BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We had a Bank of America for 15 years which we used for big purchases and would pay off at the end of the month. On XX/XX/XXXX we were mailed a letter stating that are account was closed. We left on an out of state vacation on XX/XX/XXXX and did not receive the letter. Called Bank of America while we were in Alaska trying to find out find our card was not working and we were told that the account was closed. The service person that we talked to could not tell us why the account had been closed and offered no other help. When asked if the account could be reopened he said that he would have to transfer the call at which time the call ended. We did not carry a balance on the card and were very rarely late on a payment over 15 years. I can not see a reason to cancel the card and then have a rude service person speak down to us while trying to figure out what was going on while we were on vacation.

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 2018-09-08
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.

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 2018-09-08
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX, XXXX and Experian are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the 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 2018-09-08
Company: EQUIFAX, INC.
State: KY
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:
Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XX/XX/2018 XXXX XXXX called 6 times. This is in reference to a Synchrony Bank/JC Penny credit card. 

I have personally reached out to Synchrony several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There is a collection account on my TransUnion credit report that is with XXXX  # # XXXX opened XX/XX/2015 reflecting a balance of {$2400.00}, this is not correct. I had only 2 accounts with XXXX  # XXXX and # XXXX which has {$0.00} balance and paid as agreed. This outstanding account does not belong 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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!

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 2021-08-07
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: Public record information inaccurate

Complaint:
I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX College in 2007, for XXXX  XXXX, and was unable to find a job for the profession. Instead found work with an agency. I was unable to pay my student loan monthly due to my pay at work. At the end of the year, when I did my taxes, I did not get anything back due to my student loan. This happened for about 4 years. Then I received a letter from my lender stating I was so all paid up. Now I receive a letter stating I owe XXXX Dollars to Navient Solutions. I believe they're trying to stiff me. I'm no longer working due to an accident at work, and I deny making any payments I feel I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I borrowed {$62000.00} in XXXX my mortgage company is Ocwen. I sold the condo XX/XX/XXXX. I just received the final payment for {$65.00} taxes, I don't even know? 
I borrowed {$62000.00} and just paid the loan off of {$58000.00}. I made the payment of {$440.00} for 13 years and 10 months. I feel XXXX financially. Please help me if you can. Financially XXXX. 
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 2018-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.

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 2021-08-07
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a complaint against my mortgage company Fay Servicing and the handling of my insurance proceeds for the hurricane. I have been waiting over two months for them to Pay the company that finished my roof on my house. I submitted the invoice and they paid half before they started at the beginning of XXXX on XX/XX/XXXX. I have been waiting since then for the other half. The roofers completed the roof on my house on XX/XX/XXXX. They told me that an inspector had to come out before they paid the other half. The first inspector was supposed to come out on XX/XX/XXXX. However he never showed and never called. Fay Servicing took two additional weeks to try to contact that adjuster. After two weeks of no response they found another adjuster. It has been over four weeks since the second inspector has been to my house and submitted pictures. Fay Servicing told me that they still havent received the pictures. I spoke with the inspector on the phone and he resubmitted the photos to them. I keep calling Fay Servicing to get my roofer paid. I have spoken to numerous supervisors. They are giving me the run around with confusing information. Ive been told that they dont have the pictures to they have the pictures but there department havent had the time to look over them yet. I have much more damages and out of the pocket expenses for my house but cant get my money from Fay Servicing to cover it with my own insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Total Card, 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: Account status incorrect

Complaint:
I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 I filed a complaint with XXXX XXXX, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with XXXX XXXX. XXXX XXXX removed all references to these debts on my credit reports, and I assumed that XXXX XXXX would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and XXXX XXXX knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for XXXX XXXX to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from XXXX XXXX and XXXX XXXX XXXX, XXXX. 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 2020-06-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is with Lakeview Loan Servicing with my escrow account. Lakeview is calculating my taxes for FY XX/XX/XXXX incorrectly and forcing me to place an addition {$200.00} into my escrow account and raising my monthly mortgage payment. My county taxes for XXXX XX/XX/XXXX will be XXXX per the XXXX XXXX Treasurers office. Lakeview says my taxes will be XXXX, a difference of XXXX which more than covers the alleged short fall of the escrow account. 

My escrow account on XX/XX/XXXX will have a balance of {$910.00}. Leaving my current monthly payment the same with no changes, my escrow account on XX/XX/XXXX will have a balance of {$1200.00}. 

Thank you.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX store XXXX. I filed the lost/stolen claim at the XXXX store 4. The XXXX store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone

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 2019-05-23
Company: Diaz & Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am the recent victim of potential identity theft so I recieve alerts to my phone whenever there is a change to my credit report. I recieved a notification from Diaz and Associates that I owed {$780.00} from XXXX XXXX from XX/XX/XXXX. I promptly called Diaz and Associates because I had no recollection of the debt. The representative I spoke too immediately tried to get me to " settle '' the debt even-though when verifying my address they had me listed in XXXX not XXXX where I have resided for the last four years. When I disputed the debt and asked for it to be verified I was transferred to another gentlemen who wanted to argue with me and refused to verify the debt. He then claims a notice was sent out to me and that he could email me a verification of the debt on the spot, which I know is not appropriate because I would think he would be able to verify all of that with the original debtor. When I advised him that I will not be paying today and I would be filing a complaint, he responded, " I don't care file your complaint ''. Now my credit score has  dropped 20 points for a this debt that this company can not verify. In addition, they claim the debt is from XX/XX/XXXX but they are only now trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: MD
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 in receipt of my Equifax credit reports dated XX/XX/XXXX,  I noticed the following credit inquires on my report : ( See attachment ) The ( 3 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX, without my knowledge or consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. 

I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. 

XXXX XXXX agreed the inquires were made in error, promised to contact Equifax submitt request for deletions/removal. According to XXXX XXXX an request was submitted several times to Equifax. 

I reached out to Equifax on XX/XX/XXXX, tried to dispute the above mentioned inquires and was denied. According to Equifax an conumer can not dispute inquires or removal. 

I explained to Equifax under the FCRA any inacccurate information can be disputed by the conusmer and removed, in addition provided copies of letters from all parties asking Equifax to remove above mentioned inquires. Equifax not only refused to take my dispute but also refused to remove said inquires in direct violation of the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3.  What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Source Receivables Management LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have tried to explain the account is not mine and that the phones was traded to XXXX for a promotion to buy the phones and pay off the fee to cancel phone service. The balance is XXXX responsibility.

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