BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name is XXXX XXXX ( aka XXXX XXXX ) and I applied for a mortgage through Bank of America with lender XXXX XXXX. On XX/XX/XXXX, he asked for my credit card to pay for the appraisal. However, on XX/XX/XXXX, at XXXX I texted XXXX and said that we want to put the appraisal on hold because we were not sure whether we are moving forward with the home loan because there was a possibility that my husband 's grandmother would need to move in with us due to COViD and we were going to put the home buying process on hold. A On or about XX/XX/XXXX, I saw that BofA charged my credit card {$840.00} ( the charge was made on XX/XX/XXXX ) for an appraisal. I called XXXX and asked for a refund. On XX/XX/XXXX, I received a credit on {$120.00} from BofA. I called XXXX again, he said that they probably did a drive by appraisal and that's why they may have refunded me some of the money, but he's not sure. He said he would look into it for me. 
After going back to XXXX several times, I received a 2nd credit on my card fro {$1.00} on XX/XX/XXXX, which seems like a very odd amount. 

I realized that XXXX was unable to get my refund so I called BofA directly. I was passed around and disconnected several times-no one knew who could help me. After 2 hours, someone was able to give me the process server 's name-XXXX XXXX. They reached out to XXXX on my behalf. I did not hear from XXXX so I reached out to her. XXXX then private messaged me and said the appraisal was completed and any further questions should go to XXXX. That was all she said. I asked when the appraisal was done, but she never responded to me. 
I reached out to XXXX again, he said that the executive director was very angry with him and told him they completed the appraisal and will not return my money. XXXX said the director blamed him for the mistake. XXXX said he got in " a lot of trouble ''. He told me he didn't know if the appraisal was done. 

I messaged XXXX again and asked her when the appraisal was done, why I never got a copy of the appraisal and why the refunded me {$1.00} but she doesn't respond. She diverts my emails to XXXX XXXX stating XXXX will answer my questions. 

I spoke with XXXX today. He said he cancelled my appraisal on XX/XX/XXXX and it seems the appraisal was ordered by BofA on XX/XX/XXXX. XXXX said BofA received the appraisal on XX/XX/XXXX. He said he cant help me any further. 

I never received a copy of the appraisal. BofA will not tell me why they refunded {$1.00} and they are not responding to my private messages either. 

I have filed a dispute with my credit card too. 

The loan # is : 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 monetary relief
Consumer complaint received 2020-06-03
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello I bought a used car at XXXX in XX/XX/2016 I have paid it since that time and it is about 3 years and 10 months. 
My credit score was low so I had to buy it with high-interest rate. 
Anyway It is a monthly amount is about {$460.00} but I have still my pay off balance is higher than original loan amount. 
I could know it I requested a payoff amount couple months ago. 
I shocked because I could not know daily interest charge every day but I didnt hear the daily interest when I sign the document. 
It is obviously scam loan and loan comapny name is Bridgrcrest.

When I buy the car , drive time staff purposely let me waited a long time ( 3hours ) for ready for signing a document, to make me tired after the downplay the money. 
I think it is their plan that buyers lose pay attention for the rate. 
this company is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company used to constantly call me about the debt. However, they kept changing the balance, which they are still doing. Then, they called one of my family family members twice.. one time leaving a voicemail stating that they are about to sue me and wanted to know if I had a lawyer. During the phone call with my family member where they actually talked to my family family, the representative from World Finance told my family member ( cousin ) that they were about to sue me and needed me or my lawyer to call them as soon as possible. After this, I told the manager at the local office about this incident, who swore that no one in her office would have done this. However, it happened! My aunt was with my cousin when this happened and heard the phone call. I told World Finance that this violates the law and to not contact me about this or I will sue them for violating the Fair Debt Collection Practices Act. After this, I did not receive any more phone calls for months. Then all of a sudden, someone randomly called me on XX/XX/2021. So, this is the 2nd violation by this company, which I can easily sue for, which would outweigh the balance on this account anyway. They have also threatened to sue, which I will countersue at the same time for these violations and also the violations on my credit reports, which they are reporting different information with all credit bureaus and constantly change the balance by {$2.00}, {$3.00}, {$5.00}, {$11.00} up and down every two to three weeks no cause. I have all documents showing these random changes and all credit reports each month showing this information.

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 2023-05-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed these account numerous time to end XXXX states they verified the accounts but according to law 15 USC 1681b I Never received a XXXX on any of the accounts they are reporting nor did I give anyone permission in writing to report these accounts on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.

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: 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.

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 2020-02-27
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:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit 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 non-monetary relief
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Navient, formerly Sallie Mae has several missteps within my loan process. When signing the loan, I was notified that having a cosigner would significantly reduce interest. Upon signing the loan, the interest rate was reverted back to the pre cosigner percentage. In XX/XX/XXXX we contacted navient to correct this issue and we're notified that wasn't the case and we were locked into the rate we had. Which is variable, not the low fixed rate as discussed. Moving through to repayment, immediately after graduation I was notified forbareance was my only option when. Struggling to make payments. This was XX/XX/XXXX. After the forbareance period, my loan pricipal balance was inflated to double the original loan amount. After 10 years of repayment, my balance is still over the original loan balances. Being more knowledgeable now about the student loan practices of navient I have discovered many options were available to me for both my public and private loans. This means, my current student loans would be either completed or within 5 years of being paid off rather then the 11 I currently have. I have payment the entired Original balance of my loans and not paying the accrued interest due to mispractices and mis represenations of repayment options and interest rates. In XX/XX/XXXX, I contacted navient for copies of my original loan docs as well as signed promissory note, which the request was denied, further complicating and creating duress on my relationship with the company. They have never been helpful or willing to assist in any Information gathering to allow me to understand the interest rate/cosigner discount that was marketed prior to taking the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to the credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. TransUnion concluded that the public record items were obtained from local, state and federal courts through a third party vendor 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 2018-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 and XX/XX/2018 per Fair Debt Collection Practice Act, Section 809 Title 15 U.S.C. 1692 request Portfolio Recovery Associates validation of this alleged debt. PRA claimed they validated this account. I never been notified of this collection, I had to pull my credit report and found this collection on my report. I submit a complain with CFPB about the company not validating account. PRA state they have no record of a response or a dispute being received in relation to its initial notification letter. I sent two validation letter and they didn't sent a respond within the 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple voicemails from Commenity XXXX XXXX ( re : XXXX  ). Latest one was on XX/XX/2021, XXXX, calling about an account that is not in my name, but in a family member 's name. I do not live with or share any financial responsibilities with said family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is for XXXX, XXXX and Experian. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call Experiana nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with Experian..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX   balance is showing {$1100.00}, XXXX XXXX XXXX  with XXXX XXXX XXXX {$28.00} , XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.

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 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX I have reached out to this company several times to send proof of the accounts it claims I owe. They are reporting on my credit report nine time with duplicate and various account, that I have no record of. I haven't received a response even though I have sent multiple. They had thirty days to reply which they haven't, I have even disputed with all three bureaus. I have " No Contract '' nor have I signed any paperwork agreeing to pay any loans made or financed by this company.

They continue to report fraudulent information, I have read multiple threads online by millions of consumers who are also victim to this same company.

Something needs to be done, they can't prove a validity of the accounts owed, yet they are still able to report inaccurate information, that results in direct harm to consumers credit reports, in an attempt to forced consumers to pay them monies that they have no right to receive.

This company is a " Fraud '', but because they buy debts from multiple banks and finance companies, and they are publicly traded ; that doesn't make that the illegal practices they do valid.

I want immediate action taken, and all negative marks deleted from my report from this company. I would also like a written letter with the details of the removals sent to my by mail for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from XXXX XXXX   executive office stating they do not have any record of debt owed by me to their company. The last letter received from XXXXXXXX XXXX was XX/XX/18 which is 1 of 3.  On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We had service with XXXX XXXX in the past but we cancelled this after our last term ended. We were never, EVER on auto renewal. Each time of renewal, it was done by phone and we CANCELLED this service by phone. Were fully paid and do not want this service and the service has been stopped for some time now. My wife has made multiple calls to stop this barrage of letters from XXXX and has either been left on hold or hung up on. XXXX is using harassing pressure to try and get us to pay a debt we simply do NOT owe and now your EOS CCA sent us a collection letter The collection stated {$50.00} and we don't owe this.

Company response to consumer: Closed with explanation