BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. 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 explanation
Consumer complaint received 2019-01-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was opened by a person named XXXX  XXXX XXXX, she stole my identity and opened this account. The matter was resolved, the collection agency keeps harsing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Collection Bureau of Fort Walton Beach, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges. 

Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail. 

I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Experian Information Solutions Inc.
State: GA
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've sent two disputes letters asking for Experian to verify the accounts listed on the letter. and also to provide documentation showing how they verified the information they are reporting is correct. they have failed twice to provide the documentation, they recently sent a letter after my second request stating that i have to send in documentation supporting my claims. due to the law they have to provide documentation showing how they verified this information is accurate. i've sent in a report from XXXX XXXX showing that a bankruptcy reporting is not on the report. there is no bankruptcy on my file. they have yet to provide the documentation to support there claims.

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 2019-01-18
Company: Rocket Mortgage, LLC
State: GA
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:
Ouicken Loans company employee created another application on me when I closed with the same company on XX/XX/XXXX and then on XX/XX/XXXX anew package was mailed to my home on XX/XX/XXXX. If this employee had ran my information should came up in the data that I close. This is the problem, this employee ran a credit report and used my SS number with authorization. I know under the Fair credit reporting act, Security freeze, Privacy Act, this Identity fraud. I did not communicate with the banker to have the second application done. The second issue was my property taxes taxes for the city of XXXX being listed on the closing cost details sheet at closing and include during closing and was not not paid at the time of closing. I received a check for {$750.00} in the mail in my name as a refund check. Why didn't they send it to the tax office. The company put it back on me. I reported the issue to several people, one tried to verbally bully me and I report it and receive a call and they apologize for the young man actions. XXXX XXXX investigated my issue and returned her finding and apologize all the company mistakes. We stated communicating by email so I would have a record, before that we talk verbally on the phone. She tried to be helpful and add the taxes to payment. which are in the email she sent me. Once I stated the company owe me for violated my right to privacy, civil right, anti-bullying me by employee verbally, things changed after I asked for a settlement of {$150000.00}, because I stated that according to the Gramm-Leach_Bliley Act, means misusing someone SS number is a security breach for the company and the Privacy Act of XXXX. XXXX email changed, she state that the company doesn't owe anything because they did not do anything, but my question is why did she apologize for all the mistakes and why she appeared to be sock about the issues and took a week to investigate the my concern, I called he twice and she apologize for the employee verbally bulling me and for the mistakes. I also talked XXXX XXXX and XXXX XXXX by email about the tax issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CITIBANK, N.A.
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:
In XX/XX/XXXX I open a credit card account with Best Buy, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, Best But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XX/XX/XXXX. I ended up paying before it went to collections.

The problem is this account has been paid and closed since XX/XX/XXXX and yet, Best Buy CBNA is still reporting MONTHLY on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XX/XX/XXXX when they were paid! 

Im not sure why Best Buy CBNA is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

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 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX   XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, XXXX, and Transunion ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!

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 2019-10-12
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 status incorrect

Complaint:
In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.

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 2019-10-12
Company: V and H Portfolio
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: Unifin Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Unifin keeps harassing me even after I told them to stop calling. I am going to hire an attorney to stop these efforts. So many calls, and they better not report me to the CB 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX paid off the medical debt. This account was removed from my credit report and now it appears back on there. I have received letters from lawyers regarding this account. I dont have a contract. And I have audio recordings documented of the conversations with the debt collocations agency. I dont have a contract as no contract exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I placed a stop payment on a debit transaction on XX/XX/XXXX however on XX/XX/XXXXandXX/XX/XXXX the item posted to my account causing for my authorized transactions to be returned in error. I called BBVA Compasss on XX/XX/XXXX to rectify the situation and they told me that the stop payment that was placed had expired, which was information that was not provided at the time of placement. I have been adversely impacted and they state they are unable to immediately assist me all the while charging me fees. I have reviewed their stop payment policy online which does not disclose a 2 week expiration but is as followed : Stop Payment Orders. You may request us to stop payment on any check, draft, or similar written order or instruction drawn on your account by giving us the information we may request, including the account number, the item number, the date of the item, the payee of the item, and the exact amount of the item, and by paying our stop payment service charge. We will search for your item by computer, so it is essential that all information you give us be accurate. To be effective, we must receive any stop payment order in time to afford us a reasonable opportunity to act. We will confirm your oral stop payment order in writing, and the information included in our written confirmation will be conclusively presumed to be correct unless you notify us within fourteen ( 14 ) days of the date of the confirmation.

Confirmed stop payment orders will be continued in effect for a period of two ( 2 ) years from the date the initial oral stop payment order was placed or such other period of time as required or under applicable law, regulation or rule ( including, but not limited to, the UCC as enacted under any applicable law, regulations issued by the Federal Reserve Board and rules issued by the XXXX XXXX XXXX ). A confirmed stop payment order will expire at the end of the two-year period unless you revoke it at an earlier date or renew it in writing for an additional two-year period and pay our stop payment service charge. You may not stop payment on an item if we have verified to the payee that the available balance in your account is sufficient to pay such item, or if we have accepted that item by payment or otherwise. Any account owner or authorized signer may place a stop payment order, and we are not required to release a stop payment order unless requested to do so by the account owner or the authorized signer who requested it. You agree to indemnify us and hold us harmless from and against any loss, damages, and expenses ( including attorneys fee ) we may incur by reason of our refusal to pay any item upon which you have stopped payment. For stop payment orders on pre-authorized electronic funds transfers, please refer to the Electronic Fund Transfer Disclosure Statement in this Agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint XXXX against XXXX XXXX XXXXXXXX attorney of fact XXXX XXXX XXXX, VP YOU ANSWER : THIS DON'T BELONG TO US. ARE INCOMPLETE, YOU SIGNATURE FROM YOUR COMPANY NAME AND VP ARE ATTACHED TO TWO PURCHASE AGREEMENTS DATED XX/XX/2009 FOR XXXX XXXX AT XXXX XXXX XXXX XXXX, MI XXXX, ONE WITH HUD AND ONE WITH XXXX  XXXX. FOR XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WERE YOU INVOLVED WITH THESE TRANSACTIONS?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: ARC Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SD
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:
We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: NY
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:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.

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 2018-09-13
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that due to several financial off-set situations, I am facing to possibility of filing a Chapter XXXX bankruptcy petition. I purchased a home that I still own in the state of XXXX, but due to a serious family matter I had no choice but to move to the XXXX of XXXX. I have full intentions of moving back into my XXXX   home, but I can not do that until I resolve several financial obligations. Accordingly, I am requesting a forbearance on my mortgage for a period of six months. I am also requesting my interest rate to be reduced to a standard 2.5 % after modification. The forbearance will cease all payments while I prove my current hardship, and my game plan to work my way out of it. You will be faxed a full power of attorney from my law firm within the next few weeks, and this firm will handle all aspects on my financial restructuring. Therefore, I request a fair process under the modified Fair Debt Collection Practices Act of XX/XX/2014 to be applied to my rights. Under the provisions of this federal law, all threats of foreclosure must cease immediately, all threatening phone calls must cease, and an open dialogue must be opened while I fulfill this financial workout arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation