BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
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:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.

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: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am currently applying for an apartment and I was denied because of " a past due rental balance. '' When I requested the report, I see a " Collection Alert '' from Consumer Collection Management for a balance of XXXX dollars. The date placed is XX/XX/XXXX. I filed Chapter XXXX bankruptcy in XXXX and this debt was discharged. I am not seeing this debt on my credit report, but it is showing up my XXXX XXXX XXXX. 

I contacted the company and after I gave them my information, the associate became very rude and said that she can not talk to me. She told me to talk to my lawyer. I tried to ask her why this was on my rental bureau when it was discharged with my bankruptcy, she told me she can not talk to me and hung up the phone. 

Their phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Medical Business Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this bill was to go through my health insurance. I contacted the company MANY times with NO response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Account information incorrect

Complaint:
XXXX XXXX  has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

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 2020-01-20
Company: CL Holdings LLC
State: NJ
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:
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 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 2021-06-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank sent a letter in XX/XX/2020 stating that my account was closing do to a fraudulent activity, stating that a check would be issued for the balance. 30 to 60 days. I have called every week since then, and no one can give me an answer to where my money is. I got my last statement on XXXX In that statement it said that this is my last statement the account is closed. It is now XXXX and still no answers or money. I have no where else to turn

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 2016-01-14
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: AZ
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 tried to dispute as a collections is its not mine and I disputed it with the credit Bureau and the collections was not removed.

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 2016-01-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am submitting a Qualified Written Request because Cit Bank shows as servicer on XXXX eRegistry and they have not been named or mentioned in a current lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. 

Is this illegal? 
I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Bepensa Capital, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are attempting short sale for loan # XXXX. Ocwen has been uncooperative. I have been advised that the account is currently with XXXX XXXX and was provided a phone number of XXXX, ext. XXXX. This is not a working extension. I have attempted to use the dial by name directory and there is no one with the name XXXX XXXX in the directory. I contact Ocwen customer service ( XXXX ), twice I spoke with Representative ID # XXXX ( XXXX? ), the first time he transferred me to the short sale department, I hit " XXXX '' to speak with the operator and the call immediately disconnected. The second time ( both occurrences on XXXX/XXXX/16 ) I was placed on hold for 15 minutes, then transferred to a line that rang for 10 minutes, then disconnected. We will be contacting an attorney to assist further as this level of non-communication is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: UT
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 inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I paid my Bank of America Credit Card my house payment which gave me a credit balance. I received a late payment letter from Bank of America Mortgage. Then I realized what I had done I called Bank of America Credit Card and they said they would forward the money to the mortgage group. I called the mortgage group to let them know what I done and they said they would put a note on my account. I then get a foreclosure notice for being one month behind because the money had not been forwarded to the mortgage department. I call the mortgage department and advise them again what had happened and again they state a note would be put in my file. I then call Bank of America Credit Card and they tell me it had been forwarded to the mortgage group. I then call the mortgage group and they tell me they did not receive it however they would check into it and get back with me. Then I receive a letter from XXXX XXXX a debt collection agency and they are taking over my loan. Then I get notification that my credit has been adversely affected by a 30 day late report from Bank of America. So called Bank of America about this and they say well it was late and they are not going to do anything about it.

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 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I spoke to a rep at Bank of America in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE

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 2016-11-10
Company: GreenSky, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to get Treasury Direct Form 5444 filled out verifying my identity. The banker claimed he could help me. I had an appointment and wasted my time and money going over there to say he couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have almost completed my XXXX in XXXX in XXXX to find out that 1. ) I do not need a degree To work in the XXXX only a XXXX and XXXX, a certification. Which neither is included into anything that came from my student loans. 
and 2. ) That now that I basically will be having a degree that means nothing and student loans that I can not afford, my credits will not even transfer to a different college to get another degree. I had to stop working and everything to focus on school and actually ended up stop working just to rack up a huge bill for nothing. I have XXXX kids and this has taken not just from me but also them and their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for Transunion, XXXX, and XXXX  in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that 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 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
i became XXXX in 2008, i got {$120000.00} in federal student loans discharged due to this XXXX. My only income is Social Security XXXX {$1300.00} a month and am below the poverty level and can not afford any payments on private student loans. I made multiple attempts at small monthly payment but have since been unable. An original {$6000.00} dollar loan has grown into over {$32000.00} with fees and interest. My mother was cosigner and she to has retired and recieves only Social Security, both of our credit reports have been ruined and I am looking for loan forgiveness and restitution of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN 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 2021-06-17
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from Mandarich Law Group LLP claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. 

The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. 

Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with Bank of America.

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