BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I  was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXXk. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.

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 2017-06-21
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX / XXXX /  XXXX   I recieved a past due bill of {$150.00} from  XXXX   XXXX   XXXX  that is due by  XXXX / XXXX /  XXXX  . I was advised the account was closed and My name was no longer associated with the account. Today on  XXXX / XXXX /  XXXX   I also recieved a letter dated  XXXX / XXXX /  XXXX   from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of  XXXX   XXXX   XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact  XXXX   XXXX   XXXX  to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance.  XXXX   XXXX   XXXX  also stated I would need to contact the collection agency to resolve the matter.

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 2019-12-02
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is improperly reporting an account in collection as follows : Creditor : XXXX  XXXX  XXXX  Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/2019. 

I have contacted Experian and filed a dispute 2 or 3 times to date with no success. I have contacted " XXXX XXXX XXXX '' as well to make them aware of their error only to be berated and yelled at. 

The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.

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 2021-09-24
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I filed a complaint against Complete Credit Solutions for placing a fraudulently-opened PayDay loan debt on my credit report. Those types of loans are not even legal in the state of North Carolina. Despite the complaint, this collection agency continues to report this travesty on my credit report. I did receive a response from the CFPB, that Complete Credit Solutions responded to our complaint, but I sure never got a copy of it. The CFPB informed me that on XX/XX/XXXX, that Complete Credit Solutions mailed me a copy of the response to the complaint, but the response was not available online. I know the US postal service is slow. But I can't imagine that it takes 2 weeks to deliver a letter from their office to my home. I've been checking my mailbox religiously every day, and nothing has arrived from Complete Credit Solutions. So not only are they collection agency that doesn't follow federally mandated protocols, they have now also proven themselves to be liars. I even called them at the number that you provided, and the representative I spoke didn't even know what I was talking about, when I asked for a copy of the response to my CFPB complaint. Its now been a month since I filed the complaint, and I don't think that its too much to ask to find out what's going here. After all, I am the party that was harmed, and this situation just seemed like it was blown off with nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. Transunion Creditor Name/date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor Name/Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Creditor/date of inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2017-06-21
Company: EQUIFAX, INC.
State: IL
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:
This is a formal consumer to business  ( s  ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX    XXXX   with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from   XXXX  , Equifax, and  XXXX  with no success. They have refused to update information. Accounts to be removed :  XXXX  # :  XXXX ,  XXXX   XXXX   XXXX  # :  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  # :  XXXX . Please remove all non-account holding inquires, all addresses except my current address of  XXXX   XXXX   XXXX   XXXX , IL  XXXX . These aliases reported are not my names and need to be removed :  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2017-06-20
Company: Experian Information Solutions Inc.
State: GA
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 previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

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 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America sent me a modification I refused to except. Bank of America, continually trying to get me to accept a modification with the terms and conditions of adding on 40 more years onto a mortgage loan that I only have 17.8 more years to go before the mortgage is paid off. Instead of lowering my mortgage interest rate. Bank of America, sent me a modification that would have increased my mortgage interest rate with a balloon payment at the end of the terms for the amount of {$20000.00}. at the end of the modification in XX/XX/XXXX. Bank of America, is not applying or accepting my mortgage payments I am making. Continually harassing me about a modification, I refuse to accept, that they are trying to make to sign. The modification would have added on more debt onto a town home that is already severely under water. The entire modification, also stated that the existing debt I have on my mortgage would still be by obligation and was included into the modification. Costing the consumer the borrower an amount of over {$190000.00} on a town-home that is not worth {$10000.00}. After I denied the modification, I continue to get telephone calls from Bank of America Regulatory Department. I have repeated to all employees that I will not sign any type or form of a modification under the terms and conditions Bank of America wants be to sign ( according to the investor ( XXXX XXXX ). Furthermore, Bank of America is continuing to hold my monthly mortgage payments, by not applying them correctly, I was denied paying my mortgage payment at the Bank of America Branch, located in XXXX, Illinois. I had to make a telephone call to Bank of America on XXXX XXXX, XXXX to make my XXXX XXXX mortgage payment. On XXXX XXXX, XXXX, I called to see if my mortgage payment was applied correct. Unfortunately, it was not. It was stated to me only the case manager who is handling the account can apply my XXXX XXXX mortgage payment. After being sent a letter by Bank of America Modification Department dated XXXX XXXX or XXXX XXXX, XXXX, the modification was denied stated by Bank of America, Home Loans. I would like to have all of my monthly mortgage payments applied correct and dated as the correct date when I officially made the mortgage payment, so that I will not have late fees or any other type of fees applied to my mortgage loan. In closing, Bank of America, has reviewed my credit report consistently from XXXX XXXX - XXXX or XXXX. My credit report has over 7-10 inquiries from Bank of America, as if I applied for a mortgage loan when I have not. This is not in compliance with FCRA and needs to be thoroughly investigated. Please follow-up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Fay Servicing, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in response to another letter that I just received XX/XX/2021 from XXXX XXXX  XXXX regarding a foreclosure on my mortgage with Fay Servicing with an auction set to sell my home on XX/XX/2021. 
Back on XX/XX/2021, I had to file a complaint with CFPB against my mortgage servicer for not communicating with me regarding forbearance requests, and for doing a Loss Mitigation ( BAF ) application to help me exit forbearance and keep my home. My servicer replied to my complaint on XX/XX/2021 by saying they would allow me to complete my BAF application to assist me.

I submitted a complete BAF application on XX/XX/2021 and I requested that Fay Servicing let me know if anything was missing with my application ( please see uploaded doc ). Fay Servicing said they were backed up with processing BAF applications and that I should be patient for a review of options and or a decision. 
Because of submitting my BAF application, I was under the impression that a foreclosure auction would be suspended until after a review of options to keep my home was given by Fay Servicing. Instead, I received zero response from Fay Servicing regarding my BAF application and was foreclosed on without any notification on XX/XX/2021. 
Now that there is a date for the sale of my home by public auction on XX/XX/2021, Fay Servicing will not help me keep my home by saying they don't have enough time to review my BAF application before my home is auctioned off...?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX, And XXXX all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs

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 2017-06-23
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to LoanCare In XX/XX/XXXX. A XXXX company XXXX XXXX XXXX XXXX XXXX, VA, XXXX. I received a statement from them stating that my escrow account was increasing {$40.00} monthly due to my property taxes effectiveXX/XX/XXXX. - I sent several emails to them and provided them a copy Notice of Value for XXXX. XXXX County has assessed my taxable value for this year at XXXX. I did n't dispute this assessment. LoanCare is using a taxable value of XXXX ( purchase price ) which is more than last year ( XX/XX/XXXX) which was XXXX. XXXX XXXX XXXX who sold the loan told me that my taxes would be {$800.00} quarterly - LoanCare has quarterly taxes at {$940.00}. I called the County Assessor and spoke with Appraisal department and went over the math with them and informed LoanCare on all of this and requested a Advocate that their website claims to offer for assistance. They responded stating that my documentation was not sufficient and no action will be taken and the ticket numbers ( s ) are closed. They are requesting the tax bill but they are aware that they do not send them out until XX/XX/XXXX. I should not have to pay the initial escrow - for them to hold my funds and as the previous year ; just to send me a check for over {$600.00} because I have an overage in my account. <P/>Your assistance and cooperation is greatly appreciated.

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 2017-06-20
Company: Summit Financial Corp.
State: GA
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 previously had an auto loan through  Summit  financial opened in  XXXX . In  XX/XX/XXXX of  XXXX  I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was  XXXX   XXXX  Signature of  XXXX , GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since  XXXX . The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation