BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: I.C. System, Inc.
State: AR
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:
I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The Bank of America communicated to me that it had received a letter from the XXXX XXXX XXXX and that I am subject to withholding on interest and dividend payments. 
I believe this letter is in error for the following reasons : -No communication from the XXXX XXXX XXXX stating that I am subject to interest or dividend withholding -Inquiry into the XXXX XXXX XXXX . I am in good standing and dont owe any taxes, etc. 
-None of my other financial institutions ( XXXX , XXXX , XXXX , etc. ) have communicated that they have received notification from the XXXX that I am subject to withholding interest. 

I attempted to resolve this issue by calling the phone number in the enclosed letter ( XXXX ) on XX/XX/2020 and XX/XX/2020. Both representatives indicated the following : -They both could not find anything on file -The second representative seemed to change his mind and then say that there was something on file but wasnt very specific and suggested I call the XXXX. 

I have sent a letter to BoA on XX/XX/2020 and have yet to receive a response. 

Thank you, 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 2019-08-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
We sold this residence on XX/XX/2019. 

My credit report still reflects and open loan balance of {$120000.00}, and 2 late payments which were brought current.

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 2020-11-26
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: Investigation took more than 30 days

Complaint:
I HAVE UNATHORIZED INQUIRES THAT ARE NOT RELATED TO ANY OPEN ACCOUTS I HAVE AN ACCOUNT THAT DOESN'T BELONG TO ME AND ANOTHER ACCOUNT WITH AMOUNT REPORTING NOT CORRECT AND ANOTHER ONE WITH IN CORRECT STATUS SEE WORD DOC ATTACHMENT FOR DETAILED EXPLANATION

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 2022-08-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint # 1 I changed my home insurance to XXXX XXXX in XX/XX/2021. My agent notified me all insurance information was updated. In XXXX, I received a letter from Huntington Bank indicating they did not have insurance information. I went online to https : XXXX and completed the information and uploaded a copy of the insurance document. I received another letter on XX/XX/XXXX. Again I went online and updated and uploaded my information. 
Now, on XX/XX/XXXX, I received a letter from Huntington Bank indicating they are charging me for home insurance because they did not receive a response. 
I went online again today for the 3rd time and uploaded my insurance information. the site specifically says if there is a problem, I would be notified by email. I have never been notified of a problem. 

Complaint # 2 Huntington Bank decided to increase my monthly mortgage payment by almost {$300.00} per month. I received no prior notification this would happen, or an explanation as to why it happened. 

Complaint # 3 TCF Bank had predatory collection practices. I became delinquent for one month and was unable to catch up that payment. My husband had many XXXX XXXX and passed away because of them. I had asked TCF for a one month forbearance to allow the payment to be skipped. They denied me and continued to charge me late charges every month. I was finally able to get caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: MSW Capital, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My husband and I are in the process of buying a house, we were told by the lender that I have a judgement against me that needs to be taken care of before we could proceed. I was initially informed about this debt on XX/XX/XXXX by my lender. Through a little digging, we found out that XXXX XXXX XXXX filed a case against me for debt collection. When I called XXXX on XX/XX/XXXX, I asked what the debt was for and was told that it was for medication that was ordered and the amount owed, according to their records was {$2000.00}. My husband nor I are on any type of medication and relayed that information to the man who answered the phone. He then hung up on me, I called back 3 more times, only to be hung up on every time. I tried calling on XX/XX/XXXX to see if I could speak to someone who could help me, and each time I called, the rep hung up on me. 
I then contacted the local court in XXXX, IN and went in to find out what exactly was against me. I was told that there was a judgement, case # : XXXX filed in XXXX IN courts filed on XX/XX/XXXX in the amount of {$2000.00}. I tried contacting the attorney that the clerks office told me to contact, XXXX XXXX XXXX phone # : ( XXXX ) XXXX, and was told they have no case against me. I then asked what I was supposed to do, and was told that it needed to be handled through the court system. 
On XX/XX/XXXX I went back to the clerks office in XXXX IN again, the attorney on record was XXXX XXXX, phone # : ( XXXX ) XXXX which directs me to XXXX XXXX XXXX. I called and spoke to a secretary ( I believe her name was XXXX ) and was told that they have no record of my case and that the attorney 's office does not handle cases of that nature. I asked if I could possibly get something in writing because we were trying to close on a house, and was told that her attorney 's will not allow them to send out letters of that nature because it is considered " misinformation ''. I asked if she could speak to one of them because if I could not get this removed, it means we will not be able to acquire a loan. She explained that there was nothing that she could do for me. 
I contacted the XXXX XXXX office by phone XXXX XXXX XXXX XXXX on XX/XX/XXXX to see about appearing before a judge to have this information removed from my record. I was told that I could come in and file paperwork, but the soonest that I could get in would be late XXXX or early XXXX. 
I do not know what this debt is for, and am willing to pay it if I am liable for it, but can not find anyone who can give me any information. The XXXX XXXX office said that the records show I was served papers several time, but I never received anything regarding any debt owed. We are about to lose this house and do not know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I signed up for a Basic Firearm class on XX/XX/XXXX at XXXX with XXXX XXXX however, I was not able to get off work on time and called them to reschedule the class. When I called their number, it went to voicemail and they said to text the number they provided. I went ahead and texted the number and told them that I was not able to make the class on time and that I was wanting to reschedule for another time. They texted back and said I needed to pay the remaining balance before I could reschedule. I went ahead and paid the remaining balance and asked them how could I reschedule. After I paid the remaining balance, they stopped communicating back to me even after three days. At that time I called Navy Federal Credit Union to dispute the amount since the merchant ( XXXX XXXX ) failed to render services, was not communicating back to me, or confirmed a new date. NFCU issued a temporary credit for the {$140.00} until they investigated the issue. I provided them text messages proving that I had done all I could to remain in contact with XXXX XXXX but they were simply not getting back to me once they received their money. After their investigation, NFCU sided with XXXX XXXX claiming that they were willing to render services. I requested a copy of the document that XXXX XXXX provided to NFCU and found that they said I failed to show up to the rescheduled class. They never confirmed a new class date, sent me a link, or communicated any of that to me so I had no knowledge that they rescheduled me. XXXX XXXX is about a 40 min drive from me and with Covid restrictions, I was not in any position to make the drive and risk being turned away. XXXX XXXX also stated in the document they provided to NFCU that they sent me a link to a video however, I did not receive any link and partial service was not rendered. They provided fraudulent paperwork to NFCU and even though I tried explaining this to NFCU they still removed the credit from my account claiming that XXXX XXXX was willing to render services. These were all lies and NFCU should have done a better job at investigating. Not only was this fraudulent but also unethical from NFCU. I request that they be investigated and that the evidence regarding my claim be re-evaluated by another party. 

Should you need additional information please feel free to contact me via email at XXXX or via phone at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Citi bank credit card sent to XXXX XXXX  to my employer for a wage garnishment how my information became available I dont know citi bank says it wasnt them it just doesnt seem fair

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 2023-05-13
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage has collect funds from me to cover my homeowners insurance and my property taxes. AmeriHome did not pay my home owners insurance and I recived a cancellation notice from my insurance company. I had to call and demand payment of my insurance then they paid the insurance. Now I have a Tax Certificate issued against my property as they collected money from me to pay my taxes and as of today XX/XX/2023 they have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX  XXXX, XXXX XXXX XXXX, In ( Revolving  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
credit card was with XXXX  XXXX without knowing they transferred balance to XXXX XXXX XXXX XXXX  is not licensed in the State of Az placed debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-19
Company: EQUIFAX, INC.
State: AR
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:
In XXXX I requested was granted a forbearance on my loans by XXXX, however one month, the month of XX/XX/ shows a 90 days past due on all 11 loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have medicaid. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This letter was sent to XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by Experian, this is a conflict. Delete this account 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 explanation
Consumer complaint received 2017-06-24
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a predatory loan with Santand er Consumer USA, I want to pay it off and they do not take any interest off 72 month loan I have made 32 pa yments. The car dealer  XXXX   XXXX   XXXX  got me this loan, they bullied me into taking an extended warranty for  XXXX  and if I did n't take it the bank would not give me the loan. Call the bank got double talk, went to the dealer they admitted something was incorre ct 1 week still waiting for a call back left 3 messages. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account 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 explanation
Consumer complaint received 2017-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: AL
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 reached out to Equifax on several occasions about a bankruptcy, collection on my report from XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX. I have sent them proof that I have reached out to all creditors and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CT
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/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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