BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: Grant & Weber
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
To whom it may concern, I spoke to a rep at your office this morning ( XXXX XXXX ). He was unwilling to work with me on my debt even after I offered to make payments on my account. He told me if I did n't pay off the account within XXXX days he would report it on my credit bureau. I explained my personal situation to him and he was unphased by it. it was the bottom line or nothing. In my research online I read that many collections agencies by debt for pennies on the dollar and have the ability to work with people to come to an arrangement to benefit all. This person was unwilling to do so. I have filed a complaint with the FTC and CFPB. There has to be someone out there to protect consumers from this type of bullying. I can argue all day long how the medical group handled this situation and how I even got to collections in the first place but that is neither here nor there. I do question the validity of this debt and claim. I am XXXX positive and this is very stressful. I live day to day and try to make ends meet. Consider this my notification to your office. 



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 2020-03-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My matter was forwarded to Equifax on XX/XX/2020 and I received a response on XX/XX/2020 from Equifax stating that the process generally requires US/EQUIFAX to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. It has been a total of 35 days. Per FCRA and the ftc.gov website credit reporting companies must investigate the items in question and respond within 30 days. There is no legitimate reason for the disputed account to continue to appear on my credit report ( PAST 71/2 YEAR STATUTE OF LIMITATIONS ) ( In total violation of FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-03-20
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX reported to Experian a new DOFD ( date of first delinquency ) for a negative account that had reached the 7 year date of removal, the account was removed when it reached the original date but then reinserted years later when XXXX purchased the loan. 

XXXX ( original account holder ) communicated the DOFD to the credit reporting agencies and by law, that date ca n't be changed!! The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. 


It is illegal for a creditor or collection agency to change the " purge from '' date on a negative credit listing, causing it to remain on a consumer 's credit report longer than allowed by federal law. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the " purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I have included my credit report pages supporting the original DFOD date, I labeled the pages ( Exhibit A page XXXX and XXXX ) I have tried to remove this entry before and Experian only comes back with " we verified the information is correct '' They have never sent me the evidence that supports the DOFD now listed on the 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity 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 2016-03-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a 6 year loan with santander on a XXXX dodge journey. I purchased the car XX/XX/2013 The pay off amount was for XXXX after finances were added. I have had this car for almost 3 years and the pay off amoumt has increased to XXXX dollars and has never lowered. Santander has lost payments, and after deferring two payments have started calling 4 to 6 times a day saying I am over XXXX dollars behind.I have been blocked out of my online account and can not retrieve any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: D. SCOTT CARRUTHERS
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.

Company response to consumer: Closed
Consumer complaint received 2015-09-24
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Confused how naviant is using my payments on the loans. Cant call them because need a lawyer. The XXXX me everytime in repayment. I have bill and the make my payments to what ever loan to charge more interest. Naviant is defrauding the American student. Put lates for no reason on credit report and lie

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 2015-04-15
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, Paragon Revenue Group sent a letter and an invoice to MY address ( Without my permission ) claiming that I owe them {$120.00}. I don't know who gave them permission to contact me at my home address, I don't know who they are, or how they have the audacity to claim I owe them ANY money. I sent them a debt validation letter on XX/XX/2022 ( see attached letter and certified mail green slip ). On XX/XX/XXXX, they sent me back everything I did not ask for, further proving they have violated my rights as a consumer ( see attached ). I've never done business with this company, I don't owe them money, and they did not provide me with proper debt validation. They did NOT abide by my demands and reported this fraud account to my consumer credit file anyways ( without my written permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Bank of America inquiries are not mine bank states that they had a problem with me before this is not true this is nit my inquiry

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 2022-09-05
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: Information belongs to someone else

Complaint:
XXXX To : Cfpb ( Transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX NA Account # XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

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 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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.

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 2022-09-05
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2018-01-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Potential Bait and Switch by American Express : American Express sent me a mailer offering XXXX Delta mileage points if I spent {$3000.00} within 3 or 4 months. I agreed to that offer, spent the {$3000.00}, and then did not receive that XXXX points. I contacted American Express, which then told me that I did not qualify for that offer, after the fact that I met my part of the contract. American Express then stated they would " look into it '' and expect an answer in 6 to 8 weeks. Of course no contact from American Express. 3 months later I again contacted them, and again the answer that " since I had a card from them 2 years prior '' that I did not qualify. ( Then why send me the offer?! ) My apologies to bother you with this. 
Those XXXX points can be worth up to {$1700.00} or so in air travel, so this is significant. 
My request is that they award the XXXX miles as they offered. 

Lastly, I recommend that the Federal Trade Commission and the CFPB make it a requirement that these kind of offers be clearly part of the credit card application process, that shows that a consumer " qualifies for their bonus or not '' at the time of the application ... .if not, then the consumer will not be misled and will go elsewhere for their business. These corporations should not be able to make an such an offer, then " we 'll look into whether you qualify for the bonus or not after '' switch after ... Is that a " bait and switch or some other illegal or unethical practice? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Solidifi US, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with my mortgage company to do a cash out refi on our existing home. We signed documents on XX/XX/XXXX at a title company locally as required by Texas law. On XX/XX/XXXX the loan still had not funded, even though we had passed our 3 day right of recision period. At that time we received an email from Solidifi Title asking for new signatures on a closing disclosure that we had already signed at the in person closing. They wanted original signatures which werent possible since we dont have a printer/scanner. I asked for guidance on another solution and did not receive response until the following day. On XX/XX/XXXX, I received an email asking for wiring and bank account numbers for the funding account as the account had a different set of wiring instructions than what is on the check. I tried calling the individual, and the phone was not working. I responded via email that I would not provide account information via email as its not secure. I called the mortgage broker at XXXXXXXX XXXX to also inform them of the problem. XXXX was very helpful and worked to get my updated information to the closer. The loan did not fund my account until the following Monday XX/XX/XXXX. My payoff of the old mortgage should have occurred on XX/XX/XXXX, but did not occur until XX/XX/XXXX. This cost delay cost me 5 days worth of per diem on the old mortgage which should have been returned to me, interest on my cash out that would have been sitting in an interest bearing account, and I believe extra days on per diem on my new mortgage. I am beyond frustrated with the actions of this title company and their incompetence.

Company response to consumer: Closed with monetary relief