BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regards to SPRING OAKS CAPITAL. ACCT # XXXX. They have violated my consumer rights which is probable cause for deletion of alleged account. First off according to 5 U.S.C. 1681 section 602 A. States I have the right to privacy. They also violated 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. I have not communicated with this company or gave them written instructions to furnish my account. Following Section 604 [ 15 U.S.C. 1681b ] ( a ) states in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. This is not a judgement. I was not taken to court for alleged debt This is another clear violation. This brings me to Section 604 15 U.S.C. 1681 states, Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This alleged debt is not considered a crime. This account would be considered an adverse action. The legal definition of Adverse Action is a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ). This is grounds for removal. Another violation is Section 607 1681e which states A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report. The original creditor obtained my credit report with the intent to resell any information to Spring Oaks Capital. Grounds for removal. Responsibilities of procurers for resale. These are clear violations and the law according the FCRA. I expect to be treated fairly and equally as the consumer with regards to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong 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 2015-04-23
Company: Pinnacle Credit Services, LLC
State: NY
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:
it was n't opened by me and they still have it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: FL
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attn : XXXX XXXX XXXX, CEO BANK OF AMERICA N.A XXXX XXXX XXXX XXXX XXXX, NC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX Bank of America # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XX/XX/XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE 2006-FM2. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of XXXX and its reputation. 

This account previously serviced by Bank of America N.A ( BANA ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request XXXX/BANK OF AMERICA to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX  XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXXAccount # XXXX. In these months I have not received a notice in 45 days and show that this account is out of investigation. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PNC continually has accessibility issues with their online banking. In attempting to link my PNC checking account with my XXXX  daughter 's new daycare I am receiving yet another error message that I am unable to link my checking account with our new daycare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Manhattan Beach Venture, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Please stop calling my relatives and friends about my student loans. I need them combined and help with them. I was granted forbearance and they still said I was late in 2018 and are ruining my credit. I need all the old accounts off!! They are 20+ years old, I need the 3 that have balances to be combined. I need help paying them off, Covid hit my family hard and I can not afford to pay them.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
So I took out a title loan was making payments on time made a payment for XXXX on XX/XX/2022 got in a accident the same day called my insurance company and they started the process at that point I owned XXXX so I called one main financial and they said I owned the XXXX so I called XXXX for the payout they got from one main financial and the payout was XXXX on XX/XX/XXXX my car value was XXXX deductable of a XXXX which totaled XXXX then on XX/XX/XXXX my gap insurance picked up XXXX so if you substract the payout amount from the XXXX you get a balance of XXXX they did not do this they started with the balance of XXXX which gave me a balance of XXXX so I called them and asked them what the payout amount was for this and they told me XXXX which I paid on the XXXX of XXXX which I shouldn't had to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I scheduled to USAA for an additional principal payment to be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened numerous times in the past. In XX/XX/XXXX, I filed both a CFPB and XXXX complaint on this same issue and was told " XXXX recently implemented a process that would have automatically addressed the payment issue you identified in XX/XX/XXXX. '' However, this process either was not followed or did not work on the payment I made on XX/XX/XXXX. When I called an agent to have the payments to be correctly applied, she failed to do so. I had to call a XXXX time where the new agent told me the 1st agent never took action to correct the payments. I've also requested to speak with upper levels of management to understand why this keeps happening as XXXX/USAA are incapable of appropriately servicing the mortgage, but have not heard back from anyone in either company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Fay Servicing, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Account is settled and older than 7 years, it needs to deleted off my credit report. I need to purchase home and this is hindering it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: John C. Heath, Attorney at Law, PLLC
State: LA
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 have a lot of hard inquires on my report that I never applied for been trying to get them removed to build my credit to start both of my businesses and dont know where to start with getting them removed fast as possible I personally never filled nothing out at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was not able to make my bi-weekly payment of {$180.00} this week. I left multiple messages for the company explaining this and that I would have the payment of {$180.00} on XX/XX/2020. I recieved a text messgae at XXXXXXXX from XXXX threatening me to not make him " use his resources ''. He stated in a text later in the day that as a Officer of the Court what about my Ethics. Made multiple referneces to my job making me feel as if it were being threatened. He make continuous references to me buying another vehicle telling me to pay my car payment like I pay my other car payment. I am no longer comfortable having any contact with this man. I informed him that further commuication would be with his boss and he sends me his contact followed by another text in all caps stating that they are in the office waiting for my call. I have never dealt with any type of debt collection practice like this in my life. This is not OK!! XXXX has contacted me from his cell ( XXXX ) XXXX and his office ( XXXX ) XXXX. His boss is XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
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 is missing that should be on the report

Complaint:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** _XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX, FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Employment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX   XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are  all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** _XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XX/XX/XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
_XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
_XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to me. Delete it!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation