BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: AL
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 recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear CFPB, I am writing because I am being unfairly harassed and sued by Profession Finance Company on behalf of Colorado XXXX XXXX XXXX for emergency medical services provided XX/XX/2017. 

I was fully insured at the time of service by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Phone : XXXX Group # : XXXX That insurance information was provided at the time of service and several times there after AND The insurer has agreed to accept the claim even though it it late if the provider just resubmits it AND In a conference call with XXXX XXXX XXXX XXXX and a my insurer, a XXXX representative explained that only the provider can submit or re-submit the claim AND The XXXX XXXX XXXX XXXX representative agreed to resubmit the claim but never did so. 

The non-payment is therefor the sole responsibility of Colorado XXXX XXXX XXXX and PFC who have been negligent in failing to properly submit ( or re-submit ) this claim as instructed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a complaint against Sequium Asset Solutions on XX/XX/XXXX for a false claim that I owe XXXX XXXX XXXX debt that was already paid. XXXX XXXX XXXX presented false records for cable service that I didn't have after XX/XX/XXXX, and they were uncooperative in resolving the issue. The previous CFPB Complaint Number was XXXX. 

I also submitted a XXXX  Complaint on XX/XX/XXXX and XXXX XXXX with Sequium Asset Solutions agreed to resolve the complaint on XX/XX/XXXX by " A deletion of our account will be processed to have our account deleted from your credit file with the three major credit reporting agencies. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' However, Sequium began corresponding with me by mail last week by sending the same XXXX XXXX XXXX debt collection bills. Ms. XXXX didn't keep her word that was previously given. She doesn't answer her phone and her voicemail is always inactive. 

This morning, I received an email from XXXX  Credit Bureau stating that my " FICO Score decreased, and my FICO Score Rating changed. '' My credit score dropped 22 points from XXXX to XXXX from Excellent to Very Good for no apparent reason. I checked by credit report and there is no change to my report. I can't file a dispute on the XXXX  site because there is no change to my report except for the decrease of my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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:
Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX+ Visa Signature Credit Card issued by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I tried to contact Bank of America to figure out any solution to recover my credit card and the unused reward points on this card but I still have not received any reply from Bank of America yet.

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 2021-07-03
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company IC system is illegally re-aging my debt which is in violation of the fair credit reporting act. This acct was was settled in XXXX  and IC had it then. They never removed from my reports and Ive disputed this several times with no resolution they just keep re-aging it. I have attached my payment letter from the original creditors which they are ignoring

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 2021-09-01
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: Investigation took more than 30 days

Complaint:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

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 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of the 2016 " XXXX  Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/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 2020-11-23
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I traded in my car and purchased a new car a week before all of the lockdowns started in XXXX. I was current on my other car loan prior to trading it in and was not late on any payments. I have been having issues paying my loan which is substantially bigger than my prior loan due to the pandemic. They deferred my loan 3 months but am now behind almost on 2. The loan is with Ford credit. They had a promotional a week after I bought my vehicle to defer financing for 6 months due to the pandemic but would not grant me this reprieve. I have been struggling ti find steady employment since XXXX due to the virus and am not risking losing my car. I tried to return the car once the pandemic hit abs get my other one back but they would not let me. They have also denied requests ti decrease my monthly payments fir the time being or grant me any months off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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:
I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to Experian, XXXX, and XXXX  they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

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 2021-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: National Credit Systems,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:
XX/XX/XXXX National Credit Systems , Inc . 
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. 
Amount {$670.00} paid XX/XX/XXXX. 
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. 
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. 

This is not acceptable business practice by any means..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions 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:
These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters

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 2023-02-24
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are a lot of things that are going on here so I'm going to try and break them apart into different sections of the complaint based on how they are worked out and have been discovered. 
M & T bank obtained my loan starting in XXXX of XXXX it had previously been held by XXXX XXXX XXXX XXXX. We had no problems during the time the loan was held by XXXX XXXX XXXX in terms of payments or clear explanations of what was going on until they began the selling process to M & T Bank. Since M & T bank has taken over there have been repeated missteps, miscommunication, and problems many of which are surrounded by our escrow account and XXXX XXXX. 

Problem 1 ) Somehow XXXX XXXX XXXX XXXX  did not pay our XXXX  for 12 months. M & T Bank took the money from our Escrow account to make this current however, according to our Escrow Disclosure any late payments, fees, or interest associated with payments not made in a timely manner are the responsibility of the bank. I have highlighted and sent in this information to the bank and received back our mortgage is required to have XXXX  and that's what the Escrow Account is for and we're not entitled to the money back even though the bank did not make timely payments. They also overpaid the PMI by 2 months and have since corrected that problem admitting their mistake. 

Problem 2 ) Also in our Escrow Disclosure is the right for us to remove PMI from our mortgage earlier as long as our principal balance must be 75 % or less than the appraised value. We have requested on multiple occasions to have the house appraised again as we bought it at over appraised value and put in {$50000.00} worth of work which should put us over the clause. M & T Bank continues to say we're not eligible for this and " SONYMA does not accept or consider home evaluations such as appraisals when reviewing for mortgage insurance removal. Your PMI will automatically be removed at an XXXX of 80 % or below if a satisfactory pay history is maintained '' even though there is a clause in our mortgage that states differently and XXXX XXXX XXXX XXXX  was aware of and willing to do before they sold our mortgage. 

Problem 3 ) When making our XXXX  current and something to do with taxes I'm still not 100 % clear on M & T Bank cleared out the majority of our Escrow account making it short for XXXX. I understand this can happen and have no problem paying into the Escrow account to ensure our payment does not go up. M & T Bank is insisting we can not pay the full shortage and they must raise our payment. I don't even know how much we're actually short because of the situation where they over took XXXX  in problem 1 and they've also attached an additional {$730.00} tax estimate into our account that doesn't exist as we only have 3 tax payments 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 2020-09-08
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:
I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, XXXX, and Transunion they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX  or Transunion does not have any files to verify these accounts, nor will they delete it.

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 2020-09-08
Company: Experian Information Solutions 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 am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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