BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: MI
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:
COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; XXXX XXXX FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Tiptree Financial Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Deadlines were missed due to this mortgage company and XXXX due to major inefficiency and inability to hit KNOWN deadlines. This caused me to have to pay 1 % of purchase price of loan twice to the builder in XX/XX/2021 and XX/XX/2021 for missing close dates. For each month the deadline was the last day of the month. Neither deadline was met by the mortgage company or lender. We were asked for documents that the underwriter needed and in each instance documents were sent back within hours. I finally received clear to close documents 42 days after my deadline. The builder cancelled the contract. The cost of each month was {$8600.00}, so that total is {$17000.00}. The house has gone up in value approximately {$70000.00} based on the purchase price and the appraisal. The builder actually put the house on the market for XXXX. Not to mention the thousands of dollars I have spent on XXXX XXXX  and hotels waiting for these documents. We would like to reimbursed XXXX ( cost to push closing twice ), {$70000.00} ( equity we lost in the house ), {$150000.00} ( lost equity ) our cost for hotels and XXXX  for XXXX, XXXX and XXXX ( {$16000.00} ) and I don't even know how to figure a cost for the pain of suffering of having to move my family from place to place because we were given dates things would be ready for TWO months. If you add up these totals, it's XXXX we are asking for reimbursement including {$50000.00} for pain and suffering. This is an errors and omissions type of claim. Totals XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Nelnet, Inc.
State: WI
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:
Over the past 2 years, I have disputed the same account with XXXX and either they refuse to dispute it, refuse to provide me with the documentation they received to verify the account is reporting correctly, or refuse to explain to me what was updated when the information is the exact same as it was before the dispute. I have contacted the company directly and have submitted to XXXX the documentation received and XXXX will not use it from the company. The most recent dispute was not updated because XXXX just took the same information from the last dispute and applied it to this one. This account has been paid in full and paid satisfactorily, however, XXXX won't reflect that in the reporting and this error is causing me credit issues : I have also advised XXXX that the company is reporting my name incorrectly as well. The agent said, " it is a mispelling, not an inaccuracy ''. I advised the agent, according to the FCRA, all information must be reported accurately and a mispelling is an inaccuracy. 
Results Report Number : XXXX Date Generated : XXXX XXXX, XXXX US DEPT OF EDXXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose US DEPT OF EDXXXX Account Name XXXX Account Number Education Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$11000.00} Original Balance {$0.00} Highest Balance NA Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XXXX 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 2021-07-08
Company: National Credit Systems,Inc.
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:
On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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 for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX {$190.00} & XXXX XXXX XXXX {$200.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.

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 2020-04-29
Company: EQUIFAX, INC.
State: AZ
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:
ftc violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... 
- News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX XXXX  XXXX all XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A conventional loan was started on my single family home in XX/XX/XXXX with XXXX XXXX. All payments were made to XXXX XXXX  on time. The loan was sold to Bank of America within a few months and this is where the problems began. After several modifications due to possible home loss, it was financially difficult to keep up with my loan. Although I was behind on several payments during the loan process, I continued to work with the bank and kept up with the loan payments as best I could. In XX/XX/XXXX, my loan was sold to a loan servicing company called XXXX XXXX  XXXX. I continued to ask Bank of America, who was the company and why was my loan sold but they replied, you must talk to XXXX because your loan is no longer with us. I received the new paperwork in the mail but no one could explain the paperwork to my satisfaction. I continued to make payments to XXXX and I'm pleased to say I haven't missed a payment and I'm up to date. Throughout the long fourteen years of making payments close to {$1000.00} per month, one would think I would've paid at least half my home off. Instead, I'm left with owing {$150000.00} on a {$170000.00} original payment. So can you help me by contacting each lender and explain how my money was spent and ask them ( XXXX XXXX, Bank of America and XXXX XXXX  XXXX ) to send my refund to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20, Bank of America debited the account for {$6800.00} for an online billpay payment to XXXX XXXX XXXX. This was a physical check sent to them that was never presented to any bank and voided by the recipient ( we have photo proof of this ). This debit created an overdraft of the account. 

The bank credited the account back for the {$6800.00} on XX/XX/20 and they placed a stop payment on the check and provided a case number. 

The bank then debited the account again for {$6800.00} on XX/XX/20 even after the stop payment was confirmed. 

The bank credited the account back for the {$6800.00} on XX/XX/20. 

Then the bank again debited the account for {$6800.00} on XX/XX/20 - the second time they did this even though a stop payment was in effect. 

However, they have not credited this money back to the account after repeated attempts to get them to do so. Several phone calls on XX/XX/20, XX/XX/20 and XX/XX/20 and local branch visits on XX/XX/20 and XX/XX/20 were made in an attempt to resolve the issue. The bank is repeatedly missing the research timelines they have been giving of 3-5 business days and making no communication of any sort. 

The account holder is a XXXX year old women on XXXX that is confined to a XXXX XXXX under Coronavirus quarantine. These unreturned funds represent the majority of her assets and the banks negligence in returning these funds is jeopardizing her ability to pay for her room and medical care.

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 2021-10-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, Rocket Mortgage approved me of home loan for $ XXXX and provided me a offer letter than will expire XX/XX/XXXX. 
On XX/XX/XXXX, I requested to update the offer letter with the new address of the home I wanted to purchase and rocket mortgage unethically denied my approval and told me they ran my credit yet again and my score was lower than 3 mths ago. My score has now been pulled twice in3 mths, affected my score. 3 mths ago it was XXXX. 
XXXX from rocket mortgage asked me for another XXXX down and said it would be at a higher rate or I wouldnt be approved until my score went up ( although my offer letter hasnt expired yet ). 
There has been no delinquency changes to my credit report in the past 3mths to cause a drop. 
I feel Ive been discriminated against due to being single and a woman. I have great income ( XXXXXXXX plus per yr ) and credit. I also have the 20 percent down payment. 
I have now missed the opportunity to purchase this home. I feel rocket mortgage tried to get more profit from me as a potential customer by approving me and then when time was sensitive they made up excuses to raise profit margin or threaten to deny my loan, even with a existing offer letter. I have documents with all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I applied for and received a Citibank XXXX XXXX credit card. When I received it, I found out it required a {$450.00} annual fee, due immediately. I destroyed the card and called Citibank on XX/XX/20 to cancel the card. I spoke to a representative who convinced me to keep the card and she would waive the fee for the first year. They sent me a new card. I then received a bill from Citibank for {$450.00} and called them back. Another customer service representative told me that the first person was wrong and that there was no way to waive the fee. So, again, I told them I wanted to cancel. He asked me several times if I was sure and then told me to destroy my new card and that the account was closed. 

After that, I received one bill for {$450.00} and thought this was billing made before my cancellation. Yesterday, I received another bill and called Citibank. This time I was told that 37 days had passed since my first bill and therefore there was no way to avoid the {$450.00} fee. The representative now said she was successful in canceling my card, but I would still have to pay the fee. Of course, I was very angry, but the woman told me there was nothing I could do. 

Now I have no card and owe them {$450.00}. I will be sending them a certified letter tomorrow to escalate the dispute as suggested by the FTC. They say this prevents me from threats to destroy my credit score while this is being investigated.

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 2018-06-05
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
Over XXXX XXXX weekend, I traveled to a real estate class in Utah. Upon my return, I attempted to pay a {$30.00} airport parking charge and my BBVA Compass card was declined. Since it had a {$12000.00} credit limit on it and only about {$2000.00} worth of charges on it, I did not understand why. On Tuesday, XX/XX/XXXX, I contacted BBVA Compass who informed me that XXXX provided them with a notification that I was overextended. I'm not. As a result of XXXX XXXX  information, BBVA Compass lowered my credit limit to {$2500.00} leaving me {$11.00} in available credit, which obviously can not pay for a {$30.00} airport parking charge. I invested in real estate training to better my life and now I'm getting chastised for it. I have never been late or contacted any type of credit repair agency to fix anything as there was nothing to be fixed. There still isn't. I am very angry over this unjustified action and I believe there has to be some type of law or something that can keep people like XXXX and/or BBVA Compass from destroying my life. The only equitable solution for me would to be reinstate the credit limit on this card. Anything else is an insult.

Company response to consumer: Closed with explanation