BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: Diversified Adjustment Service, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not certain how the debt collector has obtained my phone number for collection of a family member 's debt. They have called me XXXX times today alone after I explained that I was not the person they were looking for and provided a different phone number for them to call. They are rude to me when I tell them to stop. I am a XXXX, I ca n't have my phone ringing all day in classes, during study time, etc. It 's distracting and humiliating that my phone number is associated with this debt. They wo n't tell me any details about the company they are from. I know they ca n't give details of the debt due to confidentiality. I feel personally attacked and it has got to stop. This is not the first time this has happened from the same number. I usually do n't answer if it is a strange number, but due to my many contacts through school and networking for my future I do not like to ignore a number that calls with such frequency without understanding their intent. My intention is to stop the calls and return to my life. I am in no way responsible for the debt in question nor do I share a residence with this person. I do, however, acknowledge that this person is a family member.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, Transunion, XXXX   and XXXX has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7

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 2016-09-16
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all XXXX of my credit reports.

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 2015-03-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have an enclosed copy of the XXXX XXXX. Please remove the items 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 2022-02-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I take issue with the handling of my student loans since i graduated from college back in XXXX. I write to request that you urge the XXXX XXXX to modify the XXXX XXXX XXXX XXXX ( XXXX ) program such that periods of full-time public service combined with periods of in-school deferment would count toward XXXX, regardless of whether payments were made during those periods. 

Please consider the grounds upon which I issue this request : I have worked for public institutions in higher education since XX/XX/XXXX. When I began my employment at a university I called FedLoan Servicing regarding beginning my payments and was told that since I was a student it would be pointless to begin paying my loans since it would not count toward forgiveness. During this time I was only making around XXXX XXXXXXXX annually and would have qualified for XXXX XXXX monthly payment. Since that time I have consistently worked and gone to school full-time and have been told over the years that it would be pointless to go into repayment since I was a student. At XXXX point I was informed that since I so many loans if I began making payments some of the loans would not be eligible for repayment so I needed to wait until my degree was confirmed to begun payments on them so that they would have the same payment counts. Upon graduating in XXXX my payments began and my count began.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX BANK WAS CLOSING MY CHECKING ACCOUNT ON XXXX. ON THAT DAY XXXX PRINTED A CASHIERS CHECK IN THE AMOUNT OF {$4600.00} WHICH WAS MY CLOSING BALANCE AT THAT TIME. XXXX THE BANK MANAGER IN THE DOWNTOWN LOCATION INFORMED HER THAT SHE WAS NOT TO SEND MY CASHIERS CHECK OUT BECAUSE I STILL HAD WITHDRAWLS AND DEPOSITS COMING IN AND OUT OF THE ACCOUNT. ON XXXX THE BANK DEPOSITED MY CASHIERS CHECK OF {$4600.00} AND THEN IMMEDIATLEY FORCED THE {$4600.00} OUT OF THE ACCOUNT. NOW I WAS TOLD THEY DEPOSITED MY CASHIERS CHECK OF {$4600.00} TO COVER TRANSACTIONS COMING OUT OF THE ACCOUNT. NOW IF THE MONEY IS TO COVER TRANSACTIONS WHY WOULD THEY NEED TO FORCE DEBIT THE MONEY OUT, IT SHOULD HAVE BEEN DEPOSITED AND THEN TRANSACTIONS WERE TO COME OUT. WITH ANY BANK WHEN MONEY IS DEPOSITED IN THE ACCOUNT, THE BANK DOES NOT FORCE DEBIT IT OUT YOUR ACCOUNT FOR THE EXACT SAME AMOUNT. THE BANK HAS TO SHOW WHY IT WAS FORCED OUT AND WHAT TRANSACTIONS IT COVERED. THE TRANSACTION DOES NOT SHOW IT WAS COVERED JUST THAT IT WAS A DEPOSIT AND THEN A FORCE DEBIT. I'VE ATTACHED SUPPORTING DOCUMENTS WITH MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623, subsection ( 8 ) (  D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, secti on 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.    1.   XXXX   XXXX  : This account I have never done business with this company error please delete.   2. XXXX  : This account has inaccurate info  629 vio lation please delete.    3.    XXXX   XXXX   : This is inaccurate in information no validation errors please delete.   4. XXXX  : This is not a valid account error. I do not recognize this company no proof of claim information please delete

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 2022-04-08
Company: C/C Financial
State: PA
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:
Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Man at this point I am really sick of trying to deal with this company. 
I called Sagestream and left a voice message AGAIN and no one answered as usual NOR did anyone call me back. Hoping to get what I need done through here. 
You guys should really double check that these companies are submitting working numbers because they aren't working for us consumers. On top of that the ID 's I sent were clearly visible so it seems like they are just playing games with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is for debt validation from a debt collection company I.C. System us attempting to collect an alleged debt that is no longer collectible and has been illegally passed along form XXXX XXXX which could not validate the debt according to law. The company is attempting to report the alleged debt to the credit agencies and is in violation of both the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have also attached a letter for validation of this alleged debt with further explanation of the illegal attempt to collect this alleged debt.

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 2022-02-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo bought my loan from XXXX XXXX XXXXXXXX and unlawfully released a payment to better mortgage that was not permitted by me XXXXXXXX XXXX has waived any loan transfer fee in written communication and Wells Fargo took it on itself to release my mortgage payment to better and thereby defaulting my payment. 

On calling several times and asking to speak with escalations team I have been unsuccessful and hence need legal intervention.They have hung up on me and the escalation manager never returned my calls over a week now

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 2022-07-05
Company: WELLS FARGO & COMPANY
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:
My identity was stolen and this credit card has been open in my name without my consent fraudulently. My FCRA are being violated the company continue to report fraudulent information on my credit report. The address this account in isnt my address. The account isnt my account. 

XXXX XXXX Opened on XXXX XXXX {$670.00}

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 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
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 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 a 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : 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 ( XXXX XXXX : XXXX ) XXXX XXXX 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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.

Company response to consumer: Closed with explanation