BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The below are the dates and the amount, and actions that were taken by you or the company. 
As recent as XX/XX/XXXX XX/XX/XXXX and now XX/XX/XXXX But this has been going on since XX/XX/XXXX Amount : {$97000.00} 3 different times I've reach out to Bank of America : XXXX XXXX XXXX XXXX XXXX, FL XXXX Asking that they correct this error and they said they would not. 

My account was a part of a predatory lending issue in-which XXXX  mortgage excepted a loan from XXXX XXXX XXXX XXXX founder of XXXX XXXX XXXX, to stop all mortgage-related business after discovering that XXXX and his company were originating loans in Maryland without a license. 

My loan was sold to Bank of America and when then got heated in the press : XXXX XXXX XXXX XXXX Fraud with my mortgage XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX They sold the first mortgage and wrote off the second mortgage in-which I was in the middle of doing a loan re-modification with them and they put it on my credit report as a Charged off /Past Due of {$97000.00}. 

This is wrong and this is what I consider defamation of character. 
Now I have already endured XXXX XXXX stealing my equity in my home and writing it up as a second mortgage but to have Bank of America call me a lair and charge this off and put it out there for the world to think I am a bad mortgage owner is insane.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX FORMERLY XXXX Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX 

Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked TransUnion to investigate and they IGNORED the disaster plea I made due to Hurricane Ian.

As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.

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 2017-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
experian lowered my credit score by 16 pts when XXXX and XXXX raised the score over 40 pts using the same data in XXXX 2017.experian refuses to reconsider the matter nor would they explain why they lowered the score

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 2021-11-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called Experian spoke with XXXX in dept : XXXX  in reference to my request for proof of verification. Within my rights according to the FCRA 611 I was disputing the following on XX/XX/2021 and XX/XX/2021 XXXX  XXXX XXXX {$16000.00} XXXX/XXXX  {$500.00} XXXX/XXXX {$2500.00} XXXX {$2200.00} When I received a response that they had verified the items and would not take any further actions. I sent a request for verification letter on XX/XX/2021, and XX/XX/2021 When I ask XXXX to provide the method of verification, since it has been more than the 15 day from 1st request. XXXX stated that they ae not required to provide me with the method and that If I wanted, I could re-start the dispute process. When I told XXXX that I was looking at the FCRA 611 he began to speak XXXX and say he could not hear me. That was XXXX minutes ago. I have been on hold for an hour. XXXX has not returned to the line. 

I then called and spoke with XXXX who after I told him my complaint also put me on hold, not returning to the phone. that was 59 minutes ago. 

I have provided them with everything to support my disputes on accounts, names and address and they send the same form letter. 

I'm asking for this to be reviewed by this agency. 

Regards.

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 2023-06-05
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Columbia Recovery Group LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has not responded to the original complaint I filed through CFPB in XX/XX/XXXX. Yet, since then they have updated my credit report several times, increasing the balance every single time. Everytime I have had it investigated through XXXX, they respond to XXXX stating they have " corrected the balance ''. They never actually " correct '' the balance, they add bogus charges and it passes XXXX 's dispute process because they claimed they've corrected their error. 
This is such a fraudulent, conniving and manipulative practice and I can't believe they are still getting away with it.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. They've failed to remove and or investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Bridgecrest Acceptance 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 am challenging the accuracy and integrity of furnished information pursuant to 12 CFR 1022.42 : ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 
What are your policies and procedures because it doesn't seem to align with the CFR regulations. Now pursuant to 15 USC 1666b I am directing you to mail a check in the amount of credit on my account to the address you have on file. 

12 CFR 1022.25 ( v ) Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number. 

I do consent to Bridgecrest sharing of my non public information and am exercising my right to opt out lf sharing of any information related to my organization. I'm directing you to remove all information from consumer reporting agencies and files immediately. I am also exercising my rights and requesting my downpayment of {$500.00} which under truth in lending act 15 USC 1601 the finance charge does not include any cash. 

You are hereby put on notice!

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 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
Good morning, My complaint is related to an unauthorized charge on my Credit Card. I submitted a corresponding dispute to Capital One explaining the situation and the failed to investigate and assess the case diligently and correctly. 

Here are the details : Date of Charge : XX/XX/XXXX Merchant : XXXX XXXX Amount : {$59.00} The charge is an Auto-Renewal of an annual membership to the XXXX XXXX. The reason for my claim is that I never signed up for an Auto Renewal, nor I gave consent or authorization for an auto renewal of this membership. 

I originally signed up for 1 year only on XX/XX/XXXX. This was a 1 year only with no auto renewal. The charge made on XX/XX/XXXX for an additional year is unauthorized. 

I have tried to resolve this directly with XXXX, but was not able to get through. I have 2 numbers : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They answer the phone on the first one, but tell me they do not manage these types of complaints. Then they refer me to the 2nd phone number. On the second, they never pick up. They have a message referring customers to their website. However, their website does not provide the mechanisms to file this type of complaint. Therefore I fled the dispute with Capital One. 

Capital One proceeded to contact the merchant. The Merchant responded back to this dispute providing 12 pages of non-related information. None of these pages provided by XXXX are related to the auto-renewal and the do not support my consent or authorization for this charge. If Capital One had bother to read these documents, they would have easily concluded that they do not provide any relevant information to this investigation. Evidently Capital One failed to properly investigate and assess this case. Using non-related documentation they concluded against me. 

I re-submitted the dispute. Then, Capital One asked me for evidence of return/cancelation. I clearly explained in writing and over the phone that his does not apply in my case. I can not cancel something I never order in the first place. Therefore I am contesting the Merchants response based on the fact that this is an unauthorized charge.. Unless the Merchant can demonstrate I signed up and authorize the auto-renewal option, this charge is invalid and unauthorized. But Capital One, again failed to assess the situation correctly and told me that they closed the case and there was nothing else they could do for me. 

What I want is to cancel this illegal charge. I should not be made to pay for a charge I didnt authorize. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate the time the XXXX did to remove some items I asked them to remove. However, I found that the negative accounts were still in reporting in my Credit Reports. And I have requested the Credit Bureaus to remove them along with the previous items in my complaint dated XX/XX/2023 and XX/XX/2023, but only XXXX remove some items and Experian remained unattentive of my request. Once more please see the items I listed below FOR REMOVAL : EXPERIAN : 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

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 2023-07-31
Company: EQUIFAX, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX .... XXXX : {$2800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2019-12-06
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was looking into doing a refinance on my home just recently. I was called back by the refi company and was told there was a lien of {$25000.00} on my home by a Ditech. I went to the State of Colorado and did a title search and was told the lien should come off my title because the Statue Of Limitations had expired. 

I never contacted Ditech but called XXXX  XXXX XXXX and XXXX who is now the servicer of my loan. I had received a line of credit in the summer of 2006 from XXXX XXXX for {$25000.00}. The line of credit was for a non-profit i am the president for. The monies came back from the non-profit and the loan was paid down to around {$3000.00}. XXXX XXXX was closed down and I never heard anything else. 

Ditech has sent me a letter on a Shellpoint letterhead claiming they are my loan servicer and all payments must go to them. XXXX claims they know nothing about the letter. Ditech is going through bankruptcy and nobody knows what the relationship is with XXXX and Ditech. 

Also Ditech sent me a fraudulent letter claiming I called them. They left two voice messages on my phone for collections. I had received letters from them claiming they will not contact me on this loan due to collection laws and the statue of limitations. 
I can not understand how this company can put a lien and cause me damage when the loan is not valid and it has been paid down to {$3000.00} at the most. My title should be cleared of this lien immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX  XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {$0.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: GA
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:
Someone make a fraudulent XXXX XXXX inquiry on XX/XX/21. I spoke with XXXX XXXX and they stated they would contact the company to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: NV
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX  XXXX****, XXXX XXXX XXXX XXXX** XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded. 

So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her. 

Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.

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