BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America sold my credit card debt to an attorney. The attorney filed a complaint in my state to recover the debt. The debt recovery was a settlement. Now Bank of America is providing a 1099-C form to me telling them I owe a debt that they sold off.

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 2020-01-13
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay biweekly. The last auto draft they took out was on XX/XX/XXXX. 

We confirmed with our bank ( XXXX ) that the mortgage company never tried to draft after that. 

Called mortgage on XX/XX/XXXX to ask them why this happened. They couldn't answer us and opened a trouble ticket to call us back by XX/XX/XXXX. We paid the outstanding balance online manually. 

XX/XX/XXXX -they did NOT call us back XX/XX/XXXX we called mortgage and spoke with XXXX XXXX He made us pay {$110.00} ( not sure why ) and said this would make us whole again for our biweekly. He said he set it up to pay XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX we called mortgage and asked why payment for XX/XX/XXXX didn't post and they said " it can take awhile '' XX/XX/XXXX called mortgage company and they said they still don't know why the payment won't post and their " HCA dept '' will have to call us because they don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 non-monetary relief
Consumer complaint received 2016-11-18
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
When I was XXXX I got my first part time job and put all of my money into a savings account in my name. It went untouched for several years and when i was about XXXX or XXXX I went to retrieve my money, excited to see how much interest had accumulated, only to be told my account was closed due to inactivity, and the money was no longer there. I asked the teller where my money went and she claimed that there was no record of money being in my account although I showed her my bank book with the date of deposit and the balance. Being young and naive I let the situation go thinking there was no way to solve this problem. Since then the bank has closed. I have checked at www.unclaimed.gov and www.missingmoney.com with no luck. There has to be some kind of record left stating where my money went, or if someone took the money.

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 2016-01-21
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased my first house ( late XXXX XXXX ), and within the first 2 weeks my mortgage was transferred from Freedom Mortgage to XXXX and I received a welcome letter from XXXX. Then within the next week or so I received a bill from Freedom Mortgage and did not receive anything from XXXX. 

So I paid Freedom Mortgage on XXXX XXXX, with the understanding that they would transfer the money to XXXX accordingly. 

Around XXXX XXXX I receive a call from XXXX XXXX XXXX saying that I have not paid my mortgage. This has led to numerous calls to both banks ( at times XXXX way calls between myself Freedom Mortgage and XXXX XXXX XXXX ). 

As of today XXXX claims they took over my mortgage and I have not paid them for the XXXX bill and owe them the money for XXXX and will have to pay them XXXX XXXX and Freedom Mortgage is claiming that XXXX XXXX XXXX did not take over my mortgage and will not release my payment for XXXX and I have to pay them on XXXX XXXX. 

I originally got a date of XXXX XXXX from Freedom Mortgage saying this would be resolved, and when I did n't receive a phone call from them on that date I called them to find out that they have moved the completion date of my request to XXXX XXXX. Which I explained would force the situation that, come XXXX XXXX I will have XXXX banks telling me that they own my loan and I owe each of them the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$3400.00}

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had reported to them that my identity was stolen and needed them to look into it. Also I never got to use none of these accounts at all and its making it hard for me to get a bank account and I just wan na be able to get a bank account and be okay

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 2021-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know how they say am owning that such amount I never go the any hospital without my insurance card or without my insurance taking care of the situations, now they saying I own almost $ XXXX and they reported me to credit collection or sold it to credit collection to downgrade my credit scores.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is unable to verify my identity and I believe they have me down in their system as a minor. I am unable to do anything on their website or telephone system because they either don't ' have a human being I can talk to or their website will not recognize me.

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 2020-01-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.

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 2022-08-15
Company: EQUIFAX, INC.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} COLLECTION SVC XXXX {XXXX} XXXX  XXXX {$XXXX} COLLECTIONS XXXX {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: F.H. Cann & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continue list XXXX different collection accounts from XXXX XXXX XXXX on my credit report which are not mine.There is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/2020 I have been disputing with Equifax regarding an inaccurate collection account from a company called XXXX XXXX in the amount of {$3100.00}. 

I never heard or done any business dealing with this collection agency. And have never done any business dealing on XX/XX/2020 in which this collection agency is reporting when the account was open. I was also not given the right from this collection company before they reported this inaccurate collection account to validate this debt in which is a violation of under the Fair Debt Collection Practices Act ( FDCPA ). 

I have requested from both Equifax & XXXX XXXX on numerous disputes ( most recent on XX/XX/XXXX ) for proof of legal documentation with my signature that I have done business with them and owe this reported debt directly to them. All of my requests with Equifax & XXXX XXXX have come back with me receiving no response and/or proof of documentation with my signature that I owe this debt, but are reporting on my credit report that my latest dispute was resolved by data furnisher which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RESPA violation May be for last 10/15rs or so Wells Fargo Bank has refused to provide entire escrow -account bills. I was never consulted about any payments and I have been billed for something thats I have no idea. Multiple complaints has been filed with this office and I still do not have anything about escrow account. Wells Fargo Bank should have authenticated each and every bill received. Each and every payment made. But no it was never done. They refused to provide on many instance I requested. They have refused to provide by form of discovery. They refused to provide even after I issued subpoena. They are cheating me by refusing to provide me entire records.

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 2020-01-13
Company: EQUIFAX, INC.
State: OH
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:
Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX/XXXX XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
ACCOUNTS ON MY CREDIT REPORT ARE UNVERIFIED AND UNAUTHORIZED.

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 2016-11-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).

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