BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In late XXXX, my family suffered a loss of income due to a change at my employer leading to a reduction in hours I spent doing side jobs. 
In late XXXX, Bank of America advised our line of credit mortgage payment would increase from $ XXXX/mo to $ XXXX/mo. This substantial increase in required payment, coupled with roughly a 30 % reduction in income resulted in a hardship. 
We contacted BofA and started the loan modification process. In XX/XX/XXXX I inquired into the loan mod status and was advised that the modification request was denied and closed. The representative could not tell me why. We reopened the case and began resubmitting documents. 
In roughly XXXX or XXXX of XXXX, we received notice that we had been approved for a modification. Bank of America was allowing us to make payments of $ XXXX/mo for three months to get caught up on our past due line of credit payments. If we could not afford $ XXXX/mo, how could we afford $ XXXX/mo? I contacted our customer relationship manager at that time and asked if there were any long term modifications available after the three month trial period where our payment had gone from {$180.00}, to {$580.00}, to {$1600.00}. I was told at that time that Bank of America had no programs available for our situation where the bank held only the second mortgage on the home and not the first mortgage ( XXXX services the first mortgage, Bank of America had sold or transferred the mortgage to XXXX within the previous year ). Had Bank of America told us from the start that our situation ( XXXX note held by another bank, only XXXX note was held by BofA ) did not fit their criteria, we would have taken a different route, XXXX that would have allowed us to refinance some time in the near future ( we have a short sale on our credit within the last year and were told that made us ineligible to refinance with Bank of America or any other lender at that time ). Unfortunately, we believed Bank of America would be modifying our loan and had become behind in payments at this point. Our credit suffered and we were more stuck than we were before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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:
This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX XXXX. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

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 2022-03-29
Company: Time Investment Corporation
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:
On XX/XX/22 I submitted a formal complaint against Time Financing Services regarding their violation of the Fair Credit Reporting and the Fair Debt Collection Practices act. 

I also requested validation of the debt they are reporting on my credit report. To this day, they have failed to provide validation of the debt. They have also failed to provide me with any steps taken to validate the debt. And have also failed to provide any proof that I have a contractual obligation to pay them. 

In their response to my original complaint they stated they do not have any record of me in their files. They also stated that they sent me a form to fill out to verify my identity. 

It is NOT MY JOB to do that. The burden of proof is on them. They have repeatedly failed to validate the debt, they have also failed to mark my credit report with dispute comments within 31 days of receiving my complaint. 

They are in violation of my consumer rights, they are also violating state law with their error in reporting. 

To add insult to injury, they didnt even bother to get my name right in their response. Shame on them!! 

Im also filing a complaint with the NC Attorneys General office regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CL Holdings LLC
State: IL
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 keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: Charlottesville Bureau of Credits, Inc
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of 2010 I opened a contract with XXXX, under the terms that I can break the contract at anytime due to them wanting my business and I was preparing for a transplant. The manager their signed me up for a membership, and stated with proper documentation they will not charge me anymore once it came time for my XXXX. However after moving, and deciding to review my credit this account was sent to collections, and I was indeed charged. I reached out to the corporate office of XXXX of the XXXX where I originally had my membership, and they stated I had no negative account and I was cleared from their system years ago. They advise me to ask the collection agency to send me verification of this account. I reached out to Valley Credit Services and was told by a female customer service rep they do not talk to debtors, nor do they verify, I would have to contact the gym. How? The gym sent me to them, and stated the information was not in their system as me owing them anything.They would n't even give me the name of the person/persons sending them this information. I spoke with the general manager of XXXX, as well as the gym manager and neither said they had negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My social security number was involved in the Equifax data breach earlier this year or last year. When I found out that my social security number was involved, I went about the steps to claim compensation. Since I already have credit monitoring Services I opted for the cash settlement of {$120.00}. This occurred in early XX/XX/2019. I followed all the directions of their subsequent emails after filing my claim and have met all their criteria to receive the settlement. However it has been 6 months and I have not received any confirmation any settlement or anything regarding my claim. Equifax offered either 10 years of credit monitoring or the compensation and since I already have credit monitoring I opted to get the compensation of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Financed the buyout of a lease with Honda financial and sent payment on XX/XX/XXXX along with the requested POA and Odometer statements to have the title transferred. Those documents were imaged by Honda Financial and sent as opposed to the originals to transfer title. State of Ohio requires original documents. Lender followed up 3 and sent updated POA '' s and Odometer statements. They documents continued to be lost. On the 4th attempt documents were sent on XX/XX/XXXX with a prepaid XXXX label prepaid by Honda financial in which they provided an incorrect address. The documents were received by another one of their departments, signed for, and lost again. Lender has offered to receive title with Honda financial completeing the top half as required and process title transfer locally. Honda financial is saying that their process does not allow for this even in the event of continued lost documents, providing incorrect information, and making material misrepresentations about the situation. Original payoff was received by them on XX/XX/XXXX and as of XX/XX/XXXX they have not transferred title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
FOUND OUT SCHOOL WAS A FRAUD.NOT ACCREDITED. UNDER LAWSUIT BY OTHER STUDENTS. CHARGE ME {$120.00}, OOO TO ATTEND. WHICH TO PURSUE LAWSUIT. WANT LOAN REMOVE FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Some one with access to my account is manipulating my account, funds available, reversing purchases etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
After receiving my credit report, I am not happy to see the below items they are is inaccurate and erroneous

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 2015-10-01
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a secured credit card with Capital One. I provided them with a deposit of XXXX and was granted a credit line on XXXX. 
On XX/XX/2017, i cancelled the card and was told via a webpage message that my deposit would be mailed. 
On XX/XX/2017, i, contacted customer service because i have yet to recieve my deposit check. They said it had been mailed and that i should recieve it within 5 business days. 
As of XX/XX/XXXX, i, still have not recieved my check. I called customer service and they said i would have to wait until XX/XX/XXXX ( over 60 days ) for my deposit check. 
It will be close to 3 months for me to receive my money. Its unacceptable and i consider it a seizure for interest profitting with money which is not theres. 
I want my XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
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, HSBC Bank Account # : 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: FMS Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked FMS to verify that I owe this debt on three separate occasions. I attached the letter that i have sent. Their response has been that they only have access to certain information. They have not provided the original copy of the contract between myself and the original creditor, the proper legal assignment contract between them and the original creditor. A line by line accounting of the original account, including detailed transaction history. Proof that they are licensed to collect debt in Colorado. 

What they have sent are a bunch of statements with no transaction history. They just show late fees on top of late fees. Absolutely, no transaction history. 

I have spoken with a lawyer and he told me that without the above referenced verification this will not stand in court. 

Once, again I am requesting what I asked for in my original letter. If you can not provide that to me, collection efforts need to stop. This is a clear violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: ECMC GROUP, INC.
State: CA
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 received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was late on my payment with XXXX furniture back in XXXX of 2020, but I quickly brought the account back into good standing. Despite that, XXXX continues to report my account delinquent, although I have been making regular, on-time payments since XXXX. I have contested the status of this account through Equifax, but XXXX refuses to report the proper status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account please remove from 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 2021-11-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting that collection agency remove chargeoff from my credit report as I have already paid debt in full. This is compromising my opportunties to get new credit. Below is the collection agency information. 

TRANSWORLD SYSTEM INC/ Original creditor : XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 100 % Balance on XX/XX/2021 Original balance - {$3500.00} Payment Info Original balance {$3500.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.

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