BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.

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 2020-03-05
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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on XX/XX/XXXX I called made my mortgage payment with Mr.Cooper for the month of XXXX. while on the call I asked for a payment deferment for the month of XXXX so I could have extra money for XXXX. I was told I could be put on a repayment plan and pay extra on my XXXX, XXXX and XXXX payment but not a deferment. I asked would it hurt my credit she said it would not show 30 days late since I was on a repayment plan. I asked several times since I had the money to pay it I was just looking to be able to give my kids a better XXXX I was also told I could make partial payments in those months and when the total of the repayment amount for that month was in there it would be applied to my acct. so I thought great. so I called back XX/XX/XXXX to pay XXXX which was a partial payment. I was advised I was never even put on a repayment plan I was advised I was turned in as 30 days late for XXXX payment I was also advised that there was no partial payments even allowed on a repayment plan. so I was put on the plan at this time and I payed my {$2100.00} at the end of XXXX I think on the XXXX. I made another payment of XXXX by electronic check on XX/XX/XXXX then today I look at my bank account and see fees because they tried to take my XXXX payment out again after my check has already been cleared and applied to my acct. this company just cant stop causing problems and they will not do anything to help fix them I also was turned in as missing my XXXX payment even tho I paid it on XX/XX/XXXX. so now I have been getting turned in as 30 days late until I get done with my repayment plan in XXXX. so I now have ruined credit after never missing a mortgage payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 : 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 2016-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
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:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2015-06-05
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Posted fraudulent record to credit Bureaus.

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 2015-12-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2022-07-10
Company: AES/PHEAA
State: TX
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:
With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX  they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SIERRA PACIFIC MORTGAGE
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: VA
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 has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state 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 explanation
Consumer complaint received 2022-07-10
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a balance transfer FROM Target TO XXXX XXXX. 
I am already paying on the balance transfered from Target however, Target is pretending they never got the payment. 

The balance was transfered and completed on XX/XX/XXXX. Target TOOK payment in the amout of {$3400.00}, which was my balance at the time. I called them before the balance transfer took place and after. They " can not find '' the payment and still are carrying on as if I owe them money. 

Please see the details below of the transfer. 

XX/XX/XXXX XX/XX/XXXX ELECTRONIC BALANCE TRANSFER XXXX # XXXX {$3400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days days of XXXX, 2022, which is the date they received it [ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me.

3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. 
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. 
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. 
Please assist. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The three Credit Report Agencies XXXX, Transunion and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.

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 2020-03-05
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: Account information incorrect

Complaint:
Transunion has violated my rights by not following proper fair credit reporting practices. I submitted a dispute online on XX/XX/XXXX I have been monitoring the progress since I started the dispute. the date of completion was set for XX/XX/XXXX. I called today to find out the result. they explained to me that the investigation has been completed. when i asked them why I was not informed they started that it was emailed to me. I replyed I never received the email, when I asked them which email they send it too they could not answer me and only replied that unfortunately the email was sent. They stated that the investigation was complete but I was not legally notified with-in the time frame they had. I requested verification and they would not provide it to me. I was never notified and I could not see the results online which is my right, with-in the time frame which is required by law of 30 days. The information has to be deleted. Transunion did not do the proper investigation and violated my rights under section 609,623, and 611 of the fair credit reporting act. I would not be so upset if the results was available to me online but no results where posted and I can only take there word with no proof of validation and with holding the results from me. the dispute and information must be DELETED

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