BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I set up automatic payments for my new auto loan. 

I received notice in XXXX that the payment wasn't paid because they hadn't set up the automatic debit yet, so I paid it via phone. I was told then my auto payment was active going forward. Then in XXXX, I received notice that I was behind on my payment ( even though I did not receive any invoice or billing statement before receiving the debt notice ). I immediately called to inquire what happened, as the payment should have been automatically debited from my account. I was told my account was current and I could disregard the letter, so I did. 

Then I received two letters dated XXXX XXXX and XXXX XXXX stating that it was " an attempt to collect a debt '' and I owed a past due amount. I called to inquire and was told that I was missing my XXXX payment ( the auto payment had debited my account in XXXX and XXXX but was not set up for the XXXX payment, as I was told it would be when I spoke with them in XXXX ). Again, when I spoke to them after receiving the letter in XXXX, I was told my account was paid in full. I have never received any type of invoice or billing statement. Ever. They have my address to send me debt collection letters, not not to send me monthly statements.

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 2018-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is in violation of CA Homeowner Bill of Rights and RESPA guidelines. 
At issue is a short sale request that SPS confirmed receipt on XX/XX/18. CA Homeowner Bill of Rights and RESPA both require lenders and servicers to help homeowners avoid foreclosure. SPS is refusing to open short sale request due a foreclosure sale date that is scheduled on XX/XX/18 which is over a month away from when the short sale request was received by SPS. This is unacceptable and an invalid denial reason. 

By denying the right for homeowner to do a short sale SPS is in fact denying the legal requirements of CA HBOR to help homeowners avoid foreclosure. The argument that there is not enough time to review for a short sale is a false argument. SPS can order their values and have that values in house within 5 days. At that time if the offer is within the range of their values then they know they have a fair offer. If not they are required to counter the buyer and give that buyer the opportunity to increase their offer to meet requested amount. 

Not adhering to the law will lead to statutory damages allowed for in CA HBOR & RESPA not limited to {$50000.00} plus attorney fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Navy federal keeps charging me outrageous overdraft fees so much that I had to switch banks and they keep charging me I am now overdrawn over 1000 I need some type of compensation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE LAW OFFICE OF JENNIFER MCCOY, P.C. 
XXXX XXXX XXXX # XXXX XXXX TN XXXX DATE : XX/XX/2018 AMOUNT IN QUESTION : {$1600.00} WRITTEN A CERTIFIED LETTER AND SENT TO COMPANY TO CORRECT THE MATTER IMMEDIATELY. COMPANY DID NOT PROVIDE SUPPORTING DOCUMENTS, AND IS IN VIOLATION OF ANTITRUST LAWS. 

COMPANY REPORTED AN INACCURATE COLLECTION ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believeXX/XX/XXXX XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2020-10-07
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2020, Jefferson Capital added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Jefferson Capital has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believeXX/XX/LVNV XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section XXXX states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believeXX/XX/XXXX XX/XX/XXXXr account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX VIOLATES NYS 380T LAW BY DENYIING NONCELL PHONE USERS ACCESS TO EQUIFAX WEBSITE/CALL CENTER. 
EQUIFAX HAS NO LEGAL GROUNDS TO DENY ACCESS BECAUSE I DONT HAVE CELL PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax continues to confuse my ssn and credit with that of my younger brother 's. I 've filed an official complaint and a request to correct the information with Equifax several years back, but they have yet to fix the error. 

The Equifax dispute was filed back in XXXX of XXXX, Dispute Case Number XXXX. They responded to the dispute by sending me a reply email addressed to my brother 's name, instead of my name, with non of the wrong information and case of mistaken identity addressed. Equifax still does n't realize they are identifying the WRONG person with my SSN. 

On XXXX XXXX, XXXX, I requested an Equifax credit report using my ssn, but the credit report issued to me was in my brother 's name. All of my brother 's delinquent credit card and student loan data appears on my credit. 

My ssn and my brother 's ssn is only different by one digit, and we have had similar addresses in the past because we both use our parents ' address as our permanent address while we were in college and/or living abroad. I 'm attaching the Equifax credit report that I 've obtained using my ssn, but it being under my brother 's name. Furthermore, Equifax 's dispute website is down, making it impossible to file a dispute via internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is servicing my loan. I have been behind on payments since XX/XX/2017. I spoke with them about options to bring my loan current as well as grant me and extension to be able to pay. Everytime I speak with a representative, they tell me something different. They told me I had till XX/XX/XXXX,  thus I asked them to send me this information in writting. They refused. They are lying to me each time I speak with them so they can foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My parents are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They did a refinance on home XX/XX/XXXX. There was almost $ XXXX in fees. The house is going through foreclosure now. I can't get assistance from anyone. Also They refinanced 3 or 4 times the loan is always placed with XXXX XXXX My father passed away XXXX of XXXX I sent the bank everything about 3 or 4 times. I thought the mortgage had life insurance on it They said no. The loan is now with specialized loan servicing account number XXXX I tried to report a problem with the closing and they said that there wasn't one. My mother just passed 3 months ago. I am the personal representative and executor of the estate. I need assistance from you. Please call XXXX XXXX XXXX. My address is XXXX XXXX XXXX  XXXX fl XXXX. Thank you 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 2022-06-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others accounts. 1 was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : 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 explanation
Consumer complaint received 2017-12-26
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CO
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. 

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent Transunion a letter ( see attachments ) on XX/XX/2022 informing them to update my personal information.

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 2020-02-12
Company: EQUIFAX, INC.
State: NJ
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:
My XXXX credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with Equifax to have the account closed since it has been well over seven years XXXX listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Army and Air Force Exchange Service
State: NJ
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:
My aafes credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with XXXX to have the account closed since it has been well over seven years aafes listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXXXXXX 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 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 2022-06-18
Company: Experian Information Solutions Inc.
State: CO
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. 

XXXX XXXX XXXX Section XXXX A, States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : 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 explanation
Consumer complaint received 2020-02-12
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am currently in the process of refinancing my mortgage with XXXX  XXXX XXXX. I happen to have a second mortgage with Navy Federal and XXXX  XXXX XXXX sent Navy Federal a subordination request. After a very arduous process Navy finally received information requested. I got an alert that a hard inquiry had occurred on my credit report. I thought it was XXXX XXXX   XXXX as Im in the process of refinancing. Did some research and found out it was Navy Federal. Why Navy Federal will pull my credit without first consulting me and while I am in the process of refinancing. That inquiry could impact my loan. They referred me to the FCRA and that they have a right to pull my credit. I would have wanted to be given the option or told that to subordinate to XXXX  XXXX XXXX a hard inquiry needed to be obtained, I would have at that point decided to go forward or not. But to be blindsided like this and pulling my credit without permission or consent to me is problematic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation