BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: VA
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:
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.

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 2019-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is calling me from the number XXXX with pre recorded message multiple times per day and multiple days per week, basically daily. They are saying I have a late payment on my lease, which I do not. I have called them multiple times to clear this up. Examples of multiple calls are XX/XX/19 at XXXX and XXXX EST. XX/XX/19 at XXXX. XX/XX/19 at XXXX and XXXX. XX/XX/19 at XXXX and XXXX. They called many times per day and times per week over the last several months and I have repeatedly asked them to stop. This is a new number calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a 2nd mortgage with a {$31000.00} balloon payment that was due last XXXX. I was unable to secure financing because my XXXX mortgage was in forbearance. My lender SLS didnt offer me any options to additional financing or paying till I find financing. I continued to make the payments until XXXX when SLS refused to accept payments and terminated my automatic payment withdrawal from my checking account. A month later I started getting collection notices and calls, also someone there referred me to a HUD program that Ive had trouble fitting my situation into. Concurrently I was able to end the forbearance with the XXXX mortgage in XXXX with a new agreement with XXXX XXXX. While I was clearing forbearance from my credit report SLS started reporting the delinquent payments. 

Now here I am my credit score has dropped XXXX points and no one will lend me the money I need nor will they refinance my mortgage. Ive tried to use the Hud assistance I was referred to by the lender. I get collection and foreclosure notices on one call then I call and get referred to an agency and more forms. Im bombarded with calls with lenders who cant loan me money. I have the means to pay my mortgage like Ive done for the last XXXX  years. SLS has destroyed my credit can they now somehow take my property? Im caught in the middle with nowhere to go. If they would clear the late payments from my credit report I can get a new loan ( since Im no longer in forbearance ) or they could accept my payments and it would be paid off in time. Why are they doing this to me? Can anybody help?

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 2017-09-05
Company: Diversified Consultants, Inc.
State: NC
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 am writing in hopes that you can help me to stop XXXX XXXX from a collection action where I have tried for months to get them to send me a statement that is broken down explaining all the charges and not just a final bill. I have called repeatedly and ask for this so I can get the early termination fees taken care of by XXXX as per our agreement for switching to them. They have turned my account over to a collection agency and after they called me two days in a row after me telling them not to I get a collection bill from them today. I have tried over and over to get this resolved and I have asked them to please break it down so that the bill can get paid and every time they send me a bill is only stated final bill and has all charges stated as one. I have taken this bill to XXXX where the local office accepted what I took to them but when it went in to the decision makers they would not accept it because it did not break it down to show early termination charges and any charges for service. As you know you have to pay for service to them a month in advance and I paid for the last month that I was with them and yet they say I still owe them money plus early termination fees. The early termination fees will be paid by XXXX if they will send a breakdown on the bill and not just a final bill. I do n't know what else to do to get this worked out and keep it off my credit report. I have done everything I can and they refuse to send the bill broke down as has been requested numerous times in the past few months. I hope you can get this resolved for me and help me to keep this from showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Had Identity Thief in XX/XX/XXXX And XX/XX/XXXX By Criminals Movers Stealing All My Identity. And Opened Accounts Thats Never Got Letters From XXXX XXXX Saying. I Have All Your Informations You dont Paid Your Bills??. All The Names In The Feds. Supposed To Go To Court. Today XX/XX/XXXX XXXX But Woke Up Late. And The Clerk Was Going To Give Me A Warrant. Told Him I Almost Had A Crime In My House And The Court Did Nothing For Me??. Never Received A Letter Until My SSN Is Compromised. And XXXX XXXX And Her Criminals Friends Stolen All My Identity. Send Them A Letter Next court Date Is XX/XX/XXXX at XXXX : am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: CA
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 two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

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 2017-09-05
Company: JPMORGAN CHASE & CO.
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:
XXXX credit report shows two inquiries on my file from Chase XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both Chase and XXXX regarding the XX/XX/XXXXinquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XX/XX/XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: NC
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Validate this inaccurate report 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX XXXX, XXXX. 
Account XXXX : XXXX Validate this inaccurate report. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint is in addition to complaint number XXXX-XXXX : U.S. Bank recieved checks from merchants and clerly marked or wrote closed account on the checks and sent them back to the merchant, when in fact the account was not closed, becuase of there wrong and negligent bussiness practices, i have been charged with a criminal case because the merchants did not attempt to submit the checks for payment a second time due to U.S bank writing Closed Account. Then when i wrote the first complaint the Representative from us bank did not read my complaint and made it seem like i asked for my account to be closed when in fact i never asked for it to be closed, she just tried twisting they're words she clearly did not read the complaint. I will Submit All evidence i have for the above complaint. The other complaint is that all my account history does show any checks even being ran through my account and i called customer services and they said there wasn't no recorded but if you clearly read the evidence paper marked with a big x you will see checks order fees. Also There was a savings plan i was in where i never got visa gift cards in the amount of {$10.00}. I have more evidence i will send it because i have to obtain it but here is one check clerly marked account closed before the close of the account by us bank on XX/XX/XXXX the check is marked by us bank XX/XX/XXXX, lastly  XXXX XXXX says i received letter by the XXXX branch manger i did not ever receive no letter and the letters she inserted in the response to the complainant mentioned are not signed or dated i believe us bank made them after the fact because they are not signed or signed dated

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 2017-09-06
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021 I was send the letter to Trans Union to dispute all mine credit report. 
Now am still not response from trans union at all. 
I am call in trans union ask the customer service to explain to me, they will delete everything from mine credit but now still not delete. 
Trans union have not following by 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
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, 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 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 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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of e-Oscar ( their web based automated verification process ) Their exact e-Oscar definition ( per XXXX XXXX XXXX ) is that " e-Oscar is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX  in which I disputed with them on XX/XX/XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

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 2017-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
they pulled back the loan and shut down my account without any reason or explanation. after i already purchased vehicle put money down and traded out my old vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 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 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 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, 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 2017-09-06
Company: AR Resources, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation