BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, the XXXX XXXX called my mother, father, and myself about a debt owed to a Bank of America account that was closed over 12 years ago. The account was closed due to inactivity and they claim that I owe {$490.00} but the amount went up to {$1400.00} because I didn't respond to something they mailed to my home. 

This is the message I received from the company : The message is intended for the immediate attention of " my name '' also known as " my married name '' regarding file number XXXX XXXX. My name is XXXX XXXX and this is my second attempt to contact you. It's in reference to a complaint that may be filed against you. To discuss these pending allegations, you'll need to contact the firm in control of this matter at XXXX. Will result in the department proceeding forward without your consent. Also, please be advised that this call has been submitted as proof that you have been notified of the pending actions that are against you. 

On XX/XX/XXXX, I called them back after they harassed my mother for a second time and I was informed by XXXX XXXX with the XXXX XXXX at XXXX that I was in danger of being sued by BoA for a debt that was charged off in XX/XX/XXXX. He informed me that they sent a letter which I never received and he would help me settle the debt if he had my email and would send correspondence where I would agree to pay off the {$490.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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 XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, also that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
American Honda Failed to validate account number XXXX per my request mailed on XXXX/XXXX/2020. 
Due to American Hondas failure to validate account number XXXX, I mailed a follow up letter on XXXX/XXXX/2020. 
On XX/XX/2020 I mailed American Honda Finance a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XXXX/XXXX/2020. Return Receipt Tracking number XXXX. 
Due to American Honda Finances failure to validate account XXXX twice, I demand the tradeline be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Navient Solutions, LLC.
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:
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of Navient Solutions . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD NAVIENT LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND NAVIENT REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. Navient is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of Navients failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Had an issue with " caliber home Loans '' Made a payment 7 days before the 30 days due date because of an error. 

Check was dated before the 30 days But they don't receive checks electronically so they received it 2 days after the 30 days and report me. 

When their rep called me for the payment I payed on my online banking with him on the line, he didn't tell me it takes them time to receive checks. 

I was never later for a payment before, ever. 

Spoke to XXXX their supervisor He said he see that check was dated on time but they received it after a week. 

Didnt want to help me or even to at least post that payment was made one day after the 30 days late.

I need to obtain a mortgage and I need this to be corrected. 
I desperately need your help. 

Caliber home loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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 in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/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 2019-09-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX 2019 we requested WELLS FARGO MORTGAGE help guide us to the steps for the removal of the PMI due to a recent assessment our county performed .... of which we discovered we were well over our original market price and qualified for the removal of this insurance ... so we contacted WELLS FARGO MORTGAGE they informed us everything looked perfect for us to move forward with the process ... we were advised to make a mortgage payment so we could avoid any other unnecessary obstacles ... so in good faith we immediately made the mortgage payment and the young lady told us she ordered the package to me mailed to us ... only to discover the letter informed us we didnt qualify so we called WELLS FARGO MORTGAGE to inquire about the letter only to have the young lady to say the mortgage payment was finally updated and she would resend the letter ... only to discover the same letter!!! We called WELLS FARGO MORTGAGE AGAIN!! To have someone else to inform us we had late payments and didnt qualify to have the PMI REMOVED!! Fast forward to today XX/XX/19 and we received another letter informing us that we will not automatically qualify for the removal of the PMI .... WELLS FARGO MORTGAGE is a TERRIBLE MORTGAGE COMPANY!! They DO NOT WANT TO REMOVE THE PMI!! They will lie!! Have you to pay extra and still find tactics to deny your request

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 2018-04-18
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I make one payment that covers three different loans that I have with one lender, they pull the money out of my account ( auto pay ), but it shows on my credit report the I missed ten payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) on two of the loan, but not on the third. I disputed this with a printed credit report with the issues highlighted and a copy of my bank statement showing the payments on the loans ( same amount as the years before and after ) and a typed letter explaining everything. I was told I would receive a letter back in 30 days to let me know what they found and I never received anything, so I called them and they told me I was denied for some reason they could not tell me and it would be in the letter that I never got.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: VA
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:
I have disputed on more than 3 occasions with Experian in regards to 2 accounts on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX Services back in XX/XX/2019. They said the 2 accounts were from 2 different hospital visits. I told them that I shouldn't have had a balance because I was covered by health insurance and gave them my health insurance information. They said they will have the accounts deleted from all three credit bureaus since I gave them my information. The accounts shouldn't have been on my reports. They were deleted off of my XXXX  and XXXX credit reports but it's still on my Experian report. I've contacted XXXX XXXX XXXX XXXX times in XX/XX/2019, XX/XX/2019 and today, XX/XX/2019. They told me that they have requested to have both accounts removed from my Experian report when the others were deleted off of XXXX  and XXXX  in late XXXX and XX/XX/2019. For some reason Experian isn't deleting them off my report and continues to keep it on for some odd reason I'm not understanding why when they've requested to have them removed. I've disputed these accounts along with others and sent in copies of my identity and they're still keeping the accounts on my report when they shouldn't be on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
I dont know what to put here. I have never had a payday loan. I have never even heard of this bank. The personal info I saw listed is a mish mash of real names and places that relate to me personally and then a bunch of nonsense. I feel like the credit bureaus have my real info why isnt that used to fact check or authenticate the error. 

????

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 2022-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax XXXX XXXX  Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service has failed to provide proof that I indeed owe this debt. They still report it to the credit bureaus without proof that I asked for. They are violating my Fair Debt Collection rights. Please remove this debt because Im never going to pay it. I do not owe it. Plus I was affected by natural disaster Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was bought by Freedom Mortgage Company. My mortgage with them started in XX/XX/XXXX. My original mortgage amount is {$1400.00}. I made the following payments : XXXX XXXX & XXXX, however, missed XXXX payment. In XX/XX/XXXX I made both XX/XX/XXXX and XX/XX/XXXX payments. Then I made my payments regularly in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX. I was always charged late payment fees of XXXX $ though most of my payments were made over the phone with the Freedom Mortgage Company either on the XXXX ( due date ) of the month or earlier, however, I still was charged XXXX $ late payment fee. The Freedom Mortgage Company did not credit my payments to my account with them and kept sending me letters of no payments and the last one was on XX/XX/XXXX showing high delinquency and outstanding amount of XXXX. I communicated in writing and over the phone with Freedom Mortgage Company and sent all bank statements showing that money was received by them. They kept giving me different scenarios of no sufficient funds in my account and wrong routing & bank account numbers. They raised my mortgage from the original amount of {$1400.00} to {$1800.00} claiming that there is a shortage in my escrow account. I sent them an XXXX sheet that shows all the payments as well as all the bank statements to prove the payment. On my online dashboard with them it shows that I made all the payment, however, they still claiming I did not make the payments. On XX/XX/XXXX, they sent me a letter confirming receiving the payments till XX/XX/XXXX. I made an XXXX payment as well. However, I received a call from them today XX/XX/XXXX confirming that I am delinquent for {$10000.00} and that I did not make my payments. I did not pay XXXX and XX/XX/XXXX. I requested to differ these payments as they suggested as well as XX/XX/XXXX payment, however, I was told today that they do not differ payments. They will rewrite my mortgage and interest rate will change based on my credit score. They were reporting me to the credit bureau since XX/XX/XXXX every month for no payment. This damaged my credit score completely and dropped me below 500. I have proof of all payments, letters, screenprints of my online dashboard with them to provide you to help investigate this matter. I need all my payments to be entered into their system. As compensation, I kindly require XXXX, XXXX & XX/XX/XXXX payments to be deferred to the end of my mortgage and send a letter to the credit bureau confirming that they reported me falsely. 

Note : They had {$520.00} and were put in an unallocated fund account as they called it. They applied this amount to my {$2500.00} In XXXX to cover both XXXX & XXXX Payments. 

Now I have {$1200.00} of the unallocated fund as you will see in the XXXX statement Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of XXXX payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my Wells Fargo account through XXXX on XX/XX/2023. This was an unauthorized transaction and my account was hacked.

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 2020-07-25
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Great American Finance Co
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Started the account last year, missed a couple payments due to bank not allowing the payment to go through, never missed a payment more then 30 days. When I stared this account I had to call multiple times because I never received bills, I've checked with the post office multiple times and nothing was there. Now that im getting close to the end of my payments they ended up removing my promotion for interest free claiming because I had missed payments. I had no idea thats how it worked I was never told by anyone that I could lose my promotion. i have done everything in my power to pay these payments I work two jobs to make sure of that. I never received a welcome letter and in the paper work I have for them nothing says they could remove my promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. Bank of America sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to XXXX  and asked them to research and respond over 20 days ago I am still waiting to hear from them.

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 2017-09-23
Company: EQUIFAX, INC.
State: MD
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:
I have one credit card account with XXXX XXXX XXXX. At this present time they is a duplicate account on my Equifax Credit Report. I have disputed thus account in the past and it was removed from my report, but at this present time it appears on my Equifax credit report rwice.

Company response to consumer: Closed with explanation