BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: OH
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 reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong

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 2021-06-16
Company: EQUIFAX, INC.
State: MD
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 disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, Equifax, and XXXX  have no regard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Late fee

Complaint:
I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.

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 monetary relief
Consumer complaint received 2016-01-19
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. 

XXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. 

b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 this inquiries that are not mine and i want it to be remove from my credit report.

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft BK OF AMER Date of inquiry :XX/XX/XXXX This is not mine.

XXXX  1. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer and I came to an agreement in XX/XX/XXXX to have my XXXX and XXXX payments deferred to the end of my loan. They failed to follow the set agreement. Then on XX/XX/XXXX Santander had my vehicle repossessed even though payment was not due until XX/XX/XXXX. The company that Santander hired to repossess the vehicle did not let me take possession of personal property that was in the vehicle as well. They refuse to provide me with documents or notice of intent to repossess my vehicle at address that was listed on file which starts the repossession process in Texas. Then they failed to provide me with a notice of intent to sell. No notice was sent to my place of residence on file nor did they call to inform me of intent to repossess/sell. Santander sold the vehicle without me having a chance to retrieve personal items or make arrangements to gain the vehicle back. Santander sold the vehicle and then left me with negative remarks and reporting to credit bureaus. There actions have did irreparable harm and damage. They still have refuse to provide info on intent to repossess and intent to sell from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX XXXX, Account # XXXX, amount {$830.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous 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 non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and Transunion. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.

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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally As per the fair credit reporting act section 609 They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I took a private student loan with XXXX XXXX ( Navient ) in the amount of {$10000.00} with my mother as a co-signer in 2008. I was attending XXXX University in XXXX, FL. My new balance is over {$19000.00}. They offered a settlement amount of {$15000.00}. I am currently applying for SS XXXX and my co-signer 's only income is social security. We have both declared bankruptcy in the last year and have asked them repeatedly to accept a smaller payment amount and they refused so I am sending them a small payment monthly. They are calling on a daily basis and stating that they will not accept the payment I am making so I told them to send it back and I would report them for not accepting it. I am sending what I can afford. I have repeatedly asked that they quit calling my cell phone and they said that I had to send a letter. Which I am sending and now they are saying that they only have to follow that if " approved ''. I have told them if they continue to call after I send the letter I will contact my attorney. What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Their investigation did not fix an error on your report

Complaint:
I have been writing to all three credit bureau 's to get a Bankruptcy off my credit report that the credit bureaus keep stating that it was verified. I have sent them multiple letters since XXXX asking them to validate the information that is being reported on my credit report. Actually, I have sent them a letter or two every month. TransUnion and XXXX  haven't responded to my letters to verify the bankruptcy. 

I also have sent the three credit bureau a letter from the bankruptcy court stating that the bankruptcy wasn't verified by the bankruptcy court. I wrote them back supplying them with the letter the bankruptcy court supplied to me that states that they do not report to any third parties or credit bureau 's. XXXX stated that the bankruptcy was verified. As of XXXX of XXXXit will make a year that I have requested the three credit bureau 's to remove the bankruptcy off of 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 explanation
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My husband and I both have student loans with Navient. They will not combine our loans into XXXX - but yet they are using our joint income to make us make large payments on single loans. I have been trying for over a year to get this either combined or our income separated, but they are refusing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Sent a package of documents about FHA Loan : 1. Original FHA-Insured BoA Loan # : XXXX ( XXXX ) 2. Address : XXXX, Maryland XXXX 3. This loan was a 15-year fixed issued on XX/XX/XXXX ( XX/XX/XXXX ) 4. BoA affected a FHA-HAMP modification and altered the term to 32-years 5. BoA has not explained how a 15-year fixed is now a 32-year fixed loan which has been sold to XXXX as of XXXX XX/XX/XXXX. 
Please require BoA to explain and fix the error so that we do not have to resort to litigation. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Sonnenschein Financial Services, 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:
XXXX XXXX  company. Called explaining that I no longer wanted the timeshare and to take it back or work with me on lowering maintenance fee. They were NOT willing to do that. Harassing me and threatening me with credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was having financial trouble and asked for help from FIA credit card services ... they put me in a program which I was paying on in a timely manner, for a very long time. The program included automatic payments from my checking. I noticed that a payment had not come out for a credit card payment and called FIA to fix. I was told everything was okay ... then I noticed that FIA charged-off my account ... despite my willingness to pay. I called and asked why they did the charge off if I was willing to pay ... and they told me that I was in a special program and that they could if they wanted ... so their answer was " they could if they wanted. '' While this was going on, I was receiving collection notices from Bank of America ... I did not have an open BofA account ... So I thought they were in error. I hired an attorney and the only information she was able to find out ... was that FIA was owned by Bank of America ... as a consumer ... I did not know this and they did not tell me. They ignored my attorney - would not talk to her. So, I have been punished for an account that BofA purchased, then promptly charged off as soon as they could. I have since settled the account ... but it is annoying that they just charged my account off for one late payment. It shows that it was somehow profitable for them to do so. I think collecting under another assumed name ... BofA collecting for FIA was not ethical ... they should have informed me. Also, when I worked for Banks ... charging off was for accounts that could not be collected. I have been working diligently on the repair of my credit since. Can something be done about this?

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 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I purchased some HVAC ( furnace / air-conditioner ) equipment from a business in Iowa. After the equipment arrived and was signed for I removed the boxes for it. Upon inspection I noticed the furnace was bent, and sent some pictures to a furnace technician. They said not to use it. 

After a long fight with Bank of America 's credit card division, they released payment for it, stating that I signed and received it. The XXXX attorneys I spoke to said my credit card should not release payment. I am trying to find an attorney to take the case.

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 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Bank of America up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Bank of America roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation