BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. Experian reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account 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 2015-04-30
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE SUBMITTED A MODIFICATION REQUEST TO MY SERVICER BSI ON XX/XX/2016 AND HAVE CONFIRMED RECEIVED ON XX/XX/2016. THE REPRESENTATIVE THAT IS ASSIGNED TO THE FILE IS XXXX XXXX WHICH HAS BEEN ASSIGNED SINCE XX/XX/2016 AND HAS NOT PLACED ONE CALL NOR HAVE REVIEWED THE FILE ONCE. THERE ARE NO NOTES PLACED ON THE FILE BY MY ASSIGNED REPRESENTATIVE EVEN THOUGH I HAVE BEEN CALLING TO MAKE SURE THE FILE IS MOVING FORWARD NO CALL BACKS NO MOVEMENT, THIS IS NOT ACCEPTABLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: NV
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:
I noticed a hard credit inquiry made on my Experian credit report by " XXXX XXXX  '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. Experian is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.

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 2021-01-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a report on my credit regarding a debt in the amount of {$4300.00} from XXXX at XXXX, address XXXX XXXX XXXX, XXXX, TX XXXX. The debt is now with rent  recovery solutions, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. Phone number XXXX. I have attempted to reach out to the original creditor asking for detail statement of charges which they refuse to send. They are collecting on a debt that is invalid due to the balance. They can not prove the validity of the balance. I spoke with rent recovery solutions and my collector handling my file admitted herself that the balance was wrong and the apartments refuse to send an item my statement to them as well. The collector handling my file also claimed the property was trying to charge for not providing a notice to vacate the property, I, in fact, did submit an email stating my intent to vacate the property per management at XXXX XXXX 's request. I have the original email which I sent to the property on XX/XX/XXXX at XXXX. I sent a copy of the email via usps mail to the collection agency as proof of submittal. I attempted to reach out to both the collections agency and creditor as far as correcting the balance. The property has never responded acknowledging any email sent. The balance the complex is trying to collect on is entirely invalid. The first balance the apartment complex claims was in the amount of {$900.00}. The next amount that the complex try to collect on was {$1000.00}, I have attached a copy of the letter sent. The next balance the apartment complex try to collect on is now the {$4300.00}. The amounts are continually changing which makes it difficult to find out what the true balance is, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Collection Technology Incorporated
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
One line CD application by Bank of America. Opened up a CD with Bank of America online with XXXX K. It asked me the Bank routing number and account number to debit the money. Application is opened on XX/XX/XXXX with confirmation number XXXX. Money withdrawn from my capitalone bank on XX/XX/XXXX. Account didn't show up after 5 days. Called BOFA customercare 2 times, they guaranteed on the CD processing. Account didn't show up yet. Called BOFA on XX/XX/XXXX they said its not allowed to open CD online using another bank account and they are not sure where the money is. BOFA shouldn't have allowed me to open the CD using another bank in first place, instead they withdrawn the money with no notification. It caused me trauma on this money and the customer service agents had no clue instead they harras 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 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I've sent multiple letters from XX/XX/2020 up until XX/XX/2020 disputing the accounts on my credit report. The the credit bureaus keep saying they have been verified but they have not sent any proof supporting their investigation. I seriously need help with this as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Refusing to cash check. 

Certegy reason XXXX Can not find clarification on the issue non existent. No way to correct this.

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 2021-01-09
Company: EQUIFAX, INC.
State: AR
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:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XXXX, XXXX and Equifax are reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX XXXX, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Provided documents to chexsystems to give notice that this name has a common law copy right notice, aswell as a Notice of Intent Fee Schedule and Ucc Financing statement to show that said property belongs to a secured party. Chexsystems has blatantly disregarded these documents and continue to report negatively within their reporting system and making this public information to other financial institutions.

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 2016-02-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.

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 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have repeatedly asked Navient to provide me with printed payment history, as the company has not permitted me to make lump sum payments to principal. I have yet to see my statements. Any large payments I have made have been placed as future dated payments allowing the company to collect additional interest, rather than applying the payments to principal. 

All of the below mentioned have impacted me : Trouble with how payments are handled Do n't agree with fees charged Received bad information about my loan Need information about my balance/terms Keep getting calls about my loan Having problems with customer service I went to two schools and borrowed on both : XXXX and XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: RGS Financial, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Huntington Bank is refusing to produce the records requested by a subpoena dated XXXX XXXX, 2015, for copies of specific documents from an IRA account for a deceased account holder. It appears Huntington Bank issued checks to the wrong beneficiaries on the IRA account of concern. Huntington Bank personnel indicated they disbursed beneficiary checks to XXXX ( XXXX ) individuals and they provided the names of those individuals ( XXXX sisters and XXXX nieces of the deceased account holder ). A Huntington Bank document in my possession indicates there was only XXXX ( XXXX ) primary beneficiary ( XXXX of the sisters of the deceased ) and XXXX secondary beneficiaries listed on the beneficiary document. The beneficiary document indicates that secondary beneficiaries are not supposed to inherit any monies unless all primary beneficiaries are deceased. The primary beneficiary is alive. On the document we possess it is noted that the primary beneficiary is supposed to receive 25 % of the account funds. Therefore, the remaining 75 % of the account funds are supposed to be probated ( or distributed via a settlement between the parties ). I am a probate beneficiary and I also am acting on behalf of the other probate beneficiaries for this account. Huntington Bank is also refusing to provide our attorney, me, and the primary beneficiary with the requested documents. Huntington Bank 's failure to comply with the subpoena is creating additional stress, attorney fees and expenses for me and the other beneficiaries, as well as causing a serious delay in the resolution of this probate estate matter and further duress by this delay. Huntington Bank needs to provide copies of actual requested documents to our attorney immediately. If Huntington Bank is not able to provide copies of actual documents matching the distribution made by their agents, Huntington Bank needs to request that their insurance company restore the funds to the IRA account and await further instructions from our attorney regarding the proper distribution of the beneficiary funds. Also, Huntington Bank billed our attorney {$16.00} for sending our attorney a letter with the information improperly provided ; the subpoena requested copies of actual documents and not someone 's typed interpretation of those documents ; Huntington Bank needs to reimburse me for that charge ( passed on to me by our attorney ). Huntington Bank will also need to reimburse me for all attorney fees, legal fees, expenses and court costs created by their mistakes and improper delay of this case. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.

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