS ) authorized us three months forbearance with 100 % no negative reporting impact ( XXXX XXXX, XX/XX/2020 ). Payment resumed XXXX of 2020 for {$3500.00} which include {$2600.00} original payment plus extra interest of {$890.00} for 6 months to offset the forbearance missed interest. This was offered by SLS with 100 % no negative impact ( credit bureau or penalty ). 
SLS lied about the offer and as soon as we started the payment plan in XXXX of 2020, SLS reported me and my wife to the three credit bureau ( XXXX, XXXX and XXXX ). This costed us -75 points while we are trying to refinance to reduce mortgage payments. 
It appears that SLS is making a habit of this and the XXXX  reported more than 770 cases against SLS. The agreement payment plan has another third party witness

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 2021-04-11
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
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 XXXX2 all these inquires are from auto dealers i did not authorized please help thanks

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 2022-12-14
Company: Peer Advisors, LLC
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to close on a Reverse Mortgage that my mother had prior to her death. 

The Reverse Mortgage is being serviced by XXXX XXXX XXXX. I opted to pay the mortgage off through the HEIR '' S APYOFF option. 
HUD approved the appraisal that I submitted and sent a payoff statement for the month of XXXX. Informed XXXX that I would be able to close on XX/XX/XXXX. 
It appears that another department has taken over the payoff process ( COMPU-LINK ). 
Now I'm being told that I no longer qualify for the HEIR '' S PAYOFF option.

The original contract states that I have 6-12 months to close the deal..I informed XXXX that I would be closing on XX/XX/XXXX. I am now ready to close on XX/XX/XXXX. 
XXXX is refusing to allow me to do so. They are trying to make me close the deal outside of the HEIR '' S PAYOFF option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two taken advantage of two promotions on my Bank Americard. The first promotion that I applied for several months ago ends in XX/XX/XXXX, at which point the interest rate will skyrocket. The second promotion, which I applied for just a couple of months ago, ends in XX/XX/XXXX. I have been making automatic payments of {$1000.00} a month which should have the first promotion paid off before the XX/XX/XXXX deadline, but BoA is using nearly all of my monthly payments to pay off the promotion that ends in XX/XX/XXXX first? This is unethical on so many levels I don't even know where to begin. Why can't my monthly payment pay off the first promotion first? I mean seriously, on what planet is this not an obvious attempt by BoA to force me to pay a higher interest rate by forcing me to pay off the second promotion first? This is not only unethical, but it's illogical, irresponsible, and downright dirty. 

I applaud things like your Neighborhood Builders program and your Veterans lending programs, but policies like this one that I've fallen victim to cast a dark shadow over your entire corporation in my humble opinion. I'm confident that you'll do the right thing and end this unscrupulous policy, for your sake, not mine. Do this for yourself, because poisonous policies that are designed to hurt your customers are only going to hurt BoA in the long term. Thanks for listening and have a great 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 2020-12-04
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: Their investigation did not fix an error on your report

Complaint:
There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX Auto Finance XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my XXXX that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with 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