BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund check!

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 2020-08-10
Company: TD BANK US HOLDING COMPANY
State: MO
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 a loan with XXXX, XXXX XXXX, and NORDSTM/TD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and NORDSTM/TD with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We put our house up for a short sale back in XXXX the company SPS requested our financial information. They got another appraisal this was the XXXX. SPS said they wanted {$300000.00}. 
on XXXX XXXX 2016 there as an offer for the total {$300000.00}. Since then SPS has requested our bank statements for every month and got a new appraisal every other month. the last year SPS has gotten at least 7 appraisals. The last Appraisal was for {$260000.00}. The people that put in the full price now after being put off for almost 5 months are giving up SPS has done nothing to get this sold .They say they are still looking it over and it will be at least another month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ResidentCollect, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attached a copy of the letter I mailed off to Innovative Recovery over a month ago. I also have proof that they did receive my letter because it was sent certified mail and required a signature upon delivery. I have not received any response from them about the investigation regarding the alleged debt. They have avoided my CFPB Complaint that was submitted XX/XX/2020 as well as my letter I sent late XX/XX/2020. I feel that they have had much time to respond to either of these mediums, yet they have failed to make any contact whatsoever. They are ignoring my inquiries and I am just trying to get to the bottom of this situation because the alleged debt that is reporting on my consumer report is negatively impacting me, especially during this pandemic. They have not proved the account belongs to me and they have had about 2 months now to reply to me with the results of their investigation, which personally, I believe that they have not even considered to look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 6 Accounts with GLA Collections XXXX XXXX XXXX XXXX, Kentucky XXXX on my Credit Bureau Reports. I have expressed to them two other occasions where they did indeed remove the accounts. But without success I am unable to communicate to them that these six accounts are also under the exact situation with insurance as the two that were removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I've disputed with Transunion, XXXX, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX finance is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

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 2022-01-27
Company: U.S. BANCORP
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:
The following ( XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( ELAN FINACIAL SERVICE  XXXX Date Opened XX/XX/2012 Balance {$0.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with 08 CAPITAL ONE BANK USA N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 08 CAPITAL ONE BANK USA N A with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2015-05-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Dear Sir or 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. 


Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a Comenity Bank customer for a few years and I hold a store card for XXXX women 's clothing store. Recently on XX/XX/XXXX, I received a letter from Comenity stating that they had decreased my credit limit by {$100.00}. The reason cited was that my credit score has gone down recently. Although I have not had any issues with Comenity Bank itself in my account ... I have been paying off my account steadily over the past year, so I don't understand why Comenity will run a credit check randomly and then decide because of my other credit accounts, which have absolutely nothing to do with my already established store account with Comenity, that my credit will be decreased. I am filing a complaint with the CFPB because I did not receive an advance notice that my credit limit will be decreased and I was not able to pay the amount down in time so that my current balance will be under the credit limit. 

As a result, I fear that Comenity Bank will use that minimal amount that is over the credit limit to then charge me over limit fees and then report my " over usage '' to the credit bureaus to cause a decline in my credit score. 

The same day that I received the notification letter is the same day that my store credit limit was decreased. I feel that this is a very shady business practice and I would hate for this to happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter in the mail XXXX XXXX. The letter stated that Allied interstate LLC is a debt collector and they're trying to collect a debt that I supposedly owe to XXXX XXXX XXXX. Im not sure of any debt from XXXX XXXX, I stopped using my XXXX XXXX  account in Early XXXX of 2022 due to me losing my job. I don't want anything to go on my credit that I didn't have anything to do with. The amount of the debt that XXXX XXXX  is trying to collect is XXXX. I would like to dispute the whole debt.

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 2016-03-14
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an item listed on my credit file which is unknown to me for {$6100.00} I have disputed and requested validation several times with nothing ever confirmed. Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: OH
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 checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information  under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: BB&T CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am trying to sell my house and last week, I was informed by the title attorney that there is a judgment lien on my property. I was not previously aware there was a lien. Upon further investigation, I discovered that this lien was a result of a default judgment that was obtained against me in  XXXX . I was never served with the lawsuit and thus never had a chance to respond. The original amount of the judgment was {$11000.00} but with judgment interest of over {$18000.00}, the current judgment amount is {$32000.00}. The background of this credit card debt is that my wife, at the time, opene d a Discover c redit card account while I was  XXXX  overseas. Although I did not authorize the account, upon my return and discovery of the amount due, I contacte d Discover 's  collection agent,   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) and in  XXXX , I agreed to a full and final settlement of {$11000.00} to be paid over monthly installments of {$590.00}. Of this amount, I have paid {$10000.00}. I stopped making payments when in  XXXX   XXXX , I was informed by my bank that my monthly payment of {$590.00} was returned. When I contacted  XXXX  to find out what happened, I was informed that my account had been sold to   XXXX     XXXX . I was never informed that this sale took place or that my account had moved. I tried to contact  XXXX   XXXX  to resolve this matter and resume my payments but they refused to honor the settlement agreement. In  XXXX , I was contacted by yet another debt collection company,  XXXX   XXXX   XXXX , demanding full payment of the original amount due. I tried to explain what happened but they would not listen to me or try to resolve this matter. I wanted to pay the amount of the settlement as agreed, but the account kept being resold and/or placed with another agency, and the successor agencies did not have any information about the previous agreement and would not honor it. I want this judgment lien removed because I was never served with the lawsuit and I in any event, I have paid a substantial part of the judgment amount. I am about to lose the sale of this property because of a fraudulently obtained default judgment and the inability of Discover Bank to track its sales of charged-off accounts and prevent further abuses by debt buyers and collection agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: IL
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX XXXX XXXX XXXX theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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