BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the 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 non-monetary relief
Consumer complaint received 2016-02-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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 Accounts # XXXX, # XXXX # XXXX, # XXXX # XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Accounts # XXXX XXXX have 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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ORG GC GP Buyer, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I lost my debt card issued by Regions Bank. I noticed the card missing on XXXX/XXXX/2016 and reported it lost via telephone. At around XXXX the banker over the phone shut down the debt card and took my current address and stated that a new card was going to be shipped to my new address. I also disputed some fraudulent charges that were made on the account. I also requested to be taken of the overdraft program and not to honor any charges if there 's no funds in the account. This was requested in order to prevent overdraft fee ( {$36.00} each ). On XXXX/XXXX/2016 I called regions bank and request a status on the new card and report that there is automatic payments that are hitting my account and causing the account to get overdraft charges. I explained to them that I was waiting for them to send the new card along with the results of the dispute. I then get XXXX different version of what happened to the card. The first was that the card was going to be mailed to my new address. The second is that they cant send me a card because I have to go into a branch and show them ID and proof of address, and the last that the card was issued to the old address and that it was canceled. I asked about all the overdraft charges and they said that they cant do anything about it, that my dispute was denied, that I have allowed other people use my card. So I am stuck with the theft and the over draft charges. I even ask them to stop payment on all accounts as I originally have requested but they said that they cant do that either. Every time I requested to speak to a supervisor something would happen to the line or it would ring for about 20 mins and then hang up. The last conversation was that a compliant was file with Regions, that the fees will remain, and that I have to go in to a branch. After almost two hours of my time, I got no where and now I have to take time from work and go in person and see if this can be resolved. I am very upset with Regions Bank, they lied to me, made me wait for a card for 15 days when in fact it was never shipped to the correct address and due to this error there is {$260.00} in overdraft fees. I really do n't think this is fair.

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 2015-08-12
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was placed on a repayment plan after falling behind on our mortgage. XX/XX/XXXX payment was late and Chase refused the payment ( made by XXXX XXXX ) and cancelled the repayment plan. People are sometimes late. As long as a payment is made within the month, they should be required to accept the payment and continue the plan. Now they are requiring us to go through the whole process again, whereby FORCING us to become further behind, incur more late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
I have reached out on several occasions to Experian because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or XXXX. I have followed the prompt and reached out to both XXXX and XXXX to fix the supposed issue of them having information that doesn't match that of Experian. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the XXXX score or report XXXX  XXXX of 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 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.

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 2022-04-18
Company: Exeter Finance Corp.
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Company reposed vehicle would not allow any financial loan repayment plan. Did not disclose where the vehicle was taken at time of repossessed never allowed to regain belongings and was only able to locate vehicle when notified it was be up up for auction in Connecticut residential registration address is Vermont creditor has misreported this collection amount as a charge of for full amount of total loan then opened another 3 party debt collection agency to report same debt in the collection amount for the debt amount owed which is never confirmed or verified via noticed of vechicle sold at auction and amount received for payment of vehicle when sold at auction

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX is still reporting a charge off to ChexSystems from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by XXXX XXXX XXXX. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including ChexSystems. Neither XXXX XXXX XXXX nor the collection company has upheld their commitment to not report negative information and/or remove negative 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 explanation
Consumer complaint received 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America has been notified that I will be late on this months mortgage payment. They cal XXXX six times in a day, never leave a message. When I answered today I was informed that my account will be notated but the collection calls will continue until payment is received.

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 2016-03-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My original principal loan is {$6300.00}. The last statement I received showed that I have made over {$3200.00} in payments, which it show {$1000.00} payed towards interest and {$1100.00} towards the principal. In the same statement they show my current principal is {$5600.00}. I called Navient to try to understand and they said that my principal went up. This math does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
"

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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 XXXX  ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and I am very disappointed.

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 2022-04-18
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXX/XX/XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, BullCity acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my XXXX Credit Report as a balance owed ( Please refer to the attached XXXX Screen shot of my credit report. Bull City has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and XXXX disputing the inaccurate paid debt, which neither has taken action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE NOT RECEIVED UPDATE ON THE INVESTIGATION, ALSO THEY HAVE BROKEN THE LAWS WITH REPORTING. XXXX AND TRANSUNION have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law.

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