BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: BANK OF THE WEST
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Loan date approximately XXXX, boat loan Registration/Taxes check and paperwork submitted to XXXX Rector XXXX XXXX Co on XXXX. Which is a company selected by Bank of the West. 

After a month or so I called Bank of the West wondering where my registration paperwork was. I told give it more time. 

On XXXX, 100days after the loan was processed, I went to the tag office here locally and found out nothing had been done on the vessel in the state system. I called Bank of the West, I was told my case was elevated to a tier two level and i would get a call within 1 to 2 business days. 2 weeks later, no return call, so I had to call them back on XXXX. I was told then that they sent a message to the Documentation company on XXXX and no reply back yet. This is in direct contradiction to them telling me someone was going to contact me within 1 to 2 business days. 

I have {$130000.00} yard decoration that I can not legally tow on the roads in the state of Florida due to no tag being issued. I can not operate the boat on the waterways due to no boat registration being issues by the state in my name. 

I have repeatedly asked to speak to a manager when i call the XXXX number and the agent on the other end has just flat said no. This is unacceptable! 

The title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the vessel.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Was informed that opening a line of credit with XXXX XXXX would be a soft inquiry and not a hard inquiry. When I informed the manager, XXXX, he misinformed me and it was a had inquiry, he was rude. I told him that the card needs to be cancelled and he said your credit will eventually go back up. I have reached out to the company and they referred me to TransUnion.

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 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Long story short I made a purchase and did not get what I paid for. I submitted a complaint for reimbursement of funds through Bank of America. I asked to speak to someone in charge of the disputes department, and got ignored.I was asked to submit a claim for my dispute. I submit everything they asked for on X/XX/17, and I was denied my refund because Bank of America told me, " We understand that you were n't satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. '' It was not a matter of not being satisified. It was a matter of not getting what I paid for. What if you were charged for something for a service that you did not get in full? Would n't you want some kind of refund?
<P/>You would n't let yourself be scammed by a company so why should I be scammed? I put in another claim and was called by the manager, and once again I followed directions. I submitted my proofs. The manager even told me yes I want to help you, call me, etc. I submitted the claim again, called like I was instructed to, was ignored, and given a claim denial letter on XX/XX/17. <P/>XXXX XXXX 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 explanation
Consumer complaint received 2017-06-07
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was  XXXX . My loan was transferred t o FedLoanServicing.  I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  FedLoanServicing h as no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted  XXXX  initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no response or transfer of my payment. I am now being told that it will tak e 60-90 days for my payment to be transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( 3 ) credit reporting bureaus to get sufficient information resulting in XXXX deleting Resurgent/LVNV Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from XXXX or Equifax. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn credit h as an account there saying was opened  XXXX   XXXX     2017  in the amount of  XXXX  dollars.   I have never had an account with penn credit or the company there pertaining to. Please provide proof with my signature authorizing this account to be opened or please advise penn credit to remove this account from my  XXXX  reporting credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, 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:
my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with Equifax as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Resurgent Capital Services L.P.
State: IL
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:
This is a follow up to complaint XXXX and XXXX. My name is XXXX XXXX XXXX social ending in XXXX. Please note got a email from XXXX XXXX XXXX XXXX representing LNLV Funding stating this isnt my debt and that they arent suing me. please find the letter attached. My added complaint is that even after recognizing this is not my debt they are refusing to still refusing to withdraw the lawsuit they summons me for at my home at XXXX XXXX XXXX XXXX Illinois XXXX. I have told them there is no XXXX XXXX but myself that has ever lived here. I am very concerned that they are going to try to get a default judgement by refusing to cancel the lawsuit. Please note they had no DOB OR SSN or middle initial on the summons. This is a different person with the same first and last name as mine. please help asap the court date is XX/XX/22 docket number XXXX and XXXX. THIS IS THE SAME CASE BUT THEYRE LISTING TO MANY ZEROES. Please help ASAP. They illlegally served me for what belongs someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with XXXX and Equifax regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: First Direct Lending, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from First Direct Lending ( attached ) offering me a refinance with cash out. I called and spoke to   XXXX   XXXX  . I explained I wanted a cash out loan as I have credit card debt and am having a hard time paying them on time. My goal is to pay off all debt except the house payment as I plan on retiring in 3 years and my social security will meet the house payment. The house payment has never been late the home is not in default. I made it clear I do not presently live in the home and I was only interested in this loan if a cash out to pay existing debt were possible. I also advised that my credit was not so hot income to debt is high and I am falling behind in credit card payments.My bad credit should reflect only two things 1 ) do I qualify 2 ) at what interest rate. I also stated that to cash out, it was acceptable for the house payment to increase upward to {$1400.00} a month as social security payments to begin in three years would meet that amount. I was not called and advised or emailed and advised that I did not qualify. I received the loan documents ( attached ). 1 ) the stated value of property is {$180000.00}. They did not offer me the loan of {$160000.00} with cash out stated on the letter or a loan near the value mark with cash out, they only offered a loan of {$150000.00}. 2 ) Closing costs for this loan far exceed the typical 2 to 5 % charged. The closing costs are added to the loan. 3 ) My pay off on the current mortgage is {$130000.00} and this new loan amount funds only the extremely high closing costs 4 ) this loan increases my house payment yet it does not better me, it in fact only betters the loan company since they intend to transfer the mortgage as stated in the loan documents. 5 ) the interest rate is the same as I am paying now. All I get out of this is not paying one house payment ( {$1100.00} ) for which my new payment will be {$77.00} more per month for 30 years. {$23000.00} excluding interest over the life of the loan to skip an {$1100.00} payment. 6 ) I made it very clear I do not reside at this residence yet the box marked " primary residence '' is checked for my signature. 7 ) this loan increases my income to debt ratio when the entire point was to cash out and pay down debt. I think that the documents attached speak for themselves. Predatory lending, loan sharking ( {$23000.00} to skip an {$1100.00} payment ) and elder financial abuse. I emailed   XXXX   XXXX    with my concerns, he has not responded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-12
Company: Experian Information Solutions Inc.
State: MI
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:
Ally Financial Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XXXX XXXX, 2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''

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 2017-06-19
Company: Experian Information Solutions Inc.
State: MI
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 contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its  employees, Asset  Manager   XXXX   XXXX  and Asset Manager  XXXX   XXXX  knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how  Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and   its employees have  operated in this racketeering business enterprise for profit orchestrated through the Master Servicer   XXXX   XXXX   XXXX .  Bayview Loan Servicing and  its emplo yees, Manager   XXXX   XXXX  and  XXXX   XXXX  have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf  XXXX   XXXX   XXXX  designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC  failed to provide permanent modification documents that were not damaged and delivered late from  XXXX   XXXX  to  XXXX   XXXX . Finally, after making trial modification payments f or nine mon ths, Between  XXXX   XXXX  to  XXXX   XXXX  and the month of  XXXX  we paid at least {$1900.00}. From  XXXX   XXXX  to  XXXX   XXXX  we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of  XXXX  and  XXXX   XXXX  . Bayview Loan Servicing then  started foreclosure on our home. We did start making payments again in the month of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see on my credit report that Jefferson capitol systems is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to Jefferson Capitol systems. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquires appeared on my credit report from the unauthorized use of my social security card. I did not initiate this.

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